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The United Insurance Company of Pakistan Limited (PSX:UNIC)
Pakistan flag Pakistan · Delayed Price · Currency is PKR
12.44
-0.09 (-0.72%)
At close: Jul 30, 2026

PSX:UNIC Financials Overview

Millions PKR. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
5,3445,2455,7333,8643,5582,834
Revenue Growth
-7.22%-8.50%48.37%8.59%25.56%42.14%
Operating Income
2,2692,2962,7231,3071,2891,094
Net Income
1,5371,5062,0271,005921.72511.71
Earnings Per Share
3.693.624.872.092.171.20
EPS Growth
-31.47%-25.69%132.89%-3.60%80.12%23.44%

Revenue by Segment
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Fire and Property Damage
483.68544.54656.26637.39729.14401.43
Marine Aviation and Transport
200.68304.73384.3256.44267.13162.81
Motor
559.16606.97189.6488.7472.81400.79
Crop
603.03584.17908.34297.33575.89534.97
Miscellaneous
3,6713,3782,9971,9331,3411,217
Unallocated Net Investment Income
-241.27-250.64474.12134.8110.9963.6
Unallocated Rental Income
2.842.772.522.292.082.45
Unallocated Other Income
107.4111.61135.5165.6659.3432.33
Total
5,3875,2835,7473,9153,5582,815

Cash & Debt
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
793.87827.41812.96588.92894.35764.87
Total Debt
147.94163.33183.8448.8382.8393.16
Net Cash (Debt)
645.93664.09629.12540.1811.51671.72
Net Cash Growth
409.81%5.56%16.48%-33.45%20.81%83.62%
Net Cash Per Share
1.551.601.511.121.911.58

Cash Flow & CapEx
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
586.02266.621,736473.84997.2831.54
Capital Expenditures
52.24-69.27-459.21-283.5-233.84-115.86
Free Cash Flow
638.26197.351,277190.34763.36715.69
Free Cash Flow Growth
-16.48%-84.54%570.79%-75.06%6.66%38.14%

Margins
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Margin
42.46%43.76%47.51%33.82%36.23%38.61%
Pretax Margin
42.65%44.01%48.71%35.46%33.70%26.81%
Profit Margin
28.75%28.72%35.36%26.02%25.90%18.06%
FCF Margin
11.94%3.76%22.27%4.93%21.45%25.25%

Dividends
Chart
Fiscal YearFY 2024FY 2023FY 2022FY 2021
Period EndingDec '24 Dec '23 Dec '22 Dec '21
Dividend Per Share
2.0002.4313.1250.694
Dividend Per Share Growth
-17.72%-22.22%350.03%66.64%
Dividend Yield
17.89%39.19%103.76%33.75%

Valuation
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJul '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
3.374.142.753.232.434.61
P/FCF Ratio
9.7331.614.3717.052.943.30
PS Ratio
1.161.190.970.840.630.83