The United Insurance Company of Pakistan Limited (PSX:UNIC)
Pakistan · Delayed Price · Currency is PKR 10.99
-0.15 (-1.35%)
At close: Nov 2, 2026
PSX:UNIC Income Statement
Financials in millions PKR. Fiscal year is January - December.
Millions PKR. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Premiums & Annuity Revenue | 5,658 | 5,419 | 5,152 | 3,613 | 3,386 | 2,717 |
Total Interest & Dividend Income | 532.44 | 140.72 | 158.43 | 162.3 | 112.73 | 70.46 |
Gain (Loss) on Sale of Investments | -352.92 | -352.92 | 360.1 | 0.8 | 0.34 | 20.23 |
Other Revenue | 70.87 | 38.71 | 61.79 | 87.98 | 59.34 | 26.2 |
| 5,908 | 5,245 | 5,733 | 3,864 | 3,558 | 2,834 | |
Revenue Growth | 5.87% | -8.50% | 48.37% | 8.59% | 25.56% | 42.14% |
Policy Benefits | 1,308 | 1,190 | 1,348 | 968.38 | 755.7 | 533.54 |
Policy Acquisition & Underwriting Costs | 954.54 | 1,062 | 1,147 | 994.47 | 776.3 | 661.37 |
Selling, General & Administrative | 2,476 | 2,261 | 2,168 | 1,914 | 1,256 | 1,283 |
Other Operating Expenses | -858.14 | -859.3 | -863.67 | -690.46 | -3.31 | -382.84 |
Reinsurance Income or Expense | 704.54 | 704.54 | 789.43 | 628.94 | 515.77 | 355.25 |
Total Operating Expenses | 3,176 | 2,950 | 3,009 | 2,557 | 2,269 | 1,740 |
Operating Income | 2,732 | 2,296 | 2,723 | 1,307 | 1,289 | 1,094 |
Interest Expense | -14.87 | -19.23 | -11.39 | -8.85 | -11.02 | -5.61 |
Earnings From Equity Investments | - | - | - | - | - | -304.53 |
Currency Exchange Gain (Loss) | 4.81 | 4.81 | 2.27 | -2.93 | -1.53 | -0.67 |
Other Non Operating Income (Expenses) | -66.98 | -29.12 | 23.45 | 23.06 | -53.09 | -29.93 |
EBT Excluding Unusual Items | 2,655 | 2,252 | 2,738 | 1,318 | 1,224 | 753.47 |
Gain (Loss) on Sale of Assets | 56.51 | 56.51 | 54.71 | 31.08 | -24.42 | 6.4 |
Other Unusual Items | - | - | - | 21.27 | - | - |
Pretax Income | 2,712 | 2,309 | 2,793 | 1,370 | 1,199 | 759.88 |
Income Tax Expense | 917.78 | 802.35 | 765.56 | 364.78 | 277.46 | 248.16 |
Net Income | 1,794 | 1,506 | 2,027 | 1,005 | 921.72 | 511.71 |
Net Income to Common | 1,794 | 1,506 | 2,027 | 1,005 | 921.72 | 511.71 |
Net Income Growth | -4.58% | -25.69% | 101.60% | 9.08% | 80.12% | 23.44% |
Shares Outstanding (Basic) | 500 | 499 | 499 | 481 | 425 | 425 |
Shares Outstanding (Diluted) | 500 | 499 | 499 | 481 | 425 | 425 |
Shares Change | 9.03% | - | 3.88% | 13.16% | - | - |
EPS (Basic) | 3.59 | 3.02 | 4.06 | 2.09 | 2.17 | 1.20 |
EPS (Diluted) | 3.59 | 3.02 | 4.06 | 2.09 | 2.17 | 1.20 |
EPS Growth | -12.48% | -25.69% | 94.08% | -3.60% | 80.12% | 23.44% |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Free Cash Flow | 1,518 | 197.35 | 1,277 | 190.34 | 763.36 | 715.69 |
Free Cash Flow Per Share | 3.04 | 0.40 | 2.56 | 0.40 | 1.80 | 1.69 |
Dividend Per Share | - | - | 1.389 | 2.431 | 3.125 | 0.694 |
Dividend Growth | - | - | -42.86% | -22.22% | 350.03% | 66.64% |
Operating Margin | 46.24% | 43.76% | 47.51% | 33.82% | 36.23% | 38.61% |
Profit Margin | 30.36% | 28.72% | 35.36% | 26.02% | 25.90% | 18.06% |
Free Cash Flow Margin | 25.70% | 3.76% | 22.27% | 4.93% | 21.45% | 25.25% |
EBITDA | 2,948 | 2,520 | 2,918 | 1,474 | 1,404 | 1,212 |
EBITDA Margin | 49.89% | 48.05% | 50.90% | 38.14% | 39.47% | 42.77% |
D&A For EBITDA | 215.77 | 224.88 | 194.17 | 167.1 | 115.23 | 117.77 |
EBIT | 2,732 | 2,296 | 2,723 | 1,307 | 1,289 | 1,094 |
EBIT Margin | 46.24% | 43.76% | 47.51% | 33.82% | 36.23% | 38.61% |
Effective Tax Rate | 33.85% | 34.76% | 27.41% | 26.62% | 23.14% | 32.66% |