PSX:UVIC 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	Mar '26 Mar 31, 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	54.28	44.14	17.73	45.6	74.31	75.21
Total Interest & Dividend Income	12.69	11.3	8.42	10.48	13.52	15
Gain (Loss) on Sale of Investments	16.9	16.9	-29.75	-3.63	2.38	-
Other Revenue	21.25	29.66	67.48	17.4	1.37	1.04
Total Revenue	105.12	102	63.88	69.84	91.59	91.24
Revenue Growth (YoY)	57.83%	59.68%	-8.54%	-23.74%	0.38%	13.67%
Policy Benefits	-14.52	-16.53	4.45	24.65	64.76	40.66
Policy Acquisition & Underwriting Costs	0.39	0.83	2.05	5.62	8.91	9.72
Selling, General & Administrative	77.43	76.64	76.45	97.61	163	90.55
Other Operating Expenses	5.4	4.82	5.36	1.15	0.46	0.08
Total Operating Expenses	68.71	65.76	88.31	129.03	237.13	141.01
Operating Income	36.42	36.24	-24.43	-59.19	-145.55	-49.77
Earnings From Equity Investments	-	-	10.28	-0	-8.24	86.64
Other Non Operating Income (Expenses)	0.12	0.12	0.23	1.33	-	3.76
EBT Excluding Unusual Items	36.53	36.36	-13.93	-57.86	-153.79	40.63
Gain (Loss) on Sale of Assets	7.87	7.87	3.25	4.41	0.07	-0
Asset Writedown	0.4	0.4	0.93	4.56	6.47	4.66
Pretax Income	44.8	44.63	-9.75	-48.88	-147.26	45.29
Income Tax Expense	3.41	4.43	-4.9	106.03	-36.24	4.85
Net Income	41.39	40.2	-4.85	-154.91	-111.02	40.44
Net Income to Common	41.39	40.2	-4.85	-154.91	-111.02	40.44
Shares Outstanding (Basic)	50	50	50	50	50	50
Shares Outstanding (Diluted)	50	50	50	50	50	50
Shares Change (YoY)	-0.99%	-	-	-	-	-
EPS (Basic)	0.83	0.80	-0.10	-3.10	-2.22	0.81
EPS (Diluted)	0.83	0.80	-0.10	-3.10	-2.22	0.81
Free Cash Flow	46.58	35.61	-74.25	-133.1	-71.51	-34.53
Free Cash Flow Per Share	0.94	0.71	-1.49	-2.66	-1.43	-0.69
Operating Margin	34.64%	35.53%	-38.25%	-84.74%	-158.92%	-54.54%
Profit Margin	39.37%	39.41%	-7.58%	-221.80%	-121.22%	44.32%
Free Cash Flow Margin	44.31%	34.91%	-116.24%	-190.56%	-78.08%	-37.84%
EBITDA	40.82	39.49	-21.35	-55.39	-142.51	-46.43
EBITDA Margin	38.83%	38.71%	-33.43%	-79.30%	-155.61%	-50.89%
D&A For EBITDA	4.4	3.24	3.08	3.8	3.03	3.34
EBIT	36.42	36.24	-24.43	-59.19	-145.55	-49.77
EBIT Margin	34.64%	35.53%	-38.25%	-84.74%	-158.92%	-54.54%
Effective Tax Rate	7.61%	9.92%	-	-	-	10.71%

Source: S&P Global Market Intelligence. Insurance template. Financial Sources.