The Universal Insurance Company Limited (PSX:UVIC)
Pakistan · Delayed Price · Currency is PKR 17.40
-1.93 (-9.98%)
At close: Nov 2, 2026
PSX:UVIC Financials Overview
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 |
Revenue Revenue Growth | 128.39 | 102 | 63.88 | 69.84 | 91.59 | 91.24 |
Revenue Growth | 32.04% | 59.68% | -8.54% | -23.74% | 0.38% | 13.67% |
Operating Income Operating Income Growth | 16.29 | 36.24 | -24.43 | -59.19 | -145.55 | -49.77 |
Net Income Net Income Growth | 20.77 | 40.2 | -4.85 | -154.91 | -111.02 | 40.44 |
Earnings Per Share EPS Growth | 0.42 | 0.80 | -0.10 | -3.10 | -2.22 | 0.81 |
EPS Growth | -52.96% | - | - | - | - | - |
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
| Period Ending | 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 |
Fire and Property Damage Fire and Property Damage Growth | 1.99 | 0.32 | 5.78 | 14.6 | 8.51 |
Marine and Transport Marine and Transport Growth | 5.56 | 3.89 | 5.26 | 5.36 | 5.8 |
Motor Motor Growth | 33.6 | 13.32 | 33.35 | 55.26 | 57.12 |
Other Other Growth | 3 | 0.2 | 1.22 | 2.93 | 3.77 |
Unallocated Net Investment Unallocated Net Investment Growth | 26.93 | -22.08 | 6.09 | 14.7 | 13.88 |
Unallocated Rental Income Unallocated Rental Income Growth | 1.28 | 0.75 | 0.76 | 1.21 | 1.12 |
Unallocated Other Income Unallocated Other Income Growth | 38.05 | 72.01 | 27.71 | - | - |
Total Total Growth | 110.39 | 68.4 | 80.15 | 94.06 | 90.2 |
Fiscal Year | Current | 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 |
Net Cash (Debt) Net Cash Growth | 31.04 | 23.92 | 61.52 | 142.86 | 10.07 | 13.4 |
Net Cash Growth | -24.00% | -61.12% | -56.94% | 1318.54% | -24.83% | 43.57% |
Net Cash Per Share Net Cash Per Share Growth | 0.63 | 0.48 | 1.23 | 2.86 | 0.20 | 0.27 |
Cash & Investments Cash & Investments Growth | 31.04 | 23.92 | 61.52 | 142.86 | 10.07 | 13.4 |
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 |
Operating Cash Flow Operating Cash Flow Growth | -4.17 | 61.67 | -73.33 | -131.19 | -65.76 | -34.14 |
Capital Expenditures CapEx Growth | -31.51 | -26.07 | -0.93 | -1.91 | -5.75 | -0.39 |
Free Cash Flow Free Cash Flow Growth | -35.68 | 35.61 | -74.25 | -133.1 | -71.51 | -34.53 |
Free Cash Flow Growth | - | - | - | - | - | - |
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 |
Operating Margin | 12.69% | 35.53% | -38.25% | -84.74% | -158.92% | -54.54% |
Pretax Margin | 19.22% | 43.75% | -15.26% | -69.99% | -160.79% | 49.64% |
Profit Margin | 16.18% | 39.41% | -7.58% | -221.80% | -121.22% | 44.32% |
FCF Margin | -27.79% | 34.91% | -116.24% | -190.56% | -78.08% | -37.84% |
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Nov '26 Nov 2, 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 |
PE Ratio | 41.06 | 31.19 | - | - | - | 5.19 |
P/FCF Ratio | - | 35.22 | - | - | - | - |
PS Ratio | 6.80 | 12.29 | 9.35 | 4.97 | 2.42 | 2.30 |