The Universal Insurance Company Limited (PSX:UVIC)

PSX:UVIC Cash Flow Statement

Financials in millions PKR. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	49.58	-4.85	-154.91	-111.02	40.44	-87.85
Depreciation & Amortization	3.03	3.08	3.8	3.03	3.34	3.75
Gain (Loss) on Sale of Assets	-3.97	-3.36	-4.41	-0.07	0	-0.24
Gain (Loss) on Sale of Investments	-23.84	22.08	-6.09	-14.7	-13.88	-9.75
Change in Other Net Operating Assets	24.02	-35.43	37.67	-14.87	19.69	-19.31
Other Operating Activities	-30.4	-43.65	-2.69	-2.29	-1.42	-2.98
Operating Cash Flow	17.49	-73.33	-131.19	-65.76	-34.14	-44.82
Capital Expenditures	-0.96	-0.93	-1.91	-5.75	-0.39	-0.61
Sale of Property, Plant & Equipment	4.17	3.62	13.93	0.31	0.08	0.54
Investment in Securities	-350.78	-60.35	243.42	59.7	31.88	-0.63
Other Investing Activities	32.97	49.64	8.53	8.17	6.64	8.48
Investing Cash Flow	-314.6	-8.02	263.98	62.43	38.21	7.77
Net Cash Flow	-297.12	-81.34	132.79	-3.33	4.07	-37.04
Free Cash Flow	16.53	-74.25	-133.1	-71.51	-34.53	-45.43
Free Cash Flow Margin	16.15%	-116.24%	-190.56%	-78.08%	-37.84%	-56.60%
Free Cash Flow Per Share	0.33	-1.49	-2.66	-1.43	-0.69	-0.91
Cash Income Tax Paid	7.85	10.59	3.85	2.99	2.23	1.84
Levered Free Cash Flow	-59.32	-43.27	-45.15	47.58	17.85	-14.56
Unlevered Free Cash Flow	-59.32	-43.27	-45.15	47.58	17.85	-14.56
Change in Working Capital	24.02	-35.43	37.67	-14.87	19.69	-19.31

Updated Jun 30, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.