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 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 | 63.58 | 44.14 | 17.73 | 45.6 | 74.31 | 75.21 |
Total Interest & Dividend Income | 15.01 | 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 | 32.9 | 29.66 | 67.48 | 17.4 | 1.37 | 1.04 |
| 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% |
Policy Benefits | 14.59 | -16.53 | 4.45 | 24.65 | 64.76 | 40.66 |
Policy Acquisition & Underwriting Costs | 1.28 | 0.83 | 2.05 | 5.62 | 8.91 | 9.72 |
Selling, General & Administrative | 89.79 | 76.64 | 76.45 | 97.61 | 163 | 90.55 |
Other Operating Expenses | 6.44 | 4.82 | 5.36 | 1.15 | 0.46 | 0.08 |
Total Operating Expenses | 112.1 | 65.76 | 88.31 | 129.03 | 237.13 | 141.01 |
Operating Income | 16.29 | 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 | 16.41 | 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 | 24.68 | 44.63 | -9.75 | -48.88 | -147.26 | 45.29 |
Income Tax Expense | 3.9 | 4.43 | -4.9 | 106.03 | -36.24 | 4.85 |
Net Income | 20.77 | 40.2 | -4.85 | -154.91 | -111.02 | 40.44 |
Net Income to Common | 20.77 | 40.2 | -4.85 | -154.91 | -111.02 | 40.44 |
Net Income Growth | -54.15% | - | - | - | - | - |
Shares Outstanding (Basic) | 49 | 50 | 50 | 50 | 50 | 50 |
Shares Outstanding (Diluted) | 49 | 50 | 50 | 50 | 50 | 50 |
Shares Change | -2.53% | - | - | - | - | - |
EPS (Basic) | 0.42 | 0.80 | -0.10 | -3.10 | -2.22 | 0.81 |
EPS (Diluted) | 0.42 | 0.80 | -0.10 | -3.10 | -2.22 | 0.81 |
EPS Growth | -52.96% | - | - | - | - | - |
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 | -35.68 | 35.61 | -74.25 | -133.1 | -71.51 | -34.53 |
Free Cash Flow Per Share | -0.73 | 0.71 | -1.49 | -2.66 | -1.43 | -0.69 |
Operating Margin | 12.69% | 35.53% | -38.25% | -84.74% | -158.92% | -54.54% |
Profit Margin | 16.18% | 39.41% | -7.58% | -221.80% | -121.22% | 44.32% |
Free Cash Flow Margin | -27.79% | 34.91% | -116.24% | -190.56% | -78.08% | -37.84% |
EBITDA | 23.31 | 39.49 | -21.35 | -55.39 | -142.51 | -46.43 |
EBITDA Margin | 18.15% | 38.71% | -33.43% | -79.30% | -155.61% | -50.89% |
D&A For EBITDA | 7.02 | 3.24 | 3.08 | 3.8 | 3.03 | 3.34 |
EBIT | 16.29 | 36.24 | -24.43 | -59.19 | -145.55 | -49.77 |
EBIT Margin | 12.69% | 35.53% | -38.25% | -84.74% | -158.92% | -54.54% |
Effective Tax Rate | 15.82% | 9.92% | - | - | - | 10.71% |