AICL Adamjee Insurance Company Limited
Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026
Last close · 16 Oct 2026
Rs 94.32 +0.68%
Annual · FY2006 – FY2025
Adamjee Insurance Company Limited (AICL) cash flow statement
Operating activities generated Rs 23.9 bn of cash in FY2025 (Jan – Dec 2025), down 17.2% on FY2024. Capital expenditure was Rs 904.9 mn. Dividends paid to shareholders came to Rs 1.3 bn. Overall, cash increased by Rs 2.1 bn.
| Rs bn | FY2025 * Jan – Dec 2025 | FY2024 * Jan – Dec 2024 | FY2023 * Jan – Dec 2023 | FY2022 * Jan – Dec 2022 | FY2021 * Jan – Dec 2021 | FY2020 * Jan – Dec 2020 | FY2019 * Jan – Dec 2019 | FY2018 * Jan – Dec 2018 | FY2017 Jan – Dec 2017 | FY2016 Jan – Dec 2016 | FY2015 Jan – Dec 2015 | FY2014 Jan – Dec 2014 | FY2013 Jan – Dec 2013 | FY2012 * Jan – Dec 2012 | FY2011 * Jan – Dec 2011 | FY2010 * Jan – Dec 2010 | FY2009 * Jan – Dec 2009 | FY2008 * Jan – Dec 2008 | FY2007 Jan – Dec 2007 | FY2006 Jan – Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net cash from operating activities | 23.9 | 28.8 | 12.3 | 12.3 | 13.9 | 8.6 | 6.4 | 9.1 | 10.6 | 7.3 | 8.2 | 4.8 | 3.4 | 1.8 | 0.5 | 0.6 | 0.8 | 0.2 | 0.4 | 0.1 |
| Capital expenditure | (0.9) | (0.4) | (0.3) | (0.3) | (0.4) | (0.6) | (1.2) | (1.2) | (1.6) | (0.4) | (0.4) | (0.1) | (0.3) | (0.4) | (0.3) | (0.3) | (0.2) | (0.3) | (0.5) | (0.1) |
| Net cash from investing activities | (20.4) | (23.1) | (13.6) | (17.9) | (13.3) | (6.8) | (3.9) | (4.6) | (11.1) | 1.0 | (6.4) | (3.4) | (2.8) | (1.4) | (0.4) | 0.3 | (0.5) | 1.2 | 0.0 | (0.3) |
| Dividends paid | (1.3) | (1.5) | (1.3) | (1.0) | (1.0) | (0.9) | (0.9) | (0.7) | (1.4) | (1.0) | (1.1) | (0.8) | (0.4) | (0.2) | (0.3) | (0.3) | (0.3) | 0.0 | (0.3) | (0.2) |
| Net cash from financing activities | (1.4) | (1.6) | (1.3) | (2.1) | (0.4) | (0.6) | (0.9) | (0.7) | (1.4) | (1.0) | (1.1) | (0.8) | (0.5) | (0.2) | (0.4) | (0.3) | (0.3) | (0.1) | (0.3) | (0.2) |
| Net change in cash | 2.1 | 4.1 | (2.6) | (7.7) | 0.3 | 1.2 | 1.5 | 3.8 | (1.9) | 7.2 | 0.8 | 0.6 | 0.1 | 0.2 | (0.2) | 0.6 | (0.0) | 1.3 | 0.1 | (0.5) |
| Rs mn | FY2025 * Jan – Dec 2025 | FY2024 * Jan – Dec 2024 | FY2023 * Jan – Dec 2023 | FY2022 * Jan – Dec 2022 | FY2021 * Jan – Dec 2021 | FY2020 * Jan – Dec 2020 | FY2019 * Jan – Dec 2019 | FY2018 * Jan – Dec 2018 | FY2017 Jan – Dec 2017 | FY2016 Jan – Dec 2016 | FY2015 Jan – Dec 2015 | FY2014 Jan – Dec 2014 | FY2013 Jan – Dec 2013 | FY2012 * Jan – Dec 2012 | FY2011 * Jan – Dec 2011 | FY2010 * Jan – Dec 2010 | FY2009 * Jan – Dec 2009 | FY2008 * Jan – Dec 2008 | FY2007 Jan – Dec 2007 | FY2006 Jan – Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net cash from operating activities | -17.2% | +133.9% | +0.1% | -11.2% | +60.9% | +35.8% | -30.4% | -14.2% | +45.9% | -11.4% | +71.6% | +42.0% | +85.8% | +242.8% | -8.0% | -29.8% | +438.4% | -61.7% | +349.3% | — |
| Capital expenditure | +111.8% | +45.6% | +7.2% | -22.3% | -37.9% | -54.0% | +5.3% | -28.6% | +316.8% | -8.0% | +206.4% | -50.0% | -21.2% | +20.5% | -8.8% | +79.0% | -46.3% | -31.8% | +311.1% | — |
| Net cash from investing activities | — | — | — | — | — | — | — | — | -1,205.5% | — | — | — | — | — | -217.2% | — | -143.5% | +32,785.4% | — | — |
| Dividends paid | -17.0% | +19.4% | +23.0% | +8.1% | +4.4% | +6.4% | +27.1% | -50.5% | +33.5% | -3.3% | +41.8% | +75.3% | +134.8% | -39.8% | +5.4% | +7.1% | — | -100.0% | +52.4% | — |
| Net cash from financing activities | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Net change in cash | -49.5% | — | — | -3,165.5% | -79.2% | -18.4% | -61.1% | — | -125.6% | +819.3% | +33.8% | +365.2% | -44.1% | — | -142.3% | — | -102.7% | +1,703.9% | — | — |
Change against the previous fiscal year; shown when the earlier figure is positive.
Figures in Pakistani rupees as reported by the company; costs and cash outflows in brackets; "—" = not reported. * Figures in this period do not fully reconcile in the source data (hover the * for details). Updated 16 Oct 2026.
All reported line items 48
| Rs bn | FY2025 Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 Jan – Dec 2021 | FY2020 Jan – Dec 2020 | FY2019 Jan – Dec 2019 | FY2018 Jan – Dec 2018 | FY2017 Jan – Dec 2017 | FY2016 Jan – Dec 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Cash Flow from Operating Activities | 23.9 | 28.8 | 12.3 | 12.3 | 13.9 | 8.6 | 6.4 | 9.1 | 10.6 | 7.3 |
| Capital Expenditures - Net - Cash Flow | 0.5 | 0.4 | 0.2 | 0.2 | 0.3 | 0.5 | 1.2 | 1.1 | 1.6 | 0.1 |
| Property, Plant & Equipment - Purchased/(Sold) - Net - Cash Flow | 0.4 | 0.3 | 0.2 | 0.2 | 0.2 | 0.4 | 1.2 | 1.1 | 1.6 | 0.1 |
| Property, Plant & Equipment - Purchased - Cash Flow | 0.8 | 0.4 | 0.3 | 0.2 | 0.3 | 0.5 | 1.2 | 1.1 | 1.6 | 0.4 |
| Property, Plant & Equipment Sold - Cash Flow | 0.4 | 0.1 | 0.0 | 0.0 | 0.1 | 0.1 | 0.0 | 0.0 | 0.0 | 0.3 |
| Intangible Assets - Purchased/(Sold) - Net - Total - Cash Flow | 0.1 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 | 0.0 | 0.0 |
| Intangible Assets - Purchased/Acquired - Cash Flow | 0.1 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 | 0.0 | 0.0 |
| Capital Expenditures - Total | 0.9 | 0.4 | 0.3 | 0.3 | 0.4 | 0.6 | 1.2 | 1.2 | 1.6 | 0.4 |
| Acquisition & Disposals of Business - Assets - Sold/(Acquired) - Net - Cash Flow | — | — | — | — | 0.0 | (0.4) | — | — | — | — |
| Acquisition of Business - Cash Flow | — | — | — | — | 0.0 | 0.4 | — | — | — | — |
| Investments excluding Loans - Decrease/(Increase) - Cash Flow | (18.4) | (23.1) | (13.6) | (17.8) | (13.1) | (6.0) | (2.8) | (3.5) | (9.5) | 1.1 |
| Investment Property excluded from Capital Expenditures - Sold/(Purchased) - Net - Cash Flow | (18.7) | (23.5) | (13.8) | (17.9) | (13.2) | (7.1) | (2.8) | (3.5) | (9.5) | 1.1 |
| Investment Securities - Unclassified - Sold/(Purchased) - Net - Total - Cash Flow | 0.3 | 0.4 | 0.2 | 0.1 | 0.0 | 1.1 | 0.0 | 0.0 | 0.0 | 0.0 |
| Investment Securities - Sold/Matured - Unclassified - Cash Flow | 0.3 | — | — | — | — | — | — | — | — | — |
| Investment Securities - Purchased - Unclassified - Cash Flow | 0.0 | — | — | — | — | — | — | — | — | — |
| Other Investing Cash Flow - Decrease/(Increase) | (1.5) | 0.3 | 0.2 | 0.2 | 0.1 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 |
| Net Cash Flow from Investing Activities | (20.4) | (23.1) | (13.6) | (17.9) | (13.3) | (6.8) | (3.9) | (4.6) | (11.1) | 1.0 |
| Dividends Paid - Cash - Total - Cash Flow | 1.3 | 1.5 | 1.3 | 1.0 | 1.0 | 0.9 | 0.9 | 0.7 | 1.4 | 1.0 |
| Dividends - Common - Cash Paid | 1.3 | 1.5 | 1.3 | 1.0 | 1.0 | 0.9 | 0.9 | 0.7 | 1.4 | 1.0 |
| Debt - Long-Term & Short-Term - Issuance/(Retirement) - Total - Cash Flow | (0.1) | (0.1) | (0.0) | (1.1) | 0.6 | 0.3 | (0.1) | 0.0 | — | — |
| Debt - Issued/Reduced - Long-Term - Cash Flow | (0.1) | (0.1) | (0.0) | (1.1) | 0.6 | 0.3 | (0.1) | 0.0 | — | — |
| Lease liabilities - Issued/(Reduced) - Cash Flow | (0.1) | (0.1) | (0.0) | (0.0) | (0.0) | (0.1) | (0.1) | 0.0 | — | — |
| Debt - Issued - Long-Term - Cash Flow | — | — | — | 0.0 | 1.4 | 0.4 | — | — | — | — |
| Debt - Reduced - Long-Term - Cash Flow | 0.1 | 0.1 | 0.0 | 1.1 | 0.8 | 0.1 | 0.1 | 0.0 | — | — |
| Lease liabilities - Reduced - Cash flow represents cash outflow due to the repayment of lease liability/debt of the company. It includes finance leases, capitalized lease, and hire-purchase agreement. Applicable to all industries. If Lease liability issue | 0.1 | 0.1 | 0.0 | 0.0 | 0.0 | 0.1 | 0.1 | 0.0 | — | — |
| Other Financing Cash Flow - Increase/(Decrease) | — | — | — | — | — | — | — | — | — | 0.0 |
| Net Cash Flow from Financing Activities | (1.4) | (1.6) | (1.3) | (2.1) | (0.4) | (0.6) | (0.9) | (0.7) | (1.4) | (1.0) |
| Net Change in Cash - Total | 2.1 | 4.1 | (2.6) | (7.7) | 0.3 | 1.2 | 1.5 | 3.8 | (1.9) | 7.2 |
| Net Cash from Continuing Operations | 2.1 | 4.1 | (2.6) | (7.7) | 0.3 | 1.2 | 1.5 | 3.8 | (1.9) | 7.2 |
| Net Cash - Beginning Balance | 10.2 | 6.1 | 11.9 | 19.5 | 19.2 | 18.0 | 16.5 | 12.7 | 5.5 | 4.2 |
| Net Cash - Ending Balance | 12.3 | 10.2 | 9.3 | 11.8 | 19.5 | 19.2 | 18.0 | 16.5 | 3.6 | 11.5 |
| Interest Paid - Cash (Cash Flow - Direct) | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | — | — |
| Cash Receipts - Business Activities - Cash Flow | 99.9 | 86.6 | 66.3 | 52.2 | 41.8 | 36.6 | 36.8 | 33.9 | 31.9 | 27.0 |
| Cash Payments - Business Activities - Cash Flow | 69.7 | 52.3 | 42.9 | 32.4 | 20.5 | 19.1 | 21.9 | 20.2 | 15.3 | 13.0 |
| Income Taxes - Paid/(Reimbursed) - Cash Flow | 3.3 | 2.2 | 1.1 | 1.0 | 1.0 | 0.4 | 0.7 | 0.9 | 1.1 | 0.6 |
| Interest & Dividends - Received - Total - Cash Flow - Direct | 16.4 | 19.8 | 15.9 | 8.3 | 5.8 | 2.2 | 3.6 | 3.2 | 2.7 | 2.4 |
| Cash Receipts/(Payments) - Net - Cash Flow | (19.4) | (23.0) | (25.9) | (14.8) | (12.3) | (10.7) | (11.4) | (6.8) | (7.5) | (8.6) |
| Investments in Loans - Decrease/(Increase) - Net - Cash Flow | 0.0 | 0.0 | 0.0 | 0.0 | (0.0) | 0.0 | 0.0 | 0.0 | (0.0) | 0.0 |
| Income Taxes - Paid/(Reimbursed) - Cash Flow - Supplemental | 3.3 | 2.2 | 1.1 | 1.0 | 1.0 | 0.4 | 0.7 | 0.9 | 1.1 | 0.6 |
| Interest Paid - Cash Flow - Supplemental | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | — | — |
| Interest on Financial Leases Paid - Cash Flow - Supplemental | — | — | 0.0 | 0.0 | 0.0 | 0.0 | — | — | — | — |
| Interest & Dividends - Received - Cash Flow - Supplemental | 16.4 | 19.8 | 15.9 | 8.3 | 5.8 | 2.2 | 3.6 | 3.2 | 2.7 | 2.4 |
| Working Capital - Cash Flow - Direct - Supplemental | (19.4) | (22.8) | (25.9) | (14.7) | (12.3) | (10.8) | (11.4) | (6.8) | (7.4) | (6.2) |
| CF from Optg Activities before Change in WC & Int Payments | 23.9 | 28.9 | 12.3 | 12.3 | 13.9 | 8.7 | 6.4 | 9.1 | 10.6 | 7.3 |
| Depreciation, Depletion & Amortization - Cash Flow | — | — | — | — | — | — | — | — | — | 0.1 |
| Free Cash Flow to Equity | 23.3 | 28.4 | 12.1 | 11.0 | 14.2 | 8.4 | 5.1 | 8.0 | 9.0 | 7.2 |
| Free Cash Flow Net of Dividends | 21.7 | 26.9 | 10.7 | 11.0 | 12.6 | 7.1 | 4.2 | 7.3 | 7.6 | 5.9 |
| Free Cash Flow | 23.0 | 28.4 | 12.0 | 12.0 | 13.5 | 8.1 | 5.1 | 7.9 | 9.0 | 6.9 |
Every line the company reported, in the original order and wording, without regrouping or signs changed. Latest 10 periods; the table above goes back further.