HICL Habib Insurance Company Limited
Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026
Last close · 16 Oct 2026
Rs 7.91 +0.13%
Annual · FY2006 – FY2025
Habib Insurance Company Limited (HICL) cash flow statement
Operating activities generated Rs 1.8 bn of cash in FY2025 (Jan – Dec 2025), down 7.6% on FY2024. Capital expenditure was Rs 29.3 mn. Dividends paid to shareholders came to Rs 120.7 mn. Overall, cash decreased by Rs 266.5 mn.
| 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 | 1,771.4 | 1,917.4 | 1,353.4 | 1,982.1 | 1,116.8 | 1,130.2 | 1,002.9 | 604.3 | 495.9 | 852.8 | 630.5 | 600.0 | 563.1 | 698.4 | 390.7 | 454.7 | 441.0 | 326.0 | 335.3 | 324.0 |
| Capital expenditure | (29.3) | (33.7) | (59.6) | (9.8) | (23.9) | (9.5) | (11.7) | (25.7) | (7.7) | (8.3) | (16.8) | (6.7) | (3.1) | (1.2) | (3.9) | (9.1) | (11.3) | (21.2) | (16.1) | (10.4) |
| Net cash from investing activities | (250.0) | (286.6) | 530.6 | (461.0) | (45.7) | 33.0 | (155.1) | 15.0 | 296.2 | 237.9 | 251.2 | 232.5 | 67.4 | (28.9) | 102.9 | 103.4 | (75.3) | 155.0 | 73.5 | 44.1 |
| Dividends paid | (120.7) | (75.3) | (76.0) | (75.2) | (60.7) | (60.4) | (90.4) | (90.2) | (211.1) | (212.0) | (241.7) | (121.4) | (167.0) | (109.2) | (97.8) | (136.2) | (43.4) | (177.0) | (138.4) | (57.3) |
| Net cash from financing activities | (143.0) | (91.7) | (97.2) | (84.1) | (145.9) | (177.2) | (32.5) | (95.5) | (211.1) | (212.0) | (241.7) | (121.4) | (167.0) | (109.2) | (97.8) | (136.2) | (43.4) | (177.0) | (138.4) | (57.3) |
| Net change in cash | (266.5) | (220.8) | 165.1 | 217.7 | (91.0) | 58.4 | 18.7 | (64.1) | 18.4 | 11.7 | 61.8 | 13.9 | (18.0) | 28.2 | (7.6) | 31.5 | (30.9) | (72.5) | 3.5 | 69.9 |
| 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 | -7.6% | +41.7% | -31.7% | +77.5% | -1.2% | +12.7% | +66.0% | +21.8% | -41.8% | +35.3% | +5.1% | +6.6% | -19.4% | +78.8% | -14.1% | +3.1% | +35.3% | -2.8% | +3.5% | — |
| Capital expenditure | -13.0% | -43.4% | +510.5% | -59.2% | +152.9% | -19.4% | -54.4% | +232.4% | -7.1% | -50.4% | +152.1% | +112.9% | +152.3% | -68.6% | -56.6% | -19.7% | -46.5% | +31.3% | +55.2% | — |
| Net cash from investing activities | — | -154.0% | — | — | -238.3% | — | -1,131.3% | -94.9% | +24.5% | -5.3% | +8.0% | +244.8% | — | -128.1% | -0.5% | — | -148.6% | +111.0% | +66.8% | — |
| Dividends paid | +60.2% | -0.9% | +1.1% | +23.8% | +0.5% | -33.2% | +0.3% | -57.3% | -0.4% | -12.3% | +99.1% | -27.3% | +52.8% | +11.7% | -28.2% | +213.8% | -75.5% | +27.8% | +141.5% | — |
| Net cash from financing activities | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Net change in cash | — | -233.7% | -24.1% | — | -255.7% | +212.1% | — | -447.3% | +58.3% | -81.1% | +343.4% | — | -163.8% | — | -124.0% | — | — | -2,168.6% | -95.0% | — |
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 41
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|
| Non-cash Items & Reconciliation Adjustments - Cash Flow | (814.7) | (616.3) | (628.2) | (601.3) | (392.2) | (266.2) | (233.5) | (268.6) | (316.1) | (242.6) |
| Other Non-Cash Items & Reconciliation Adjustments - Cash Flow - to Reconcile | (847.5) | (648.1) | (655.1) | (620.0) | (392.2) | (301.5) | (266.4) | (281.0) | (316.1) | (242.6) |
| Depreciation, Depletion & Amortization including Impairment - Cash Flow - to Reconcile | 32.8 | 31.9 | 26.9 | 18.6 | — | 35.3 | 32.9 | 12.4 | — | — |
| Depreciation & Depletion - Property, Plant & Equipment - Cash Flow - to Reconcile | 32.8 | 31.9 | 26.9 | 18.6 | — | 35.3 | 32.9 | 12.4 | — | — |
| Income Taxes - Paid/(Reimbursed) - Cash Flow | 92.7 | 92.7 | 38.9 | 43.5 | 51.1 | 33.6 | 33.6 | 84.5 | 42.9 | 78.2 |
| Interest & Dividends - Received - Total - Cash Flow | 279.6 | 351.4 | 307.8 | 183.8 | 127.9 | 88.5 | 58.6 | 78.4 | 90.9 | 97.2 |
| Cash Flow from Operating Activities before Changes in Working Capital | (627.7) | (357.5) | (359.3) | (461.0) | (315.4) | (211.2) | (208.5) | (274.7) | (268.1) | (223.6) |
| Working Capital - Increase/(Decrease) - Cash Flow | 2,399.1 | 2,274.9 | 1,712.8 | 2,443.1 | 1,432.1 | 1,341.4 | 1,211.3 | 879.0 | 764.0 | 1,076.4 |
| Insurance Receivables Decrease/(Increase) - Cash Flow | 4,706.3 | 4,161.3 | 3,495.3 | 3,744.8 | 2,508.9 | 2,278.3 | 2,155.8 | 1,601.7 | 1,574.7 | 1,833.8 |
| Insurance Payables including Reinsurance - Increase/(Decrease) - Cash Flow | (2,307.2) | (1,886.4) | (1,782.6) | (1,301.6) | (1,076.7) | (936.9) | (944.4) | (722.8) | (810.7) | (757.4) |
| Net Cash Flow from Operating Activities | 1,771.4 | 1,917.4 | 1,353.4 | 1,982.1 | 1,116.8 | 1,130.2 | 1,002.9 | 604.3 | 495.9 | 852.8 |
| Capital Expenditures - Net - Cash Flow | 28.7 | 32.2 | 58.8 | 4.1 | (138.6) | 0.8 | 9.5 | 5.5 | 7.5 | 8.2 |
| Property, Plant & Equipment - Purchased/(Sold) - Net - Cash Flow | 28.7 | 32.2 | 58.8 | 4.1 | (138.6) | 0.8 | 9.5 | 5.5 | 7.5 | 8.2 |
| Property, Plant & Equipment - Purchased - Cash Flow | 29.3 | 33.7 | 59.6 | 9.8 | 23.9 | 9.5 | 11.7 | 25.7 | 7.7 | 8.3 |
| Property, Plant & Equipment Sold - Cash Flow | 0.7 | 1.5 | 0.8 | 5.6 | 162.5 | 8.7 | 2.2 | 20.2 | 0.3 | 0.1 |
| Capital Expenditures - Total | 29.3 | 33.7 | 59.6 | 9.8 | 23.9 | 9.5 | 11.7 | 25.7 | 7.7 | 8.3 |
| Investments excluding Loans - Decrease/(Increase) - Cash Flow | (221.4) | (254.3) | 589.4 | (456.8) | (184.2) | 33.8 | (145.6) | 20.5 | 303.7 | 246.1 |
| Investment Securities - Unclassified - Sold/(Purchased) - Net - Total - Cash Flow | (221.4) | (254.3) | 589.4 | (456.8) | (184.2) | 33.8 | (145.6) | 20.5 | 303.7 | 246.1 |
| Investment Securities - Sold/Matured - Unclassified - Cash Flow | 757.6 | 410.5 | 1,063.2 | 2,016.4 | 932.1 | 397.7 | 617.7 | 721.7 | 691.2 | 1,019.5 |
| Investment Securities - Purchased - Unclassified - Cash Flow | 979.0 | 664.8 | 473.9 | 2,473.3 | 1,116.4 | 363.9 | 763.3 | 701.1 | 387.5 | 773.4 |
| Net Cash Flow from Investing Activities | (250.0) | (286.6) | 530.6 | (461.0) | (45.7) | 33.0 | (155.1) | 15.0 | 296.2 | 237.9 |
| Dividends Paid - Cash - Total - Cash Flow | 120.7 | 75.3 | 76.0 | 75.2 | 60.7 | 60.4 | 90.4 | 90.2 | 211.1 | 212.0 |
| Dividends - Common - Cash Paid | 120.7 | 75.3 | 76.0 | 75.2 | 60.7 | 60.4 | 90.4 | 90.2 | 211.1 | 212.0 |
| Debt - Long-Term & Short-Term - Issuance/(Retirement) - Total - Cash Flow | (22.3) | (16.3) | (21.1) | (8.9) | (85.2) | (116.9) | 57.9 | (5.3) | — | — |
| Debt - Issued/Reduced - Long-Term - Cash Flow | (22.3) | (16.3) | (21.1) | (8.9) | (85.2) | (116.9) | 57.9 | (5.3) | — | — |
| Lease liabilities - Issued/(Reduced) - Cash Flow | (22.3) | (16.3) | (21.1) | (8.9) | (85.2) | (36.9) | (22.1) | (5.3) | — | — |
| Debt - Issued - Long-Term - Cash Flow | — | — | — | — | — | 0.0 | 200.0 | — | — | — |
| Debt - Reduced - Long-Term - Cash Flow | 22.3 | 16.3 | 21.1 | 8.9 | 85.2 | 116.9 | 142.1 | 5.3 | — | — |
| 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 | 22.3 | 16.3 | 21.1 | 8.9 | 85.2 | 36.9 | 22.1 | 5.3 | — | — |
| Net Cash Flow from Financing Activities | (143.0) | (91.7) | (97.2) | (84.1) | (145.9) | (177.2) | (32.5) | (95.5) | (211.1) | (212.0) |
| Net Change in Cash - Total | (266.5) | (220.8) | 165.1 | 217.7 | (91.0) | 58.4 | 18.7 | (64.1) | 18.4 | 11.7 |
| Net Cash from Continuing Operations | 1,378.4 | 1,539.2 | 1,786.9 | 1,437.1 | 925.2 | 986.0 | 815.2 | 523.9 | 581.0 | 878.7 |
| Net Cash - Beginning Balance | 250.6 | 471.4 | 306.2 | 88.6 | 179.5 | 121.1 | 102.4 | 166.5 | 148.0 | 136.4 |
| Net Cash - Ending Balance | (15.9) | 250.6 | 471.4 | 306.2 | 88.6 | 179.5 | 121.1 | 102.4 | 166.5 | 148.0 |
| Income Taxes - Paid/(Reimbursed) - Cash Flow - Supplemental | 92.7 | 92.7 | 38.9 | 43.5 | 51.1 | 33.6 | 33.6 | 84.5 | 42.9 | 78.2 |
| Interest & Dividends - Received - Cash Flow - Supplemental | 279.6 | 351.4 | 307.8 | 183.8 | 127.9 | 88.5 | 58.6 | 78.4 | 90.9 | 97.2 |
| CF from Optg Activities before Change in WC & Int Payments | (627.7) | (357.5) | (359.3) | (461.0) | (315.4) | (211.2) | (208.5) | (274.7) | (268.1) | (223.6) |
| Depreciation, Depletion & Amortization - Cash Flow | 32.8 | 31.9 | 26.9 | 18.6 | — | 35.3 | 32.9 | 12.4 | — | — |
| Free Cash Flow to Equity | 1,720.4 | 1,868.8 | 1,273.6 | 1,969.1 | 1,170.2 | 1,012.5 | 1,051.3 | 593.5 | 488.5 | 844.6 |
| Free Cash Flow Net of Dividends | 1,621.4 | 1,808.4 | 1,217.8 | 1,897.2 | 1,032.1 | 1,060.4 | 900.7 | 488.4 | 277.1 | 632.5 |
| Free Cash Flow | 1,742.1 | 1,883.7 | 1,293.9 | 1,972.4 | 1,092.8 | 1,120.7 | 991.1 | 578.6 | 488.2 | 844.4 |
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.