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%
Quarterly · Q3 FY2021 – Q2 FY2026
Habib Insurance Company Limited (HICL) quarterly cash flow statement
Operating activities generated -Rs 176.6 mn of cash in Q2 FY2026 (Apr – Jun 2026), down 125.3% on Q2 FY2025. Capital expenditure was Rs 41.7 mn. Dividends paid to shareholders came to Rs 75.2 mn. Overall, cash decreased by Rs 163.6 mn.
| Rs mn | TTM to Jun 2026 | Q2 FY2026 * Apr – Jun 2026 | Q1 FY2026 * Jan – Mar 2026 | Q4 FY2025 * Oct – Dec 2025 | Q3 FY2025 * Jul – Sep 2025 | Q2 FY2025 * Apr – Jun 2025 | Q1 FY2025 * Jan – Mar 2025 | Q4 FY2024 * Oct – Dec 2024 | Q3 FY2024 * Jul – Sep 2024 | Q2 FY2024 * Apr – Jun 2024 | Q1 FY2024 * Jan – Mar 2024 | Q4 FY2023 * Oct – Dec 2023 | Q3 FY2023 * Jul – Sep 2023 | Q2 FY2023 * Apr – Jun 2023 | Q1 FY2023 * Jan – Mar 2023 | Q4 FY2022 * Oct – Dec 2022 | Q3 FY2022 * Jul – Sep 2022 | Q2 FY2022 * Apr – Jun 2022 | Q1 FY2022 * Jan – Mar 2022 | Q4 FY2021 * Oct – Dec 2021 | Q3 FY2021 * Jul – Sep 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net cash from operating activities | 989.8 | (176.6) | 273.3 | 357.1 | 535.9 | 696.9 | 181.4 | 499.3 | 499.0 | 479.3 | 439.8 | 522.6 | 403.9 | 417.3 | 9.6 | 912.1 | 315.8 | 383.6 | 370.6 | 372.6 | 242.7 |
| Capital expenditure | (89.6) | (41.7) | (31.6) | (14.4) | (2.0) | (4.4) | (8.5) | (2.0) | (25.0) | (4.7) | (2.0) | (10.4) | (41.3) | (4.0) | (3.9) | (2.5) | (1.0) | (5.1) | (1.2) | (5.7) | (1.3) |
| Net cash from investing activities | 457.0 | 327.9 | (31.2) | 194.9 | (34.7) | (79.0) | (331.3) | 338.3 | (568.9) | (54.1) | (1.9) | 590.8 | (1.5) | (3.9) | (54.8) | (689.5) | 433.8 | (37.6) | (167.6) | 179.0 | (107.1) |
| Dividends paid | (75.2) | (75.2) | 0.0 | (0.0) | 0.0 | (120.7) | — | (0.1) | 0.0 | (75.2) | 0.0 | (0.0) | (1.4) | (73.9) | (0.7) | (0.8) | (0.2) | (74.1) | (0.0) | (0.1) | (0.4) |
| Net cash from financing activities | (96.5) | (76.4) | (8.9) | (5.0) | (6.3) | (123.7) | (8.1) | (1.8) | (6.7) | (77.5) | (5.6) | (7.8) | (7.8) | (76.6) | (4.9) | (4.0) | (3.6) | (76.5) | (0.0) | (57.7) | 8.8 |
| Net change in cash | (189.0) | (163.6) | 29.4 | 76.4 | (131.1) | 171.6 | (383.3) | 350.0 | (700.9) | (2.2) | 132.4 | 565.8 | (13.7) | (225.8) | (161.2) | (201.5) | 436.1 | 50.1 | (67.1) | 201.6 | (114.6) |
| Rs mn | Q2 FY2026 * Apr – Jun 2026 | Q1 FY2026 * Jan – Mar 2026 | Q4 FY2025 * Oct – Dec 2025 | Q3 FY2025 * Jul – Sep 2025 | Q2 FY2025 * Apr – Jun 2025 | Q1 FY2025 * Jan – Mar 2025 | Q4 FY2024 * Oct – Dec 2024 | Q3 FY2024 * Jul – Sep 2024 | Q2 FY2024 * Apr – Jun 2024 | Q1 FY2024 * Jan – Mar 2024 | Q4 FY2023 * Oct – Dec 2023 | Q3 FY2023 * Jul – Sep 2023 | Q2 FY2023 * Apr – Jun 2023 | Q1 FY2023 * Jan – Mar 2023 | Q4 FY2022 * Oct – Dec 2022 | Q3 FY2022 * Jul – Sep 2022 | Q2 FY2022 * Apr – Jun 2022 | Q1 FY2022 * Jan – Mar 2022 | Q4 FY2021 * Oct – Dec 2021 | Q3 FY2021 * Jul – Sep 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net cash from operating activities | -125.3% | +50.7% | -28.5% | +7.4% | +45.4% | -58.8% | -4.5% | +23.5% | +14.9% | +4,492.0% | -42.7% | +27.9% | +8.8% | -97.4% | +144.8% | +30.1% | +54.1% | +29.3% | -12.9% | -14.6% |
| Capital expenditure | +839.0% | +271.6% | +621.5% | -91.9% | -6.0% | +328.9% | -80.8% | -39.5% | +17.4% | -48.8% | +317.9% | +4,235.8% | -21.9% | +228.0% | -56.5% | -25.0% | +23.9% | -90.8% | — | -84.5% |
| Net cash from investing activities | — | — | -42.4% | — | — | — | -42.7% | — | — | — | — | -100.3% | — | — | -485.3% | — | -1,679.3% | — | +58.9% | — |
| Dividends paid | -37.7% | — | -83.8% | — | +60.5% | — | +228.9% | -100.0% | +1.7% | -100.0% | -94.5% | +511.0% | -0.3% | +68,800.0% | +1,278.0% | -43.0% | +23.1% | -93.8% | +637.5% | -33.2% |
| Net cash from financing activities | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | -141.0% | — | — | — | — |
| Net change in cash | -195.3% | — | -78.2% | — | — | -389.5% | -38.2% | — | — | — | — | -103.2% | -550.6% | — | -199.9% | — | — | — | -16.9% | -495.4% |
Change against the same quarter a year earlier; shown when the earlier figure is positive.
Figures in Pakistani rupees as reported by the company; costs and cash outflows in brackets; "—" = not reported. TTM = the latest four quarters added together. * 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 | Q2 FY2026 Apr – Jun 2026 | Q1 FY2026 Jan – Mar 2026 | Q4 FY2025 Oct – Dec 2025 | Q3 FY2025 Jul – Sep 2025 | Q2 FY2025 Apr – Jun 2025 | Q1 FY2025 Jan – Mar 2025 | Q4 FY2024 Oct – Dec 2024 | Q3 FY2024 Jul – Sep 2024 | Q2 FY2024 Apr – Jun 2024 | Q1 FY2024 Jan – Mar 2024 | Q4 FY2023 Oct – Dec 2023 | Q3 FY2023 Jul – Sep 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Non-cash Items & Reconciliation Adjustments - Cash Flow | (166.0) | (261.0) | (214.8) | (138.9) | (201.9) | (259.0) | (114.8) | (49.2) | (299.4) | (152.9) | (119.1) | (95.9) |
| Other Non-Cash Items & Reconciliation Adjustments - Cash Flow - to Reconcile | (178.4) | (271.2) | (222.1) | (147.5) | (210.4) | (267.5) | (123.2) | (57.3) | (307.0) | (160.6) | (128.7) | (102.4) |
| Depreciation, Depletion & Amortization including Impairment - Cash Flow - to Reconcile | 12.4 | 10.2 | 7.3 | 8.6 | 8.5 | 8.5 | 8.4 | 8.1 | 7.6 | 7.8 | 9.6 | 6.5 |
| Depreciation & Depletion - Property, Plant & Equipment - Cash Flow - to Reconcile | 12.4 | 10.2 | 7.3 | 8.6 | 8.5 | 8.5 | 8.4 | 8.1 | 7.6 | 7.8 | 9.6 | 6.5 |
| Income Taxes - Paid/(Reimbursed) - Cash Flow | 21.4 | 31.9 | 28.4 | 28.6 | (44.4) | 80.0 | 31.4 | 21.9 | (64.3) | 103.7 | 16.1 | 4.0 |
| Interest & Dividends - Received - Total - Cash Flow | 94.9 | 69.2 | 90.3 | 46.7 | 79.9 | 62.7 | 83.9 | 54.4 | 136.2 | 77.0 | 154.3 | 50.1 |
| Cash Flow from Operating Activities before Changes in Working Capital | (92.4) | (223.7) | (152.9) | (120.9) | (77.6) | (276.4) | (62.3) | (16.8) | (98.9) | (179.6) | 19.1 | (49.9) |
| Working Capital - Increase/(Decrease) - Cash Flow | (84.1) | 497.0 | 510.0 | 656.8 | 774.5 | 457.7 | 561.5 | 515.7 | 578.2 | 619.4 | 503.5 | 453.8 |
| Insurance Receivables Decrease/(Increase) - Cash Flow | 889.8 | 1,333.7 | 1,296.0 | 1,285.4 | 1,294.3 | 830.7 | 1,202.3 | 1,007.7 | 994.5 | 956.8 | 980.2 | 890.0 |
| Insurance Payables including Reinsurance - Increase/(Decrease) - Cash Flow | (974.0) | (836.7) | (786.0) | (628.6) | (519.8) | (372.9) | (640.7) | (492.0) | (416.3) | (337.4) | (476.8) | (436.2) |
| Net Cash Flow from Operating Activities | (176.6) | 273.3 | 357.1 | 535.9 | 696.9 | 181.4 | 499.3 | 499.0 | 479.3 | 439.8 | 522.6 | 403.9 |
| Capital Expenditures - Net - Cash Flow | 41.5 | 31.2 | 14.2 | 1.7 | 4.3 | 8.4 | 1.4 | 24.7 | 4.2 | 1.9 | 10.3 | 40.9 |
| Property, Plant & Equipment - Purchased/(Sold) - Net - Cash Flow | 41.5 | 31.2 | 14.2 | 1.7 | 4.3 | 8.4 | 1.4 | 24.7 | 4.2 | 1.9 | 10.3 | 40.9 |
| Property, Plant & Equipment - Purchased - Cash Flow | 41.7 | 31.6 | 14.4 | 2.0 | 4.4 | 8.5 | 2.0 | 25.0 | 4.7 | 2.0 | 10.4 | 41.3 |
| Property, Plant & Equipment Sold - Cash Flow | 0.2 | 0.3 | 0.1 | 0.3 | 0.1 | 0.1 | 0.5 | 0.3 | 0.5 | 0.1 | 0.1 | 0.4 |
| Capital Expenditures - Total | 41.7 | 31.6 | 14.4 | 2.0 | 4.4 | 8.5 | 2.0 | 25.0 | 4.7 | 2.0 | 10.4 | 41.3 |
| Investments excluding Loans - Decrease/(Increase) - Cash Flow | 369.4 | 0.0 | 209.2 | (32.9) | (74.7) | (322.9) | 339.7 | (544.2) | (49.9) | 0.0 | 601.1 | 39.4 |
| Investment Securities - Unclassified - Sold/(Purchased) - Net - Total - Cash Flow | 369.4 | 0.0 | 209.2 | (32.9) | (74.7) | (322.9) | 339.7 | (544.2) | (49.9) | 0.0 | 601.1 | 39.4 |
| Investment Securities - Sold/Matured - Unclassified - Cash Flow | 369.5 | 0.0 | 209.2 | 0.0 | 449.1 | 99.3 | 410.5 | 0.0 | 0.0 | 0.0 | 698.8 | 39.5 |
| Investment Securities - Purchased - Unclassified - Cash Flow | 0.1 | 0.0 | 0.0 | 32.9 | 523.8 | 422.2 | 70.8 | 544.2 | 49.9 | 0.0 | 97.8 | 0.1 |
| Net Cash Flow from Investing Activities | 327.9 | (31.2) | 194.9 | (34.7) | (79.0) | (331.3) | 338.3 | (568.9) | (54.1) | (1.9) | 590.8 | (1.5) |
| Dividends Paid - Cash - Total - Cash Flow | 75.2 | 0.0 | 0.0 | 0.0 | 120.7 | — | 0.1 | 0.0 | 75.2 | 0.0 | 0.0 | 1.4 |
| Dividends - Common - Cash Paid | 75.2 | 0.0 | 0.0 | 0.0 | 120.7 | — | 0.1 | 0.0 | 75.2 | 0.0 | 0.0 | 1.4 |
| Debt - Long-Term & Short-Term - Issuance/(Retirement) - Total - Cash Flow | (1.2) | (8.9) | (5.0) | (6.3) | (3.0) | (8.1) | (1.6) | (6.7) | (2.3) | (5.6) | (7.8) | (6.4) |
| Debt - Issued/Reduced - Long-Term - Cash Flow | (1.2) | (8.9) | (5.0) | (6.3) | (3.0) | (8.1) | (1.6) | (6.7) | (2.3) | (5.6) | (7.8) | (6.4) |
| Lease liabilities - Issued/(Reduced) - Cash Flow | (1.2) | (8.9) | (5.0) | (6.3) | (3.0) | (8.1) | (1.6) | (6.7) | (2.3) | (5.6) | (7.8) | (6.4) |
| Debt - Issued - Long-Term - Cash Flow | — | — | — | — | 0.0 | — | — | — | — | — | — | — |
| Debt - Reduced - Long-Term - Cash Flow | 1.2 | 8.9 | 5.0 | 6.3 | 3.0 | 8.1 | 1.6 | 6.7 | 2.3 | 5.6 | 7.8 | 6.4 |
| 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 | 1.2 | 8.9 | 5.0 | 6.3 | 3.0 | 8.1 | 1.6 | 6.7 | 2.3 | 5.6 | 7.8 | 6.4 |
| Net Cash Flow from Financing Activities | (76.4) | (8.9) | (5.0) | (6.3) | (123.7) | (8.1) | (1.8) | (6.7) | (77.5) | (5.6) | (7.8) | (7.8) |
| Net Change in Cash - Total | (163.6) | 29.4 | 76.4 | (131.1) | 171.6 | (383.3) | 350.0 | (700.9) | (2.2) | 132.4 | 565.8 | (13.7) |
| Net Cash from Continuing Operations | 75.0 | 233.2 | 547.1 | 495.0 | 494.3 | (157.9) | 835.8 | (76.6) | 347.7 | 432.3 | 1,105.6 | 394.6 |
| Net Cash - Beginning Balance | 71.6 | (15.9) | (92.2) | 38.9 | (132.7) | 250.6 | (99.4) | 601.6 | 603.8 | 471.4 | (94.5) | (80.7) |
| Net Cash - Ending Balance | (92.0) | 13.6 | (15.9) | (92.2) | 38.9 | (132.7) | 250.6 | (99.4) | 601.6 | 603.8 | 471.4 | (94.5) |
| Income Taxes - Paid/(Reimbursed) - Cash Flow - Supplemental | 21.4 | 31.9 | 28.4 | 28.6 | (44.4) | 80.0 | 31.4 | 21.9 | (64.3) | 103.7 | 16.1 | 4.0 |
| Interest & Dividends - Received - Cash Flow - Supplemental | 94.9 | 69.2 | 90.3 | 46.7 | 79.9 | 62.7 | 83.9 | 54.4 | 136.2 | 77.0 | 154.3 | 50.1 |
| CF from Optg Activities before Change in WC & Int Payments | (92.4) | (223.7) | (152.9) | (120.9) | (77.6) | (276.4) | (62.3) | (16.8) | (98.9) | (179.6) | 19.1 | (49.9) |
| Depreciation, Depletion & Amortization - Cash Flow | 12.4 | 10.2 | 7.3 | 8.6 | 8.5 | 8.5 | 8.4 | 8.1 | 7.6 | 7.8 | 9.6 | 6.5 |
| Free Cash Flow to Equity | (219.3) | 233.2 | 337.9 | 527.9 | 689.7 | 164.9 | 496.2 | 467.6 | 472.8 | 432.3 | 504.6 | 356.6 |
| Free Cash Flow Net of Dividends | (293.4) | 241.7 | 342.7 | 533.9 | 571.8 | 172.9 | 497.1 | 474.0 | 399.4 | 437.8 | 512.2 | 361.2 |
| Free Cash Flow | (218.3) | 241.7 | 342.8 | 533.9 | 692.5 | 172.9 | 497.3 | 474.0 | 474.6 | 437.8 | 512.2 | 362.6 |
Every line the company reported, in the original order and wording, without regrouping or signs changed. Latest 12 periods; the table above goes back further.