PINL Premier Insurance Limited
Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026
Last close · 16 Oct 2026
Rs 9.03 -6.04%
Annual · FY2006 – FY2025
Premier Insurance Limited (PINL) cash flow statement
Operating activities generated -Rs 111.7 mn of cash in FY2025 (Jan – Dec 2025). Capital expenditure was Rs 9.4 mn. Dividends paid to shareholders came to Rs 0. Overall, cash decreased by Rs 40.5 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 | (111.7) | (118.4) | (48.0) | (68.5) | (183.0) | (123.3) | (85.8) | (281.5) | (200.3) | (84.1) | (148.1) | (68.8) | (238.0) | (91.9) | (92.7) | (48.7) | (56.8) | (171.4) | (24.1) | (60.3) |
| Capital expenditure | (9.4) | (1.8) | (0.6) | (1.2) | (34.2) | (5.0) | (2.6) | (1.5) | (6.9) | (63.4) | (11.9) | (15.6) | (2.7) | (17.0) | (21.3) | (40.2) | (22.4) | (50.7) | (31.5) | (156.5) |
| Net cash from investing activities | 68.3 | 131.1 | 35.8 | 49.7 | 224.6 | 71.7 | 112.2 | 205.1 | (68.1) | 453.4 | 111.2 | 166.0 | 255.1 | 107.0 | 204.1 | 33.4 | (557.2) | 862.8 | 21.7 | 45.2 |
| Dividends paid | 0.0 | (0.0) | (0.3) | (0.0) | (0.0) | (2.8) | (0.6) | 0.0 | (0.1) | (36.4) | (29.3) | (55.1) | (54.9) | (54.9) | (73.4) | (51.5) | (46.6) | (39.8) | (32.1) | (26.5) |
| Net cash from financing activities | 2.8 | 2.7 | (2.4) | (3.4) | (3.2) | (6.0) | (4.1) | 0.0 | (0.1) | (36.4) | (29.3) | (55.1) | (54.9) | (54.9) | (73.4) | (51.5) | (47.2) | (41.0) | (33.9) | (28.2) |
| Net change in cash | (40.5) | 15.4 | (14.7) | (22.2) | 38.4 | (57.6) | 22.4 | (76.4) | (268.4) | 332.9 | (66.2) | 42.1 | (37.9) | (39.8) | 38.0 | (66.7) | (661.2) | 650.4 | (36.3) | (43.2) |
| 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 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Capital expenditure | +426.8% | +191.5% | -49.2% | -96.5% | +580.7% | +90.9% | +73.7% | -77.9% | -89.2% | +434.7% | -24.0% | +470.7% | -84.0% | -20.0% | -47.0% | +79.7% | -55.9% | +61.2% | -79.9% | — |
| Net cash from investing activities | -47.9% | +266.4% | -28.0% | -77.9% | +213.1% | -36.1% | -45.3% | — | -115.0% | +307.7% | -33.0% | -34.9% | +138.5% | -47.6% | +510.9% | — | -164.6% | +3,872.7% | -52.0% | — |
| Dividends paid | -100.0% | -93.4% | +7,475.0% | -82.6% | -99.2% | +331.0% | — | -100.0% | -99.8% | +24.3% | -46.9% | +0.4% | +0.1% | -25.2% | +42.6% | +10.4% | +17.1% | +23.9% | +21.2% | — |
| Net cash from financing activities | +3.2% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Net change in cash | -363.3% | — | — | -157.9% | — | -357.7% | — | — | -180.6% | — | -257.4% | — | — | -204.6% | — | — | -201.7% | — | — | — |
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 46
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Cash Flow from Operating Activities | (111.7) | (118.4) | (48.0) | (68.5) | (183.0) | (123.3) | (85.8) | (281.5) | (200.3) | (84.1) |
| Capital Expenditures - Net - Cash Flow | 4.3 | (10.9) | (2.4) | (3.3) | 34.2 | 0.7 | (26.3) | (18.3) | (9.0) | 42.7 |
| Property, Plant & Equipment - Purchased/(Sold) - Net - Cash Flow | 4.3 | (10.9) | (2.4) | (3.3) | 34.2 | 0.7 | (26.3) | (18.3) | (9.0) | 42.7 |
| Property, Plant & Equipment - Purchased - Cash Flow | 9.4 | 1.8 | 0.6 | 1.2 | 34.2 | 5.0 | 2.6 | 1.5 | 6.9 | 63.4 |
| Property, Plant & Equipment Sold - Cash Flow | 5.0 | 12.7 | 3.0 | 4.5 | — | 4.4 | 28.9 | 19.8 | 15.9 | 20.7 |
| Capital Expenditures - Total | 9.4 | 1.8 | 0.6 | 1.2 | 34.2 | 5.0 | 2.6 | 1.5 | 6.9 | 63.4 |
| Investments excluding Loans - Decrease/(Increase) - Cash Flow | (176.0) | (98.7) | (7.1) | (5.1) | 93.5 | 19.2 | 50.9 | 140.6 | (122.2) | 441.9 |
| Investment Securities - Unclassified - Sold/(Purchased) - Net - Total - Cash Flow | (176.0) | (98.7) | (7.1) | (5.1) | 93.5 | 19.2 | 50.9 | 140.6 | (122.2) | 441.9 |
| Investment Securities - Sold/Matured - Unclassified - Cash Flow | 1,179.7 | 342.4 | 1.7 | 0.7 | 350.0 | 87.2 | 67.2 | 472.9 | 654.3 | 1,333.0 |
| Investment Securities - Purchased - Unclassified - Cash Flow | 1,355.7 | 441.1 | 8.7 | 5.8 | 256.6 | 68.1 | 16.3 | 332.4 | 776.4 | 891.1 |
| Other Investing Cash Flow - Decrease/(Increase) | 248.7 | 218.9 | 40.5 | 51.6 | 165.4 | 53.2 | 35.0 | 46.2 | 45.1 | 54.2 |
| Net Cash Flow from Investing Activities | 68.3 | 131.1 | 35.8 | 49.7 | 224.6 | 71.7 | 112.2 | 205.1 | (68.1) | 453.4 |
| Dividends Paid - Cash - Total - Cash Flow | 0.0 | 0.0 | 0.3 | 0.0 | 0.0 | 2.8 | 0.6 | 0.0 | 0.1 | 36.4 |
| Dividends - Common - Cash Paid | 0.0 | 0.0 | 0.3 | 0.0 | 0.0 | 2.8 | 0.6 | 0.0 | 0.1 | 36.4 |
| Debt - Long-Term & Short-Term - Issuance/(Retirement) - Total - Cash Flow | 2.8 | 2.7 | (2.1) | (3.4) | (3.2) | (3.3) | (3.4) | — | — | — |
| Debt - Issued/Reduced - Long-Term - Cash Flow | 2.8 | 2.7 | (2.1) | (3.4) | (3.2) | (3.3) | (3.4) | — | — | — |
| Lease liabilities - Issued/(Reduced) - Cash Flow | 2.8 | 2.7 | (2.1) | (3.4) | (3.2) | — | — | — | — | — |
| Debt - Issued - Long-Term - Cash Flow | 2.8 | 2.7 | — | — | — | — | — | — | — | — |
| Lease liabilities - Issued - Cash flow | 2.8 | 2.7 | — | — | — | — | — | — | — | — |
| Debt - Reduced - Long-Term - Cash Flow | — | — | 2.1 | 3.4 | 3.2 | — | — | — | — | — |
| 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 | — | — | 2.1 | 3.4 | 3.2 | — | — | — | — | — |
| Net Cash Flow from Financing Activities | 2.8 | 2.7 | (2.4) | (3.4) | (3.2) | (6.0) | (4.1) | 0.0 | (0.1) | (36.4) |
| Net Change in Cash - Total | (40.5) | 15.4 | (14.7) | (22.2) | 38.4 | (57.6) | 22.4 | (76.4) | (268.4) | 332.9 |
| Net Cash from Continuing Operations | (40.5) | 15.4 | (14.7) | (22.2) | 38.4 | (57.6) | 22.4 | (76.4) | (268.4) | 332.9 |
| Net Cash - Beginning Balance | 54.5 | 39.1 | 53.7 | 76.0 | 37.6 | 95.2 | 72.8 | 149.3 | 417.7 | 84.8 |
| Net Cash - Ending Balance | 13.9 | 54.5 | 39.1 | 53.7 | 76.0 | 37.6 | 95.2 | 72.8 | 149.3 | 417.7 |
| Interest Paid - Cash (Cash Flow - Direct) | 2.1 | 1.4 | 0.6 | 1.2 | 0.0 | 1.5 | 1.8 | 0.3 | — | — |
| Cash Receipts - Business Activities - Cash Flow | 790.0 | 543.7 | 1,023.5 | 1,095.3 | 1,009.9 | 627.2 | 651.4 | 936.4 | 1,349.4 | 1,744.7 |
| Premiums Received - Cash Flow | 549.3 | 440.5 | 591.8 | 576.9 | 676.1 | 511.2 | 476.3 | 532.7 | 922.9 | 1,398.3 |
| Reinsurance Recovered - Cash Flow | 178.0 | 54.7 | 403.1 | 474.3 | 289.3 | 73.1 | 140.0 | 362.4 | 355.1 | 249.4 |
| Fees Received - Cash Flow | 62.7 | 48.5 | 28.7 | 44.1 | 44.6 | 42.8 | 35.0 | 41.3 | 71.4 | 97.0 |
| Cash Payments - Business Activities - Cash Flow | 710.3 | 400.7 | 857.5 | 995.5 | 990.4 | 486.3 | 608.7 | 927.6 | 1,272.2 | 1,303.7 |
| Reinsurance Paid - Cash Flow | 402.2 | 59.8 | 147.8 | 286.3 | 448.2 | 235.8 | 205.7 | 343.0 | 495.8 | 516.3 |
| Claims Paid - Cash Flow | 252.6 | 296.4 | 638.1 | 653.1 | 502.0 | 194.7 | 339.6 | 513.2 | 636.2 | 553.2 |
| Cash Payments - Other - Cash Flow | 55.5 | 44.5 | 71.6 | 56.1 | 40.1 | 55.7 | 63.4 | 71.4 | 140.2 | 234.3 |
| Income Taxes - Paid/(Reimbursed) - Cash Flow | 10.8 | 3.4 | 8.5 | 5.8 | 9.1 | 11.5 | 13.6 | 5.4 | 14.2 | 37.2 |
| Cash Receipts/(Payments) - Net - Cash Flow | (164.5) | (240.2) | (189.3) | (149.5) | (177.4) | (228.4) | (76.3) | (256.3) | (263.2) | (487.8) |
| Cash Receipts/(Payments) - Associates - Cash Flow | (13.9) | (16.2) | (15.6) | (11.8) | (16.0) | (22.8) | (36.7) | (28.3) | — | — |
| Income Taxes - Paid/(Reimbursed) - Cash Flow - Supplemental | 10.8 | 3.4 | 8.5 | 5.8 | 9.1 | 11.5 | 13.6 | 5.4 | 14.2 | 37.2 |
| Interest Paid - Cash Flow - Supplemental | 2.1 | 1.4 | 0.6 | 1.2 | 0.0 | 1.5 | 1.8 | 0.3 | — | — |
| Working Capital - Cash Flow - Direct - Supplemental | (28.0) | (32.6) | 18.2 | (3.3) | (0.2) | 4.4 | 6.4 | 1.3 | 32.0 | (20.1) |
| CF from Optg Activities before Change in WC & Int Payments | (109.5) | (116.9) | (47.4) | (67.4) | (183.0) | (121.8) | (84.0) | (281.2) | (200.3) | (84.1) |
| Depreciation, Depletion & Amortization - Cash Flow | — | — | — | — | — | — | — | 14.9 | 18.3 | 20.2 |
| Free Cash Flow to Equity | (113.2) | (104.7) | (47.8) | (68.7) | (220.5) | (127.2) | (62.9) | (263.2) | (191.3) | (126.8) |
| Free Cash Flow Net of Dividends | (121.0) | (120.2) | (48.9) | (69.7) | (217.3) | (131.1) | (89.1) | (283.0) | (207.2) | (183.9) |
| Free Cash Flow | (121.0) | (120.1) | (48.6) | (69.7) | (217.2) | (128.4) | (88.4) | (283.0) | (207.2) | (147.5) |
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.