RICL Reliance Insurance Company Limited
Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026
Last close · 16 Oct 2026
Rs 11.51 -1.79%
Quarterly · Q3 FY2021 – Q2 FY2026
Reliance Insurance Company Limited (RICL) quarterly cash flow statement
Operating activities generated Rs 86.7 mn of cash in Q2 FY2026 (Apr – Jun 2026). Capital expenditure was Rs 26.5 mn. Dividends paid to shareholders came to Rs 20,437. Overall, cash increased by Rs 63.3 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 | 36.1 | 86.7 | (42.5) | 8.7 | (16.7) | (25.1) | (23.0) | 103.5 | (49.0) | (53.5) | 6.6 | 55.0 | (22.8) | (26.8) | 53.2 | 36.5 | 27.6 | (31.3) | 10.5 | 36.5 | (4.9) |
| Capital expenditure | (65.9) | (26.5) | (8.6) | (17.6) | (13.1) | (5.5) | (31.5) | (8.6) | (3.3) | (20.5) | (3.6) | (6.3) | (3.3) | (8.6) | (17.8) | (2.6) | — | (0.5) | (13.5) | (7.5) | (5.6) |
| Net cash from investing activities | 53.1 | (23.4) | 33.7 | 8.7 | 34.1 | 43.6 | 17.0 | (129.8) | 75.3 | 109.1 | (4.3) | (54.6) | 19.9 | 32.7 | (19.3) | (46.5) | 7.9 | 46.1 | (13.7) | (49.6) | 7.2 |
| Dividends paid | (0.8) | (0.0) | 0.0 | (0.0) | (0.8) | 0.0 | 0.0 | (0.0) | — | (66.5) | 0.0 | (0.1) | — | (31.7) | 0.0 | (0.0) | — | (30.2) | 0.0 | — | — |
| Net cash from financing activities | (0.8) | (0.0) | 0.0 | (0.0) | (0.8) | 0.0 | 0.0 | (0.0) | 2.3 | (66.5) | 0.0 | (0.1) | 1.2 | (31.7) | 0.0 | (0.0) | 1.2 | (30.2) | 0.0 | — | — |
| Net change in cash | 83.3 | 63.3 | (8.8) | 17.4 | 11.5 | 13.3 | (6.0) | (26.3) | 28.6 | (10.9) | 2.3 | 0.4 | (1.7) | (25.8) | 33.9 | (9.9) | 36.7 | (15.4) | (3.2) | (13.1) | 2.3 |
| 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 | — | — | -91.6% | — | — | -449.2% | +88.2% | — | — | -87.6% | +50.5% | -182.6% | — | +408.7% | +0.1% | — | — | — | +90.0% | — |
| Capital expenditure | +382.3% | -72.6% | +104.3% | +300.8% | -73.2% | +777.4% | +37.5% | -1.3% | +138.9% | -79.8% | +138.8% | — | +1,787.8% | +31.6% | -64.9% | — | -91.2% | +280.7% | +5,766.6% | +2,291.4% |
| Net cash from investing activities | -153.6% | +98.2% | — | -54.8% | -60.0% | — | — | +279.2% | +233.9% | — | — | +152.5% | -29.1% | — | — | +9.3% | +229.1% | — | — | -50.0% |
| Dividends paid | — | — | +560.7% | — | -100.0% | — | -94.7% | — | +110.0% | — | +5,118,300.0% | — | +5.0% | — | — | — | — | — | — | — |
| Net cash from financing activities | — | — | — | -133.4% | — | — | — | +99.0% | — | — | — | -6.6% | — | — | — | — | — | — | — | — |
| Net change in cash | +376.8% | — | — | -59.7% | — | -362.3% | -7,161.9% | — | — | -93.3% | — | -104.7% | — | — | — | +1,518.8% | -302.2% | — | — | — |
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 39
| 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 | (93.8) | (116.3) | (149.1) | (110.9) | (94.8) | (93.6) | (139.0) | (75.1) | (82.3) | (79.7) | (100.9) | (81.4) |
| Other Non-Cash Items & Reconciliation Adjustments - Cash Flow - to Reconcile | (93.8) | (116.3) | (149.1) | (115.9) | (100.0) | (93.6) | (139.0) | (75.1) | (82.3) | (79.7) | (100.9) | (81.4) |
| Depreciation, Depletion & Amortization including Impairment - Cash Flow - to Reconcile | — | — | — | 5.0 | 5.2 | — | — | — | — | — | — | — |
| Depreciation & Depletion - Property, Plant & Equipment - Cash Flow - to Reconcile | — | — | — | 5.0 | 5.2 | — | — | — | — | — | — | — |
| Income Taxes - Paid/(Reimbursed) - Cash Flow | 3.5 | 7.8 | 3.1 | 7.7 | 7.5 | 3.9 | 8.9 | 11.9 | 10.7 | 5.9 | 2.4 | 10.1 |
| Interest & Dividends - Received - Total - Cash Flow | 27.8 | 17.5 | 21.5 | 17.6 | 50.0 | 6.9 | 116.0 | — | — | 14.9 | 108.0 | — |
| Cash Flow from Operating Activities before Changes in Working Capital | (69.6) | (106.6) | (130.7) | (101.0) | (52.3) | (90.6) | (31.9) | (87.1) | (93.0) | (70.7) | 4.7 | (91.5) |
| Working Capital - Increase/(Decrease) - Cash Flow | 156.3 | 64.0 | 139.4 | 84.3 | 27.2 | 67.6 | 135.4 | 38.1 | 39.4 | 77.3 | 50.3 | 68.7 |
| Other Assets - Decrease/(Increase) - Cash Flow | 0.5 | (0.5) | — | — | 0.9 | (0.9) | — | — | 8.9 | (8.9) | — | — |
| Accounts Payable and Accrued Expenses - Increase/(Decrease) - Cash Flow | 30.6 | (30.6) | — | — | (4.0) | 4.0 | — | — | 13.8 | (13.8) | — | — |
| Insurance Receivables Decrease/(Increase) - Cash Flow | 299.6 | 242.5 | 489.4 | 413.8 | 363.3 | 257.0 | 442.1 | 332.1 | 215.7 | 277.6 | 361.7 | 319.1 |
| Insurance Payables including Reinsurance - Increase/(Decrease) - Cash Flow | (174.5) | (147.4) | (350.1) | (329.5) | (333.0) | (192.5) | (306.7) | (294.0) | (198.9) | (177.7) | (311.4) | (250.4) |
| Net Cash Flow from Operating Activities | 86.7 | (42.5) | 8.7 | (16.7) | (25.1) | (23.0) | 103.5 | (49.0) | (53.5) | 6.6 | 55.0 | (22.8) |
| Capital Expenditures - Net - Cash Flow | 25.1 | 6.6 | 11.0 | 13.1 | 3.3 | 25.8 | 6.1 | 3.3 | 20.5 | (2.1) | 2.2 | 2.1 |
| Property, Plant & Equipment - Purchased/(Sold) - Net - Cash Flow | 25.1 | 6.6 | 11.0 | 13.1 | 3.3 | 25.8 | 6.1 | 3.3 | 20.5 | (2.1) | 2.2 | 2.1 |
| Property, Plant & Equipment - Purchased - Cash Flow | 26.5 | 8.6 | 17.6 | 13.1 | 5.5 | 31.5 | 8.6 | 3.3 | 20.5 | 3.6 | 6.3 | 3.3 |
| Property, Plant & Equipment Sold - Cash Flow | 1.4 | 2.1 | 6.6 | 0.0 | 2.2 | 5.7 | 2.5 | 0.0 | 0.0 | 5.7 | 4.1 | 1.2 |
| Capital Expenditures - Total | 26.5 | 8.6 | 17.6 | 13.1 | 5.5 | 31.5 | 8.6 | 3.3 | 20.5 | 3.6 | 6.3 | 3.3 |
| Investments excluding Loans - Decrease/(Increase) - Cash Flow | 4.0 | 38.0 | 0.6 | 47.2 | 50.3 | 39.4 | (46.3) | 52.7 | 68.0 | (11.6) | 3.8 | (1.4) |
| Investment Securities - Unclassified - Sold/(Purchased) - Net - Total - Cash Flow | 4.0 | 38.0 | 0.6 | 47.2 | 50.3 | 39.4 | (46.3) | 52.7 | 68.0 | (11.6) | 3.8 | (1.4) |
| Investment Securities - Sold/Matured - Unclassified - Cash Flow | 334.5 | 455.3 | 656.3 | 252.2 | 179.3 | 190.9 | 101.6 | 187.6 | 209.3 | 14.5 | 85.4 | 24.7 |
| Investment Securities - Purchased - Unclassified - Cash Flow | 330.5 | 417.3 | 655.7 | 205.1 | 129.0 | 151.5 | 147.9 | 134.9 | 141.3 | 26.2 | 81.6 | 26.1 |
| Other Investing Cash Flow - Decrease/(Increase) | (2.2) | 2.2 | 19.2 | — | (3.4) | 3.4 | (77.4) | 25.9 | 61.7 | 5.2 | (56.2) | 23.4 |
| Net Cash Flow from Investing Activities | (23.4) | 33.7 | 8.7 | 34.1 | 43.6 | 17.0 | (129.8) | 75.3 | 109.1 | (4.3) | (54.6) | 19.9 |
| Dividends Paid - Cash - Total - Cash Flow | 0.0 | 0.0 | 0.0 | 0.8 | 0.0 | 0.0 | 0.0 | — | 66.5 | 0.0 | 0.1 | — |
| Dividends - Common - Cash Paid | 0.0 | 0.0 | 0.0 | 0.8 | 0.0 | 0.0 | 0.0 | — | 66.5 | 0.0 | 0.1 | — |
| Other Financing Cash Flow - Increase/(Decrease) | — | — | — | — | — | 0.0 | — | 2.3 | — | 0.0 | — | 1.2 |
| Net Cash Flow from Financing Activities | (0.0) | 0.0 | (0.0) | (0.8) | 0.0 | 0.0 | (0.0) | 2.3 | (66.5) | 0.0 | (0.1) | 1.2 |
| Net Change in Cash - Total | 63.3 | (8.8) | 17.4 | 11.5 | 13.3 | (6.0) | (26.3) | 28.6 | (10.9) | 2.3 | 0.4 | (1.7) |
| Net Cash from Continuing Operations | 63.3 | (8.8) | 17.4 | 16.6 | 18.5 | (6.0) | (26.3) | 28.6 | (10.9) | 2.3 | 0.4 | (1.7) |
| Net Cash - Beginning Balance | 129.6 | 138.4 | 121.0 | 109.5 | 96.2 | 102.2 | 128.5 | 99.9 | 110.8 | 108.6 | 108.2 | 109.9 |
| Net Cash - Ending Balance | 192.8 | 129.6 | 138.4 | 121.0 | 109.5 | 96.2 | 102.2 | 128.5 | 99.9 | 110.8 | 108.6 | 108.2 |
| Income Taxes - Paid/(Reimbursed) - Cash Flow - Supplemental | 3.5 | 7.8 | 3.1 | 7.7 | 7.5 | 3.9 | 8.9 | 11.9 | 10.7 | 5.9 | 2.4 | 10.1 |
| Interest & Dividends - Received - Cash Flow - Supplemental | 27.8 | 17.5 | 21.5 | 17.6 | 50.0 | 6.9 | 116.0 | — | — | 14.9 | 108.0 | — |
| CF from Optg Activities before Change in WC & Int Payments | (69.6) | (106.6) | (130.7) | (101.0) | (52.3) | (90.6) | (31.9) | (87.1) | (93.0) | (70.7) | 4.7 | (91.5) |
| Depreciation, Depletion & Amortization - Cash Flow | — | — | — | 5.0 | 5.2 | — | — | — | — | — | — | — |
| Free Cash Flow to Equity | 61.6 | (49.1) | (2.3) | (29.8) | (28.4) | (48.8) | 97.4 | (52.3) | (74.1) | 8.7 | 52.8 | (24.9) |
| Free Cash Flow Net of Dividends | 60.1 | (51.2) | (9.0) | (30.6) | (30.6) | (54.5) | 94.9 | (52.3) | (140.6) | 3.0 | 48.7 | (26.1) |
| Free Cash Flow | 60.2 | (51.2) | (8.9) | (29.8) | (30.6) | (54.5) | 94.9 | (52.3) | (74.1) | 3.0 | 48.7 | (26.1) |
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.