Last close · 16 Oct 2026
Rs 10.78 -0.28%
Annual · FY2012 – FY2025
The United Insurance Company (UNIC) cash flow statement
Operating activities generated Rs 199.7 mn of cash in FY2025 (Jan – Dec 2025), down 88.4% on FY2024. Capital expenditure was Rs 69.3 mn. Dividends paid to shareholders came to Rs 20,385. Overall, cash increased by Rs 14.4 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net cash from operating activities | 199.7 | 1,722.3 | 464.9 | 936.9 | 797.7 | 569.6 | 364.3 | 731.2 | 651.9 | 278.3 | 274.1 | 420.9 | 355.9 | 250.8 |
| Capital expenditure | (69.3) | (459.2) | (283.5) | (233.8) | (115.9) | (57.0) | (34.4) | (29.7) | (40.7) | (185.8) | (103.9) | (79.7) | (102.5) | (110.2) |
| Net cash from investing activities | (121.9) | (435.4) | 455.9 | 245.1 | (162.7) | (163.4) | (591.8) | (678.6) | (347.0) | (237.7) | (283.7) | (232.9) | (356.6) | (219.8) |
| Dividends paid | (0.0) | (1,014.8) | (1,183.6) | (1,002.1) | (285.8) | (177.0) | — | 0.0 | (180.3) | — | — | — | — | — |
| Net cash from financing activities | (63.3) | (1,062.9) | (1,226.2) | (1,052.5) | (327.5) | (215.1) | (48.9) | 0.0 | (180.3) | 0.0 | 0.0 | 0.0 | (3.2) | 3.2 |
| Net change in cash | 14.4 | 224.0 | (305.4) | 129.5 | 307.6 | 191.2 | (276.5) | 52.5 | 124.6 | 40.7 | (9.6) | 188.0 | (3.8) | 34.2 |
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net cash from operating activities | -88.4% | +270.4% | -50.4% | +17.4% | +40.0% | +56.4% | -50.2% | +12.2% | +134.2% | +1.5% | -34.9% | +18.3% | +41.9% | — |
| Capital expenditure | -84.9% | +62.0% | +21.2% | +101.8% | +103.3% | +65.5% | +15.8% | -27.0% | -78.1% | +78.9% | +30.4% | -22.3% | -7.0% | — |
| Net cash from investing activities | — | -195.5% | +86.0% | — | — | — | — | — | — | — | — | — | — | — |
| Dividends paid | -100.0% | -14.3% | +18.1% | +250.7% | +61.5% | — | — | -100.0% | — | — | — | — | — | — |
| Net cash from financing activities | — | — | — | — | — | — | — | — | — | — | — | — | -200.0% | — |
| Net change in cash | -93.6% | — | -335.9% | -57.9% | +60.9% | — | -626.3% | -57.8% | +206.3% | — | -105.1% | — | -111.2% | — |
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. Updated 15 Oct 2026.
All reported line items 45
| 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 | 0.2 | 1.7 | 0.5 | 0.9 | 0.8 | 0.6 | 0.4 | 0.7 | 0.7 | 0.3 |
| Capital Expenditures - Net - Cash Flow | (0.0) | 0.4 | 0.2 | 0.2 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.2 |
| Property, Plant & Equipment - Purchased/(Sold) - Net - Cash Flow | (0.0) | 0.4 | 0.2 | 0.2 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.2 |
| Property, Plant & Equipment - Purchased - Cash Flow | 0.1 | 0.5 | 0.3 | 0.2 | 0.1 | 0.1 | 0.0 | 0.0 | 0.0 | 0.2 |
| Property, Plant & Equipment Sold - Cash Flow | 0.1 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Intangible Assets - Purchased/(Sold) - Net - Total - Cash Flow | — | — | — | — | — | — | — | — | — | 0.0 |
| Intangible Assets - Purchased/Acquired - Cash Flow | — | — | — | — | — | — | — | — | — | 0.0 |
| Capital Expenditures - Total | 0.1 | 0.5 | 0.3 | 0.2 | 0.1 | 0.1 | 0.0 | 0.0 | 0.0 | 0.2 |
| Investments excluding Loans - Decrease/(Increase) - Cash Flow | (0.3) | (0.2) | 0.5 | 0.3 | (0.3) | (0.1) | (0.5) | (0.5) | (0.1) | (0.0) |
| Investment Securities - Unclassified - Sold/(Purchased) - Net - Total - Cash Flow | (0.3) | (0.2) | 0.5 | 0.3 | (0.3) | (0.1) | (0.5) | (0.5) | (0.1) | (0.0) |
| Investment Securities - Sold/Matured - Unclassified - Cash Flow | 3.2 | 1.3 | 1.9 | 2.4 | 2.4 | 0.2 | 0.1 | 0.0 | 0.4 | 0.1 |
| Investment Securities - Purchased - Unclassified - Cash Flow | 3.5 | 1.5 | 1.3 | 2.1 | 2.7 | 0.3 | 0.6 | 0.5 | 0.5 | 0.1 |
| Other Investing Cash Flow - Decrease/(Increase) | 0.1 | 0.1 | 0.2 | 0.2 | 0.2 | (0.0) | (0.1) | (0.2) | (0.2) | (0.1) |
| Net Cash Flow from Investing Activities | (0.1) | (0.4) | 0.5 | 0.2 | (0.2) | (0.2) | (0.6) | (0.7) | (0.3) | (0.2) |
| Dividends Paid - Cash - Total - Cash Flow | 0.0 | 1.0 | 1.2 | 1.0 | 0.3 | 0.2 | — | 0.0 | 0.2 | — |
| Dividends - Common - Cash Paid | 0.0 | 1.0 | 1.2 | 1.0 | 0.3 | 0.2 | — | 0.0 | 0.2 | — |
| Debt - Long-Term & Short-Term - Issuance/(Retirement) - Total - Cash Flow | (0.1) | (0.0) | (0.0) | (0.1) | (0.0) | (0.0) | (0.0) | — | — | — |
| Debt - Issued/Reduced - Long-Term - Cash Flow | (0.1) | (0.0) | (0.0) | (0.1) | (0.0) | (0.0) | (0.0) | — | — | — |
| Lease liabilities - Issued/(Reduced) - Cash Flow | (0.1) | (0.0) | (0.0) | (0.1) | (0.0) | (0.0) | (0.0) | — | — | — |
| Debt - Reduced - Long-Term - Cash Flow | 0.1 | 0.0 | 0.0 | 0.1 | 0.0 | 0.0 | 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 | 0.0 | 0.0 | 0.1 | 0.0 | 0.0 | 0.0 | — | — | — |
| Net Cash Flow from Financing Activities | (0.1) | (1.1) | (1.2) | (1.1) | (0.3) | (0.2) | (0.0) | 0.0 | (0.2) | 0.0 |
| Net Change in Cash - Total | 0.0 | 0.2 | (0.3) | 0.1 | 0.3 | 0.2 | (0.3) | 0.1 | 0.1 | 0.0 |
| Net Cash from Continuing Operations | 0.0 | 0.2 | (0.3) | 0.1 | 0.3 | 0.2 | (0.3) | 0.1 | 0.1 | 0.0 |
| Net Cash - Beginning Balance | 0.8 | 0.6 | 0.9 | 0.8 | 0.5 | 0.3 | 0.5 | 0.5 | 0.4 | 0.3 |
| Net Cash - Ending Balance | 0.8 | 0.8 | 0.6 | 0.9 | 0.8 | 0.5 | 0.3 | 0.5 | 0.5 | 0.4 |
| Interest Paid - Cash (Cash Flow - Direct) | 0.1 | 0.0 | 0.0 | 0.1 | 0.0 | 0.0 | 0.0 | 0.1 | 0.1 | 0.1 |
| Cash Receipts - Business Activities - Cash Flow | 10.7 | 13.0 | 11.9 | 8.0 | 7.6 | 6.3 | 6.0 | 5.9 | 5.6 | 4.7 |
| Premiums Received - Cash Flow | 7.3 | 9.1 | 7.9 | 6.0 | 5.6 | 4.4 | 4.5 | 4.5 | 4.1 | 3.8 |
| Reinsurance Recovered - Cash Flow | 2.7 | 3.2 | 3.2 | 1.6 | 1.6 | 1.5 | 1.1 | 1.1 | 1.2 | 0.8 |
| Cash Receipts - Other - Cash Flow | 0.7 | 0.7 | 0.7 | 0.5 | 0.5 | 0.4 | 0.4 | 0.3 | 0.2 | 0.2 |
| Cash Payments - Business Activities - Cash Flow | 10.0 | 10.9 | 10.9 | 6.5 | 6.7 | 5.6 | 5.5 | 5.3 | 4.9 | 4.2 |
| Reinsurance Paid - Cash Flow | 4.2 | 4.3 | 4.9 | 2.7 | 3.1 | 2.3 | 2.0 | 1.7 | 1.5 | 1.3 |
| Claims Paid - Cash Flow | 3.6 | 4.3 | 4.2 | 2.1 | 2.1 | 2.1 | 2.1 | 2.4 | 2.2 | 1.6 |
| Cash Payments - Other - Cash Flow | 2.2 | 2.3 | 1.8 | 1.8 | 1.5 | 1.2 | 1.3 | 1.1 | 1.3 | 1.4 |
| Income Taxes - Paid/(Reimbursed) - Cash Flow | 0.7 | 0.3 | 0.2 | 0.2 | 0.2 | 0.1 | 0.2 | 0.1 | 0.1 | 0.1 |
| Interest & Dividends - Received - Total - Cash Flow - Direct | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | — |
| Cash Receipts/(Payments) - Net - Cash Flow | 0.3 | (0.1) | (0.3) | (0.3) | (0.0) | 0.0 | 0.0 | 0.3 | 0.2 | (0.1) |
| Income Taxes - Paid/(Reimbursed) - Cash Flow - Supplemental | 0.7 | 0.3 | 0.2 | 0.2 | 0.2 | 0.1 | 0.2 | 0.1 | 0.1 | 0.1 |
| Interest Paid - Cash Flow - Supplemental | 0.1 | 0.0 | 0.0 | 0.1 | 0.0 | 0.0 | 0.0 | 0.1 | 0.1 | 0.1 |
| Interest & Dividends - Received - Cash Flow - Supplemental | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | — |
| CF from Optg Activities before Change in WC & Int Payments | 0.3 | 1.7 | 0.5 | 1.0 | 0.8 | 0.6 | 0.4 | 0.8 | 0.7 | 0.3 |
| Free Cash Flow to Equity | 0.1 | 1.3 | 0.2 | 0.7 | 0.7 | 0.5 | 0.3 | 0.7 | 0.6 | 0.1 |
| Free Cash Flow Net of Dividends | 0.1 | 0.2 | (1.0) | (0.3) | 0.4 | 0.3 | 0.3 | 0.7 | 0.4 | 0.1 |
| Free Cash Flow | 0.1 | 1.3 | 0.2 | 0.7 | 0.7 | 0.5 | 0.3 | 0.7 | 0.6 | 0.1 |
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.