UNIC The United Insurance Company
Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026
Last close · 16 Oct 2026
Rs 10.78 -0.28%
Quarterly · Q3 FY2021 – Q2 FY2026
The United Insurance Company (UNIC) quarterly cash flow statement
Operating activities generated Rs 1.3 bn of cash in Q2 FY2026 (Apr – Jun 2026), up 551.4% on Q2 FY2025. Capital expenditure was Rs 38.4 mn. Dividends paid to shareholders came to Rs 118,290. Overall, cash increased by Rs 1.3 bn.
| 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 | 1,633.8 | 1,315.7 | (64.0) | 593.3 | (211.3) | 202.0 | (384.3) | (54.0) | 1,477.6 | 159.6 | 139.1 | 323.5 | 3.1 | 444.7 | (306.4) | 407.5 | 300.5 | 162.7 | 66.1 | 392.2 | 67.5 |
| Capital expenditure | — | (38.4) | (16.1) | — | (57.0) | — | (137.6) | — | (440.0) | (100.1) | (144.0) | — | (84.4) | (219.3) | (53.4) | (81.8) | (68.4) | (63.4) | (20.2) | (33.7) | (54.6) |
| Net cash from investing activities | (310.3) | (22.2) | 45.8 | (834.7) | 500.8 | 292.1 | (80.1) | 497.4 | (902.8) | 145.1 | (175.1) | (289.7) | 351.2 | 400.4 | (6.1) | 86.0 | 221.7 | 165.2 | (227.8) | (394.4) | 346.7 |
| Dividends paid | (0.1) | (0.1) | 0.0 | 0.0 | 0.0 | 0.0 | (0.0) | (0.5) | (675.9) | (338.4) | 0.0 | (507.2) | 0.0 | (676.2) | (0.2) | (285.8) | (430.3) | (286.0) | (0.0) | — | (285.9) |
| Net cash from financing activities | (68.2) | (22.9) | (15.4) | (15.8) | (14.1) | (13.4) | (20.0) | (23.7) | (686.7) | (337.2) | (15.3) | (438.9) | (32.0) | (736.4) | (18.9) | (294.8) | (444.7) | (301.5) | (11.5) | (9.1) | (296.4) |
| Net change in cash | 1,255.3 | 1,270.6 | (33.5) | (257.1) | 275.4 | 480.7 | (484.5) | 419.8 | (111.9) | (32.4) | (51.3) | (405.1) | 322.3 | 108.7 | (331.4) | 198.7 | 77.5 | 26.4 | (173.2) | (11.3) | 117.8 |
| 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 | +551.4% | — | — | -114.3% | +26.5% | -376.4% | -116.7% | +47,345.3% | -64.1% | — | -20.6% | -99.0% | +173.3% | -563.4% | +3.9% | +345.3% | -50.9% | +903.7% | — | -86.6% |
| Capital expenditure | — | -88.3% | — | -87.0% | — | -4.5% | — | +421.6% | -54.3% | +169.7% | — | +23.3% | +246.0% | +163.9% | +143.1% | +25.3% | +337.6% | +54.3% | — | +15.4% |
| Net cash from investing activities | -107.6% | — | -267.8% | — | +101.3% | — | — | -357.1% | -63.8% | — | -436.7% | +58.4% | +142.3% | — | — | -36.1% | — | — | -304.8% | — |
| Dividends paid | — | -100.0% | -100.0% | -100.0% | -100.0% | — | -99.9% | — | -50.0% | -100.0% | +77.5% | -100.0% | +136.4% | +439.7% | — | +50.5% | — | — | — | — |
| Net cash from financing activities | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | -1,034.1% |
| Net change in cash | +164.3% | — | -161.3% | — | — | — | — | -134.7% | -129.8% | — | -303.8% | +316.1% | +311.6% | — | — | -34.2% | -91.6% | — | — | -64.0% |
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. Updated 17 Oct 2026.
All reported line items 47
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Cash Flow from Operating Activities | 1,315.7 | (64.0) | 593.3 | (211.3) | 202.0 | (384.3) | (54.0) | 1,477.6 | 159.6 | 139.1 | 323.5 | 3.1 |
| Capital Expenditures - Net - Cash Flow | 23.6 | 3.9 | (106.7) | 30.4 | (61.5) | 125.4 | (248.6) | 427.4 | 70.5 | 128.2 | (81.1) | 67.6 |
| Property, Plant & Equipment - Purchased/(Sold) - Net - Cash Flow | 23.6 | 3.9 | (106.7) | 30.4 | (61.5) | 125.4 | (248.6) | 427.4 | 70.5 | 128.2 | (81.1) | 67.6 |
| Property, Plant & Equipment - Purchased - Cash Flow | 38.4 | 16.1 | — | 57.0 | — | 137.6 | — | 440.0 | 100.1 | 144.0 | — | 84.4 |
| Property, Plant & Equipment Sold - Cash Flow | 14.8 | 12.2 | 106.7 | 26.6 | 61.5 | 12.2 | 248.6 | 12.6 | 29.6 | 15.8 | 81.1 | 16.7 |
| Capital Expenditures - Total | 38.4 | 16.1 | — | 57.0 | — | 137.6 | — | 440.0 | 100.1 | 144.0 | — | 84.4 |
| Investments excluding Loans - Decrease/(Increase) - Cash Flow | 0.7 | 49.0 | (942.1) | 530.4 | 95.1 | 44.6 | 158.2 | (486.1) | 185.0 | (47.5) | (458.1) | 422.9 |
| Investment Securities - Unclassified - Sold/(Purchased) - Net - Total - Cash Flow | 0.7 | 49.0 | (942.1) | 530.4 | 95.1 | 44.6 | 158.2 | (486.1) | 185.0 | (47.5) | (458.1) | 422.9 |
| Investment Securities - Sold/Matured - Unclassified - Cash Flow | 511.7 | 1,271.7 | 731.3 | 1,384.5 | 313.2 | 796.6 | 336.4 | 348.5 | 284.2 | 315.0 | 133.4 | 422.9 |
| Investment Securities - Purchased - Unclassified - Cash Flow | 511.0 | 1,222.7 | 1,673.4 | 854.1 | 218.2 | 752.0 | 178.2 | 834.5 | 99.2 | 362.5 | 591.5 | — |
| Other Investing Cash Flow - Decrease/(Increase) | 0.8 | 0.8 | 0.7 | 0.8 | 135.5 | 0.7 | 90.6 | 10.6 | 30.6 | 0.6 | 87.3 | (4.1) |
| Net Cash Flow from Investing Activities | (22.2) | 45.8 | (834.7) | 500.8 | 292.1 | (80.1) | 497.4 | (902.8) | 145.1 | (175.1) | (289.7) | 351.2 |
| Dividends Paid - Cash - Total - Cash Flow | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.5 | 675.9 | 338.4 | 0.0 | 507.2 | 0.0 |
| Dividends - Common - Cash Paid | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.5 | 675.9 | 338.4 | 0.0 | 507.2 | 0.0 |
| Debt - Long-Term & Short-Term - Issuance/(Retirement) - Total - Cash Flow | (22.8) | (15.4) | (15.8) | (14.1) | (13.4) | (20.0) | (23.1) | (10.8) | 1.2 | (15.3) | — | (32.0) |
| Debt - Issued/Reduced - Long-Term - Cash Flow | (22.8) | (15.4) | (15.8) | (14.1) | (13.4) | (20.0) | (23.1) | (10.8) | 1.2 | (15.3) | — | (32.0) |
| Lease liabilities - Issued/(Reduced) - Cash Flow | (22.8) | (15.4) | (15.8) | (14.1) | (13.4) | (20.0) | (23.1) | (10.8) | 1.2 | (15.3) | — | (32.0) |
| Debt - Issued - Long-Term - Cash Flow | — | — | — | — | — | — | — | — | 1.2 | — | — | — |
| Lease liabilities - Issued - Cash flow | — | — | — | — | — | — | — | — | 1.2 | — | — | — |
| Debt - Reduced - Long-Term - Cash Flow | 22.8 | 15.4 | 15.8 | 14.1 | 13.4 | 20.0 | 23.1 | 10.8 | — | 15.3 | — | 32.0 |
| 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 | 22.8 | 15.4 | 15.8 | 14.1 | 13.4 | 20.0 | 23.1 | 10.8 | — | 15.3 | — | 32.0 |
| Other Financing Cash Flow - Increase/(Decrease) | — | — | — | — | — | — | — | — | — | — | 68.3 | — |
| Net Cash Flow from Financing Activities | (22.9) | (15.4) | (15.8) | (14.1) | (13.4) | (20.0) | (23.7) | (686.7) | (337.2) | (15.3) | (438.9) | (32.0) |
| Net Change in Cash - Total | 1,270.6 | (33.5) | (257.1) | 275.4 | 480.7 | (484.5) | 419.8 | (111.9) | (32.4) | (51.3) | (405.1) | 322.3 |
| Net Cash from Continuing Operations | 1,270.6 | (33.5) | (257.1) | 275.4 | 480.7 | (484.5) | 419.8 | (111.9) | (32.4) | (51.3) | (405.1) | 322.3 |
| Net Cash - Beginning Balance | 793.9 | 827.4 | 1,084.6 | 809.2 | 328.5 | 813.0 | 393.2 | 505.2 | 537.6 | 588.9 | 994.0 | 671.7 |
| Net Cash - Ending Balance | 2,064.5 | 793.9 | 827.4 | 1,084.6 | 809.2 | 328.5 | 813.0 | 393.2 | 505.2 | 537.6 | 588.9 | 994.0 |
| Interest Paid - Cash (Cash Flow - Direct) | 3.3 | 3.7 | 55.0 | 4.8 | 4.8 | 4.7 | 10.3 | 2.8 | 1.5 | 0.9 | 6.9 | 2.4 |
| Cash Receipts - Business Activities - Cash Flow | 3,286.5 | 1,274.4 | 3,045.2 | 2,633.7 | 2,710.8 | 2,320.0 | 4,499.8 | 3,053.3 | 3,202.7 | 2,287.1 | 3,502.2 | 3,146.4 |
| Premiums Received - Cash Flow | 2,345.0 | 688.6 | 1,426.0 | 1,928.1 | 2,118.4 | 1,857.1 | 3,042.0 | 2,339.7 | 1,915.1 | 1,825.6 | 2,111.8 | 2,147.4 |
| Reinsurance Recovered - Cash Flow | 828.3 | 490.3 | 1,309.9 | 661.7 | 381.6 | 369.5 | 1,268.9 | 510.5 | 1,050.7 | 355.4 | 1,162.5 | 789.6 |
| Cash Receipts - Other - Cash Flow | 113.2 | 95.5 | 304.6 | 43.0 | 210.7 | 93.4 | 188.9 | 203.1 | 237.0 | 106.1 | 227.9 | 209.4 |
| Cash Payments - Business Activities - Cash Flow | 2,626.9 | 1,524.2 | 4,377.8 | 1,888.5 | 1,979.8 | 1,736.9 | 3,808.9 | 2,558.2 | 2,914.1 | 1,629.7 | 3,376.7 | 2,979.8 |
| Reinsurance Paid - Cash Flow | 835.9 | 424.6 | 1,909.2 | 615.6 | 914.9 | 780.3 | 1,510.0 | 905.3 | 1,383.2 | 481.3 | 1,612.8 | 1,222.5 |
| Claims Paid - Cash Flow | 1,134.4 | 651.6 | 1,627.1 | 995.2 | 492.4 | 481.9 | 1,606.0 | 1,112.1 | 1,013.3 | 614.7 | 1,281.2 | 1,307.6 |
| Cash Payments - Other - Cash Flow | 656.6 | 448.1 | 841.5 | 277.7 | 572.6 | 474.6 | 692.9 | 540.8 | 517.7 | 533.8 | 482.7 | 449.7 |
| Income Taxes - Paid/(Reimbursed) - Cash Flow | 144.3 | 328.3 | 483.2 | 173.1 | 45.2 | 36.0 | 197.7 | (15.4) | 78.8 | 39.8 | (1.2) | 83.8 |
| Interest & Dividends - Received - Total - Cash Flow - Direct | 0.1 | 0.0 | 1.4 | 0.8 | 0.1 | 0.1 | 0.6 | 0.6 | 0.0 | 0.6 | 1.5 | 0.8 |
| Cash Receipts/(Payments) - Net - Cash Flow | 803.6 | 517.8 | 2,462.7 | (779.4) | (479.1) | (926.8) | (537.5) | 969.3 | (48.7) | (478.2) | 202.3 | (78.0) |
| Income Taxes - Paid/(Reimbursed) - Cash Flow - Supplemental | 144.3 | 328.3 | 483.2 | 173.1 | 45.2 | 36.0 | 197.7 | (15.4) | 78.8 | 39.8 | (1.2) | 83.8 |
| Interest Paid - Cash Flow - Supplemental | 3.3 | 3.7 | 55.0 | 4.8 | 4.8 | 4.7 | 10.3 | 2.8 | 1.5 | 0.9 | 6.9 | 2.4 |
| Interest & Dividends - Received - Cash Flow - Supplemental | 0.1 | 0.0 | 1.4 | 0.8 | 0.1 | 0.1 | 0.6 | 0.6 | 0.0 | 0.6 | 1.5 | 0.8 |
| CF from Optg Activities before Change in WC & Int Payments | 1,319.1 | (60.3) | 648.4 | (206.5) | 206.8 | (379.6) | (43.7) | 1,480.4 | 161.2 | 139.9 | 330.5 | 5.6 |
| Depreciation, Depletion & Amortization - Cash Flow | 67.7 | 66.7 | — | — | — | — | — | — | — | — | — | — |
| Free Cash Flow to Equity | 1,269.3 | (83.3) | 684.3 | (255.8) | 250.1 | (529.7) | 171.4 | 1,039.4 | 90.3 | (4.5) | 404.6 | (96.6) |
| Free Cash Flow Net of Dividends | 1,277.2 | (80.1) | 593.3 | (268.3) | 202.0 | (521.9) | — | 361.7 | (278.9) | (5.0) | (183.6) | (81.2) |
| Free Cash Flow | 1,277.3 | (80.1) | 593.3 | (268.3) | 202.0 | (521.9) | — | 1,037.6 | 59.5 | (5.0) | 323.5 | (81.2) |
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.