Last close · 16 Oct 2026
Rs 24.75 -1.16%
Annual · FY2016 – FY2025
The Pakistan General Insurance Co. Ltd. (PKGI) cash flow statement
Operating activities generated -Rs 14.2 mn of cash in FY2025 (Jan – Dec 2025). Capital expenditure was Rs 19.7 mn. Overall, cash decreased by Rs 6.9 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 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net cash from operating activities | (14.2) | (3.0) | (13.6) | (16.9) | (13.8) | (4.4) | (33.1) | (13.5) | (109.5) | 144.5 |
| Capital expenditure | (19.7) | (0.7) | (29.5) | (0.2) | (4.0) | 0.0 | (13.6) | (1.1) | (5.8) | (232.3) |
| Net cash from investing activities | (9.3) | 33.5 | 2.2 | 9.7 | 18.7 | 0.8 | 16.9 | 119.3 | 17.9 | (145.9) |
| Net cash from financing activities | 16.6 | 0.5 | 11.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | (29.6) |
| Net change in cash | (6.9) | 31.0 | (0.1) | (7.3) | 4.9 | (3.7) | (16.2) | 105.8 | (91.7) | (31.0) |
| 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 from operating activities | — | — | — | — | — | — | — | — | -175.8% | — |
| Capital expenditure | +2,735.4% | -97.6% | +13,020.6% | -94.4% | — | -100.0% | +1,115.4% | -80.7% | -97.5% | — |
| Net cash from investing activities | -127.6% | +1,431.6% | -77.4% | -48.3% | +2,361.9% | -95.5% | -85.8% | +568.2% | — | — |
| Net cash from financing activities | +3,055.7% | -95.4% | — | — | -100.0% | — | — | — | — | — |
| Net change in cash | -122.2% | — | — | -249.0% | — | — | -115.3% | — | — | — |
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 40
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|
| Non-cash Items & Reconciliation Adjustments - Cash Flow | (93.0) | (16.8) | (16.8) | (17.9) | (17.8) | (11.4) | (63.6) | (92.1) | (124.1) | (114.8) |
| Other Non-Cash Items & Reconciliation Adjustments - Cash Flow - to Reconcile | (93.0) | (16.8) | (16.8) | (17.9) | (17.8) | (11.4) | (63.6) | (92.1) | (124.1) | (114.8) |
| Income Taxes - Paid/(Reimbursed) - Cash Flow | 1.1 | 1.2 | 0.7 | 0.9 | 0.6 | 0.1 | 0.4 | 2.6 | 3.7 | 2.8 |
| Interest Paid - Cash | 0.1 | 0.1 | 0.0 | 0.0 | 0.1 | 0.0 | 0.1 | 8.9 | 4.8 | 0.5 |
| Interest & Dividends - Received - Total - Cash Flow | — | 0.0 | 0.0 | 0.0 | 0.0 | — | 0.0 | 0.0 | 0.0 | 0.3 |
| Cash Flow from Operating Activities before Changes in Working Capital | (94.2) | (18.1) | (17.5) | (18.9) | (18.4) | (11.6) | (64.1) | (103.6) | (132.5) | (117.8) |
| Working Capital - Increase/(Decrease) - Cash Flow | 80.0 | 15.1 | 3.9 | 2.0 | 4.6 | 7.1 | 31.0 | 90.1 | 23.0 | 262.3 |
| Other Assets - Decrease/(Increase) - Cash Flow | (40.2) | — | — | — | — | — | — | — | — | — |
| Insurance Receivables Decrease/(Increase) - Cash Flow | 120.2 | 15.1 | 3.9 | 2.0 | 4.6 | 7.1 | 35.8 | 114.1 | 134.9 | 407.2 |
| Insurance Payables including Reinsurance - Increase/(Decrease) - Cash Flow | — | — | — | — | — | — | (4.8) | (24.0) | (111.9) | (144.9) |
| Net Cash Flow from Operating Activities | (14.2) | (3.0) | (13.6) | (16.9) | (13.8) | (4.4) | (33.1) | (13.5) | (109.5) | 144.5 |
| Capital Expenditures - Net - Cash Flow | 18.4 | 0.7 | 29.3 | (12.6) | (5.2) | 0.0 | 13.6 | 1.1 | 5.8 | 232.3 |
| Property, Plant & Equipment - Purchased/(Sold) - Net - Cash Flow | 18.4 | 0.7 | 29.3 | (12.6) | (5.2) | 0.0 | 13.6 | 1.1 | 5.8 | 232.3 |
| Property, Plant & Equipment - Purchased - Cash Flow | 19.7 | 0.7 | 29.5 | 0.2 | 4.0 | 0.0 | 13.6 | 1.1 | 5.8 | 232.3 |
| Property, Plant & Equipment Sold - Cash Flow | 1.4 | 0.0 | 0.2 | 12.8 | 9.2 | — | — | — | — | — |
| Capital Expenditures - Total | 19.7 | 0.7 | 29.5 | 0.2 | 4.0 | 0.0 | 13.6 | 1.1 | 5.8 | 232.3 |
| Investments excluding Loans - Decrease/(Increase) - Cash Flow | 4.8 | (5.2) | 29.9 | (5.5) | 11.6 | 0.0 | 29.0 | 118.9 | 21.8 | 83.6 |
| Investment Property excluded from Capital Expenditures - Sold/(Purchased) - Net - Cash Flow | — | 0.0 | 30.0 | 0.0 | 4.0 | 0.0 | 39.7 | 5.4 | 1.7 | (56.1) |
| Investment Securities - Unclassified - Sold/(Purchased) - Net - Total - Cash Flow | 4.8 | (5.2) | (0.1) | (5.5) | 7.6 | 0.0 | (10.7) | 113.6 | 20.1 | 139.7 |
| Investment Securities - Sold/Matured - Unclassified - Cash Flow | 4.8 | — | — | — | 7.6 | 0.0 | 12.1 | 118.6 | 84.9 | 185.4 |
| Investment Securities - Purchased - Unclassified - Cash Flow | — | 5.2 | 0.1 | 5.5 | 0.0 | — | 22.7 | 5.0 | 64.8 | 45.7 |
| Other Investing Cash Flow - Decrease/(Increase) | 4.3 | 39.4 | 1.6 | 2.6 | 2.0 | 0.8 | 1.4 | 1.5 | 1.9 | 2.9 |
| Net Cash Flow from Investing Activities | (9.3) | 33.5 | 2.2 | 9.7 | 18.7 | 0.8 | 16.9 | 119.3 | 17.9 | (145.9) |
| Debt - Long-Term & Short-Term - Issuance/(Retirement) - Total - Cash Flow | 16.6 | 0.5 | 11.3 | — | — | 0.0 | — | — | — | — |
| Debt - Issued/(Reduced) - Long-Term & Short-Term - Cash Flow | 16.6 | 0.5 | 11.3 | — | — | 0.0 | — | — | — | — |
| Debt - Issued - Long-Term & Short-Term - Cash Flow | 16.6 | 0.5 | 11.3 | — | — | 0.0 | — | — | — | — |
| Other Financing Cash Flow - Increase/(Decrease) | — | — | — | — | — | — | — | — | 0.0 | (29.6) |
| Net Cash Flow from Financing Activities | 16.6 | 0.5 | 11.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | (29.6) |
| Non-Classified Cash Flows | — | — | — | — | — | — | — | 0.0 | — | — |
| Net Change in Cash - Total | (6.9) | 31.0 | (0.1) | (7.3) | 4.9 | (3.7) | (16.2) | 105.8 | (91.7) | (31.0) |
| Net Cash from Continuing Operations | (6.9) | 31.0 | (0.1) | (7.3) | 4.9 | (3.7) | (16.2) | 105.8 | (91.7) | (31.0) |
| Net Cash - Beginning Balance | 31.5 | 0.5 | 0.5 | 7.8 | 2.9 | 6.4 | 22.6 | (83.2) | 8.4 | 39.4 |
| Net Cash - Ending Balance | 24.6 | 31.5 | 0.5 | 0.5 | 7.8 | 2.7 | 6.4 | 22.6 | (83.2) | 8.4 |
| Income Taxes - Paid/(Reimbursed) - Cash Flow - Supplemental | 1.1 | 1.2 | 0.7 | 0.9 | 0.6 | 0.1 | 0.4 | 2.6 | 3.7 | 2.8 |
| Interest Paid - Cash Flow - Supplemental | 0.1 | 0.1 | 0.0 | 0.0 | 0.1 | 0.0 | 0.1 | 8.9 | 4.8 | 0.5 |
| Interest & Dividends - Received - Cash Flow - Supplemental | — | 0.0 | 0.0 | 0.0 | 0.0 | — | 0.0 | 0.0 | 0.0 | 0.3 |
| CF from Optg Activities before Change in WC & Int Payments | (94.1) | (18.0) | (17.4) | (18.9) | (18.4) | (11.5) | (64.0) | (94.7) | (127.7) | (117.3) |
| Free Cash Flow to Equity | (16.0) | (3.2) | (31.6) | (4.3) | (8.7) | (4.4) | (46.6) | (14.6) | (115.3) | (87.9) |
| Free Cash Flow Net of Dividends | (34.0) | (3.7) | (43.1) | (17.2) | (17.9) | (4.4) | (46.6) | (14.6) | (115.3) | (87.9) |
| Free Cash Flow | (34.0) | (3.7) | (43.1) | (17.2) | (17.9) | (4.4) | (46.6) | (14.6) | (115.3) | (87.9) |
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.