Last close · 16 Oct 2026
Rs 11.70 -0.17%
Annual · FY2016 – FY2025
Reliance Insurance Company Limited (RICL) cash flow statement
Operating activities generated -Rs 66.4 mn of cash in FY2025 (Jan – Dec 2025). Capital expenditure was Rs 67.7 mn. Dividends paid to shareholders came to Rs 792,037. Overall, cash increased by Rs 36.2 mn.
| Rs mn | FY2025 Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 Jan – Dec 2021 |
|---|---|---|---|---|---|
| Net cash from operating activities | (66.4) | (7.3) | 45.6 | 26.3 | 5.8 |
| Capital expenditure | (67.7) | (36.0) | (35.9) | (14.3) | (21.8) |
| Net cash from investing activities | 103.4 | 65.2 | (8.3) | 10.7 | (23.4) |
| Dividends paid | (0.8) | (64.2) | (30.6) | (28.9) | — |
| Net cash from financing activities | (0.8) | (64.2) | (30.6) | (28.9) | 0.0 |
| Net change in cash | 36.2 | (6.3) | 6.7 | 8.1 | (17.6) |
| Rs mn | FY2025 Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 Jan – Dec 2021 |
|---|---|---|---|---|---|
| Net cash from operating activities | — | -116.0% | +73.2% | +354.4% | — |
| Capital expenditure | +88.0% | +0.2% | +152.0% | -34.6% | +3,447.3% |
| Net cash from investing activities | +58.7% | — | -177.8% | — | — |
| Dividends paid | -98.8% | +110.1% | +5.7% | — | — |
| Net cash from financing activities | — | — | — | — | — |
| Net change in cash | — | -194.2% | -16.9% | — | — |
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 36
| Rs mn | FY2025 Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 Jan – Dec 2021 |
|---|---|---|---|---|---|
| Non-cash Items & Reconciliation Adjustments - Cash Flow | (458.7) | (376.1) | (318.5) | (256.8) | (255.0) |
| Other Non-Cash Items & Reconciliation Adjustments - Cash Flow - to Reconcile | (458.7) | (376.1) | (318.5) | (256.8) | (255.0) |
| Income Taxes - Paid/(Reimbursed) - Cash Flow | 22.2 | 37.4 | 23.2 | 19.0 | 17.2 |
| Interest & Dividends - Received - Total - Cash Flow | 96.1 | 116.0 | 108.0 | 81.9 | 60.1 |
| Cash Flow from Operating Activities before Changes in Working Capital | (384.9) | (297.5) | (233.6) | (193.9) | (212.1) |
| Working Capital - Increase/(Decrease) - Cash Flow | 318.4 | 290.2 | 279.3 | 220.2 | 217.9 |
| Other Assets - Decrease/(Increase) - Cash Flow | — | — | — | — | — |
| Accounts Payable and Accrued Expenses - Increase/(Decrease) - Cash Flow | — | — | — | — | — |
| Insurance Receivables Decrease/(Increase) - Cash Flow | 1,523.5 | 1,267.5 | 1,152.7 | 891.4 | 780.6 |
| Insurance Payables including Reinsurance - Increase/(Decrease) - Cash Flow | (1,205.1) | (977.4) | (873.4) | (671.2) | (562.7) |
| Net Cash Flow from Operating Activities | (66.4) | (7.3) | 45.6 | 26.3 | 5.8 |
| Capital Expenditures - Net - Cash Flow | 53.2 | 27.8 | 21.9 | 11.0 | 10.5 |
| Property, Plant & Equipment - Purchased/(Sold) - Net - Cash Flow | 53.2 | 27.8 | 21.9 | 11.0 | 10.5 |
| Property, Plant & Equipment - Purchased - Cash Flow | 67.7 | 36.0 | 35.9 | 14.3 | 21.8 |
| Property, Plant & Equipment Sold - Cash Flow | 14.5 | 8.2 | 14.1 | 3.2 | 11.3 |
| Capital Expenditures - Total | 67.7 | 36.0 | 35.9 | 14.3 | 21.8 |
| Investments excluding Loans - Decrease/(Increase) - Cash Flow | 137.4 | 62.8 | (15.1) | 3.4 | (24.7) |
| Investment Securities - Unclassified - Sold/(Purchased) - Net - Total - Cash Flow | 137.4 | 62.8 | (15.1) | 3.4 | (24.7) |
| Investment Securities - Sold/Matured - Unclassified - Cash Flow | 1,278.6 | 513.0 | 153.9 | 205.2 | 168.8 |
| Investment Securities - Purchased - Unclassified - Cash Flow | 1,141.2 | 450.2 | 169.0 | 201.8 | 193.5 |
| Other Investing Cash Flow - Decrease/(Increase) | 19.2 | 30.2 | 28.6 | 18.4 | 11.8 |
| Net Cash Flow from Investing Activities | 103.4 | 65.2 | (8.3) | 10.7 | (23.4) |
| Dividends Paid - Cash - Total - Cash Flow | 0.8 | 64.2 | 30.6 | 28.9 | — |
| Dividends - Common - Cash Paid | 0.8 | 64.2 | 30.6 | 28.9 | — |
| Other Financing Cash Flow - Increase/(Decrease) | — | — | — | — | 0.0 |
| Net Cash Flow from Financing Activities | (0.8) | (64.2) | (30.6) | (28.9) | 0.0 |
| Net Change in Cash - Total | 36.2 | (6.3) | 6.7 | 8.1 | (17.6) |
| Net Cash from Continuing Operations | 36.2 | (6.3) | 6.7 | 8.1 | (17.6) |
| Net Cash - Beginning Balance | 102.2 | 108.6 | 101.8 | 93.7 | 111.3 |
| Net Cash - Ending Balance | 138.4 | 102.2 | 108.6 | 101.8 | 93.7 |
| Income Taxes - Paid/(Reimbursed) - Cash Flow - Supplemental | 22.2 | 37.4 | 23.2 | 19.0 | 17.2 |
| Interest & Dividends - Received - Cash Flow - Supplemental | 96.1 | 116.0 | 108.0 | 81.9 | 60.1 |
| CF from Optg Activities before Change in WC & Int Payments | (384.9) | (297.5) | (233.6) | (193.9) | (212.1) |
| Free Cash Flow to Equity | (119.6) | (35.1) | 23.8 | 15.3 | (4.7) |
| Free Cash Flow Net of Dividends | (134.9) | (107.5) | (20.9) | (16.9) | (16.0) |
| Free Cash Flow | (134.1) | (43.3) | 9.7 | 12.1 | (16.0) |
Every line the company reported, in the original order and wording, without regrouping or signs changed.