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Insurance

ATIL Atlas Insurance Limited

Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026

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Last close · 16 Oct 2026

Rs 74.01 +0.08%

Annual · FY2006 – FY2025

Atlas Insurance Limited (ATIL) balance sheet

At the end of FY2025 (Jan – Dec 2025) Atlas Insurance Limited had total assets of Rs 24.4 bn, up 25.0% on FY2024. Shareholders' equity was Rs 11.0 bn (Rs 73.52 per share), 45.1% of total assets.

ATIL balance sheet (annual) (Rs bn)
Rs bn FY2025 Jan – Dec 2025 FY2024 * Jan – Dec 2024 FY2023 * Jan – Dec 2023 FY2022 Jan – Dec 2022 FY2021 Jan – Dec 2021
Assets
Cash & cash equivalents 1.2 1.5 1.5 1.6 1.0
Investments 16.9 12.8 7.4 5.1 6.2
Premium receivables 1.2 0.9 0.8 0.5 0.4
Reinsurance assets 1.0 1.2 2.0 1.1 0.8
Total assets 24.4 19.5 14.3 9.6 9.3
Liabilities
Insurance reserves 4.5 4.3 4.9 3.5 2.7
Unearned premiums 3.1 2.7 2.5 1.9 1.6
Total liabilities 13.4 11.3 9.5 6.0 5.1
Equity
Equity attributable to shareholders 11.0 8.2 4.8 3.6 4.2
Total equity 11.0 8.2 4.8 3.6 4.2
Total liabilities & equity 24.4 19.5 14.3 9.6 9.3
Key figures
Shares outstanding mn 149.4 149.4 149.4 149.4 149.4
Common equity 11.0 8.2 4.8 3.6 4.2
Book value per share (Rs) Rs 73.52 54.66 31.93 23.99 27.95
ATIL balance sheet — year-on-year change (Rs mn)
Rs mn FY2025 Jan – Dec 2025 FY2024 * Jan – Dec 2024 FY2023 * Jan – Dec 2023 FY2022 Jan – Dec 2022 FY2021 Jan – Dec 2021
Assets
Cash & cash equivalents -23.0% -0.9% -0.6% +59.4% +10.4%
Investments +32.2% +73.2% +44.2% -17.3% -4.2%
Premium receivables +43.1% +10.2% +43.6% +24.9% +38.8%
Reinsurance assets -15.3% -41.2% +82.5% +39.1% -29.0%
Total assets +25.0% +36.3% +49.7% +2.5% -3.6%
Liabilities
Insurance reserves +6.3% -13.4% +43.1% +26.1% -0.3%
Unearned premiums +14.8% +6.2% +31.4% +22.3% +17.4%
Total liabilities +18.2% +18.8% +59.7% +16.0% +5.2%
Equity
Equity attributable to shareholders +34.5% +71.2% +33.1% -14.2% -12.5%
Total equity +34.5% +71.2% +33.1% -14.2% -12.5%
Total liabilities & equity +25.0% +36.3% +49.7% +2.5% -3.6%
Key figures
Shares outstanding — — — — —
Common equity +34.5% +71.2% +33.1% -14.2% -12.5%
Book value per share (Rs) +34.5% +71.2% +33.1% -14.2% -12.5%

Change against the previous fiscal year; shown when the earlier figure is positive.

ATIL balance sheet — common size (Rs mn)
Rs mn FY2025 Jan – Dec 2025 FY2024 * Jan – Dec 2024 FY2023 * Jan – Dec 2023 FY2022 Jan – Dec 2022 FY2021 Jan – Dec 2021
Assets
Cash & cash equivalents 4.8% 7.9% 10.8% 16.3% 10.5%
Investments 69.2% 65.5% 51.5% 53.5% 66.3%
Premium receivables 5.0% 4.4% 5.4% 5.6% 4.6%
Reinsurance assets 4.0% 5.9% 13.7% 11.2% 8.3%
Total assets 100.0% 100.0% 100.0% 100.0% 100.0%
Liabilities
Insurance reserves 18.7% 21.9% 34.5% 36.1% 29.4%
Unearned premiums 12.6% 13.7% 17.6% 20.1% 16.8%
Total liabilities 54.9% 58.1% 66.6% 62.5% 55.2%
Equity
Equity attributable to shareholders 45.1% 41.9% 33.4% 37.5% 44.8%
Total equity 45.1% 41.9% 33.4% 37.5% 44.8%
Total liabilities & equity 100.0% 100.0% 100.0% 100.0% 100.0%
Key figures
Common equity 45.1% 41.9% 33.4% 37.5% 44.8%

Each line as a percentage of total assets.

Figures in Pakistani rupees as reported by the company; costs and cash outflows in brackets; "—" = not reported. * Figures in this period do not fully reconcile in the source data (hover the * for details). Updated 16 Oct 2026.

All reported line items 118
ATIL balance sheet — all reported line items (Rs bn)
Rs bn FY2025 Jan – Dec 2025 FY2024 Jan – Dec 2024 FY2023 Jan – Dec 2023 FY2022 Jan – Dec 2022 FY2021 Jan – Dec 2021
Cash & Cash Equivalents 1.2 1.5 1.5 1.6 1.0
Receivables - Total 1.2 0.9 0.8 0.6 0.4
Insurance Premium Receivables 1.2 0.9 0.8 0.5 0.4
Income Tax - Receivables — — — 0.0 0.0
Investments including Loans - Total 16.9 12.8 7.4 5.1 6.2
Investment Securities - Available for Sale, Held to Maturity & Held for Trading - Total 16.1 12.0 6.8 4.6 5.9
Investment Securities - Equity 13.0 10.1 5.3 4.2 5.5
Investment Securities - Other 3.0 1.8 1.5 0.4 0.3
Investments - Other - Total 0.7 0.6 0.4 0.4 0.3
Loans - Mortgage, Policy & Other 0.1 0.2 0.1 0.1 0.0
Loans - Other 0.1 0.2 0.1 0.1 0.0
Investment Securities Available for Sale & Held to Maturity — — — — 0.0
Property, Plant & Equipment - Net - Total 0.5 0.3 0.2 0.2 0.1
Property, Plant & Equipment - Gross - Total — — — — —
Property, Plant & Equipment - Accumulated Depreciation & Impairment - Total — — — — —
Reinsurance Assets 1.0 1.2 2.0 1.1 0.8
Reinsurance Recoverable - In Insurance Provisions 1.0 1.2 2.0 1.1 0.8
Other Assets - Total 3.6 2.9 2.4 1.0 0.8
Reinsurance Recoverable - Other — — — — —
Deferred Charges 0.3 0.3 0.2 0.1 0.1
Investments in Associates, Joint Ventures and Unconsolidated Subsidiaries — — — — —
Deferred Tax - Asset - Long-Term & Short-Term — — — — —
Accrued Investment Income — — — — —
Prepaid Expenses - Total 1.4 1.2 1.2 0.9 0.7
Other Assets 1.9 1.4 1.0 0.0 0.0
Intangible Assets - Total - Net — — — 0.0 —
Pension Benefits - Overfunded - Total — 0.0 0.0 0.0 0.0
Intangible Assets - excluding Goodwill - Net - Total — — — 0.0 —
Intangible Assets - Gross - Total — — — — —
Intangible Assets - excluding Goodwill - Gross — — — — —
Intangible Assets - Accumulated Amortization & Impairment - Total — — — — —
Total Assets 24.4 19.5 14.3 9.6 9.3
Insurance Reserves - Total 4.5 4.3 4.9 3.5 2.7
Benefit & Loss Reserves - Gross 1.5 1.6 2.4 1.5 1.2
Debt - Total 0.2 0.1 0.1 0.1 0.1
Benefit & Loss Reserves - Life - Gross 1.5 1.6 2.4 1.5 1.2
Short-Term Debt & Current Portion of Long-Term Debt 0.0 0.0 — 0.0 0.0
Unearned Premiums - Gross 3.1 2.7 2.5 1.9 1.6
Current Portion of Long-Term Debt including Capitalized Leases 0.0 0.0 — 0.0 0.0
Capitalized Leases - Current Portion 0.0 0.0 — 0.0 0.0
Debt - Long-Term - Total 0.2 0.0 0.1 0.1 0.0
Capitalized Lease Obligations - Long-Term 0.2 0.0 0.1 0.1 0.0
Dividends Payable — — — — —
Deferred Tax & Investment Tax Credits - Long-Term 3.6 2.4 1.0 0.3 0.5
Deferred Tax - Liability - Long-Term 3.6 2.4 1.0 0.3 0.5
Payables & Accrued Expenses 2.2 2.4 2.0 1.7 1.6
Accrued Expenses — — — — —
Payable - Reinsurance & Brokers/Agents 0.6 0.7 0.8 0.5 0.8
Other Liabilities - Total 2.8 2.2 1.5 0.4 0.2
Other Payables - Total 1.6 1.7 1.2 1.2 0.8
Other Liabilities - 2.8 2.2 1.5 0.3 0.2
Provisions 0.0 0.0 0.0 0.0 —
Post Employment Benefits - Pension & Other 0.0 0.0 0.0 0.0 —
Total Liabilities 13.4 11.3 9.5 6.0 5.1
Shareholders' Equity - Attributable to Parent Shareholders - Total 11.0 8.2 4.8 3.6 4.2
Common Equity Attributable to Parent Shareholders 11.0 8.2 4.8 3.6 4.2
Common Equity - Contributed 1.5 1.5 1.5 0.9 0.8
Common Stock - Issued & Paid 1.5 1.5 1.5 0.9 0.8
Equity - Non-Contributed - Reserves & Retained Earnings 9.5 6.7 3.3 2.7 3.3
Retained Earnings - Total 9.5 6.7 3.3 0.5 0.6
Comprehensive Income - Accumulated - Total — — — 0.8 1.5
Investments - Unrealized Gain/Loss — — — 0.8 1.5
Other Reserves/Equity - Total — — — 1.4 1.2
Common Equity - Total 11.0 8.2 4.8 3.6 4.2
Total Shareholders' Equity - including Minority Interest & Hybrid Debt 11.0 8.2 4.8 3.6 4.2
Total Liabilities & Equity 24.4 19.5 14.3 9.6 9.3
Common Shares - Issued - Total mn 149.4 149.4 149.4 149.4 149.4
Common Shares - Outstanding - Total mn 149.4 149.4 149.4 149.4 149.4
Common Shares - Treasury - Total mn 0.0 0.0 0.0 0.0 0.0
Common Shares - Authorized - Issue Specific mn 150.0 150.0 — 240.0 264.0
Common Shares - Issued - Issue Specific mn 149.4 149.4 149.4 149.4 149.4
Common Shares - Outstanding - Issue Specific mn 149.4 149.4 149.4 149.4 149.4
Common Shares - Treasury - Issue Specific mn 0.0 0.0 0.0 0.0 0.0
Asset Allocation Factor - Issue Specific 1.00× 1.00× 1.00× 1.00× 1.00×
Right of Use Tangible Assets - Total - Net - Supplemental — — — 0.1 0.1
Right of Use Tangible Assets - Capital/Finance Lease - Net - Supplemental — — — 0.1 0.1
Property, Plant & Equipment - excluding Right of Use Tangible Assets & Capital Leases - Net - Supplemental — — — 0.1 0.1
Finance and Operating Lease Liabilities - Total - Supplemental 0.2 0.1 0.1 0.1 0.1
Debt including Finance and Operating Lease Liabilities - Supplemental 0.2 0.1 0.1 0.1 0.1
Net Debt (1.0) (1.5) (1.5) (1.5) (0.9)
Capital Lease Maturities - Total — — — — —
Capital Lease Maturities - Due within 1 Year — — — — —
Capital Lease Maturities - Due in Year 5 — — — — —
Capital Lease Maturities - Due in 4-5 Years — — — — —
Asset Accruals (1.2) (1.5) (1.5) (1.6) (1.0)
Cash & Cash Equivalents - Total 1.2 1.5 1.5 1.6 1.0
Cash & Securities 16.7 12.6 7.3 5.0 6.1
Cash & Short Term Investments - Total 1.2 1.5 1.5 1.6 1.0
Debt - including Preferred Equity & Minority Interest - Total 0.2 0.1 0.1 0.1 0.1
Earning Assets 16.9 12.8 7.4 5.1 6.2
Equity Securities & Real Estate 13.0 10.1 5.3 4.2 5.5
Invested Assets - Total 16.9 12.8 7.4 5.1 6.2
Investment Securities 16.1 12.0 6.8 4.6 5.9
Investments - Permanent — — — — —
Net Book Capital 10.0 6.7 3.3 2.1 3.3
Net Operating Assets 10.0 6.7 3.3 2.1 3.3
Non-Reserve Liabilities 8.8 7.0 4.6 2.5 2.4
Provisions - Total 3.6 2.4 1.0 0.4 0.5
Shareholders Equity - Common 11.0 8.2 4.8 3.6 4.2
Tangible Total Equity 11.0 8.2 4.8 3.6 4.2
Tangible Book Value 11.0 8.2 4.8 3.6 4.2
Total Book Capital 11.2 8.2 4.8 3.7 4.2
Total Capital 11.2 8.2 4.8 3.7 4.2
Total Long Term Capital 11.0 8.2 4.8 3.6 4.2
Book Value excluding Other Equity 11.0 8.2 4.8 2.2 2.9
Cash & Short Term Investments - Net of Debt 1.0 1.5 1.5 1.5 0.9
Current Portion of Long-Term Debt including Capitalized Leases & Hybrid Financial Instruments 0.0 0.0 — 0.0 0.0
Interest Bearing Liabilities - Total 0.2 0.1 0.1 0.1 0.1
Net Debt Including Preferred Equity & Minority Interest (1.0) (1.5) (1.5) (1.5) (0.9)
Other Short-Term & Long-Term Assets - Total 3.6 2.9 2.4 1.0 0.8
Other Short-Term & Long-Term Liabilities - Total 2.8 2.2 1.5 0.3 0.2
Tangible Book Value excluding Other Equity 11.0 8.2 4.8 2.2 2.9
Total Debt Excluding Islamic 0.2 0.1 0.1 0.1 0.1
Investment in Equity, Real Estate & Mortgages 13.0 10.1 5.3 4.2 5.5
Book Value excluding Accumulated Comprehensive Income — — — 2.8 2.7
Benefit & Claims Reserves - Gross 1.5 1.6 2.4 1.5 1.2
Reinsurance Liabilities 0.6 0.7 0.8 0.5 0.8
Cash in Hand & with Banks - Total 1.2 1.5 1.5 1.6 1.0

Every line the company reported, in the original order and wording, without regrouping or signs changed.