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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) income statement

Atlas Insurance Limited reported total income of Rs 2.1 bn for FY2025 (Jan – Dec 2025), up 10.4% on FY2024. Tax of Rs 1.3 bn took 38.8% of pre-tax profit. Profit attributable to shareholders was Rs 2.1 bn, up 10.0% on FY2024, or Rs 13.90 per share.

ATIL income statement (annual) (Rs mn)
Rs mn FY2025 Jan – Dec 2025 FY2024 * Jan – Dec 2024 FY2023 * Jan – Dec 2023 FY2022 Jan – Dec 2022 FY2021 Jan – Dec 2021
Net premium earned 5.7 (2.3) (3.3) 2,132.9 1,830.7
Investment income (net) 2,080.0 1,892.1 603.1 2.4 330.4
Total income 2,085.6 1,889.8 599.7 2,135.3 2,161.1
Net claims & benefits (1,053.7) (777.2) (702.5) (721.2) (622.2)
Acquisition & underwriting expenses 123.1 108.1 172.4 252.1 182.4
Profit before tax 3,393.4 3,111.2 1,822.6 1,095.6 1,181.5
Taxation (1,316.6) (1,222.4) (815.5) (376.3) (346.1)
Profit after tax 2,076.8 1,888.8 1,007.2 719.3 835.4
Profit attributable to shareholders 2,076.8 1,888.8 1,007.2 719.3 835.4
Per share
EPS – basic (Rs) Rs 13.90 12.64 6.74 4.81 5.59
Dividend per share (Rs) Rs 8.50 8.50 4.00 4.38 3.98
ATIL income statement — 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
Net premium earned — — -100.2% +16.5% +30.3%
Investment income (net) +9.9% +213.7% +24,525.4% -99.3% +37.8%
Total income +10.4% +215.1% -71.9% -1.2% +31.4%
Net claims & benefits +35.6% +10.6% -2.6% +15.9% +38.4%
Acquisition & underwriting expenses — — — — —
Profit before tax +9.1% +70.7% +66.4% -7.3% +30.2%
Taxation +7.7% +49.9% +116.7% +8.7% +31.9%
Profit after tax +10.0% +87.5% +40.0% -13.9% +29.4%
Profit attributable to shareholders +10.0% +87.5% +40.0% -13.9% +29.4%
Per share
EPS – basic (Rs) +10.0% +87.5% +40.0% -13.9% +29.4%
Dividend per share (Rs) 0.0% +112.5% -8.6% +10.0% 0.0%

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

ATIL income statement — 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
Net premium earned 0.3% (0.1%) (0.6%) 99.9% 84.7%
Investment income (net) 99.7% 100.1% 100.6% 0.1% 15.3%
Total income 100.0% 100.0% 100.0% 100.0% 100.0%
Net claims & benefits (50.5%) (41.1%) (117.1%) (33.8%) (28.8%)
Acquisition & underwriting expenses 5.9% 5.7% 28.8% 11.8% 8.4%
Profit before tax 162.7% 164.6% 303.9% 51.3% 54.7%
Taxation (63.1%) (64.7%) (136.0%) (17.6%) (16.0%)
Profit after tax 99.6% 99.9% 167.9% 33.7% 38.7%
Profit attributable to shareholders 99.6% 99.9% 167.9% 33.7% 38.7%

Each line as a percentage of total income.

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 124
ATIL income statement — all reported line items (Rs mn)
Rs mn FY2025 Jan – Dec 2025 FY2024 Jan – Dec 2024 FY2023 Jan – Dec 2023 FY2022 Jan – Dec 2022 FY2021 Jan – Dec 2021
Net Premiums Earned 5.7 (2.3) (3.3) 2,132.9 1,830.7
Premiums Ceded Out & Unearned - Reinsurance (5.7) 2.3 3.3 — —
Fees & Commissions Income — — — — —
Investment Income/(Expense) - Net - Insurance 2,080.0 1,892.1 603.1 2.4 330.4
Investment Income - Gross - Insurance - Total — — — — —
Investment Expense - Insurance - Total — — — — —
Revenue from Business-Related Activities - Other - Total — — — — —
Business-Related Financing Revenue - Other — — — — —
Revenue from Business Activities - Total 2,085.6 1,889.8 599.7 2,135.3 2,161.1
Insurance Claims/Reserves - Total 1,053.7 777.2 702.5 721.2 622.2
Insurance Benefits Paid - Current 1,053.7 777.2 702.5 721.2 622.2
Selling, General & Administrative Expenses - Total 1,413.5 1,178.2 927.6 748.0 618.0
Selling, General & Administrative Expenses - Unclassified 1,297.8 1,084.9 857.9 690.2 572.3
Depreciation in Selling, General & Administrative Expenses 115.6 93.2 69.7 57.7 45.7
Amortization of Intangibles in Selling, General & Administrative Expenses — — — — —
Underwriting Expenses (123.1) (108.1) (172.4) (252.1) (182.4)
Policy Acquisition Costs - Total (123.1) (108.1) (172.4) (252.1) (182.4)
Other Operating Expense/(Income) - Net (127.9) (193.2) (347.2) (191.9) (87.6)
Other Operating Income - Total 255.4 416.4 390.4 219.6 103.8
Fee & Commission Expense - Insurance (123.1) (108.1) (172.4) (252.1) (182.4)
Operating Expenses - Total 2,216.2 1,654.1 1,110.5 1,025.1 970.2
Labor & Related Expenses including Stock-Based Compensation in Selling, General & Administrative Expenses — — — — —
Selling, General & Administrative Expenses - Other - Total — — — — —
Advertising Expense — — — — —
Operating Profit before Non-Recurring Income/(Expense) (130.5) 235.7 (510.7) 1,110.2 1,190.9
Other Operating Expense 127.5 223.2 43.1 27.7 16.3
Interest Expense - Net of Capitalized Interest 22.4 11.8 11.9 9.3 7.5
Sale of Tangible & Intangible Fixed Assets - Gain/Loss 0.6 4.0 — — —
Other Non-Operating Income/(Expense) - Total — — — — —
Foreign Exchange Gain/(Loss) - Non-Business 2.2 (1.0) (37.0) (5.3) (1.8)
Normalized Pre-tax Profit (150.2) 226.9 (559.6) 1,095.6 1,181.5
Non-Recurring Income/Expense - Total — — — — —
Interest Expense on Capital Financing - Gross — — — — —
Non-Recurring Income/(Expense) - Other - Total — — — — —
Provision for Income Tax Expense- Unclassified 1,316.6 1,222.4 815.5 376.3 346.1
Income before Taxes 3,393.4 3,111.2 1,822.6 1,095.6 1,181.5
Income Taxes 1,316.6 1,222.4 815.5 376.3 346.1
Income Taxes for the Year - Current — — — — —
Income Taxes - Other (KFAS/NLST) - Current — — — — —
Income Taxes - Deferred — — — — —
Income Taxes - Domestic - Deferred — — — — —
Income Taxes - Other - Deferred — — — — —
Net Income after Tax 2,076.8 1,888.8 1,007.2 719.3 835.4
Income before Discontinued Operations & Extraordinary Items 2,076.8 1,888.8 1,007.2 719.3 835.4
Net Income before Minority Interest 2,076.8 1,888.8 1,007.2 719.3 835.4
Net Income after Minority Interest 2,076.8 1,888.8 1,007.2 719.3 835.4
Income Available to Common Shares 2,076.8 1,888.8 1,007.2 719.3 835.4
Earnings Adjustments to Net Income - Other Expense/(Income) — — — — —
DPS - Common - Gross - Issue - By Period End Date Rs 8.50 8.50 4.00 4.38 3.98
Net Income - Basic - including Extraordinary Items Applicable to Common - Total 2,076.8 1,888.8 1,007.2 719.3 835.4
Income available to Common excluding Extraordinary Items 2,076.8 1,888.8 1,007.2 719.3 835.4
Shares used to calculate Basic EPS - Total mn 149.4 149.4 149.4 149.4 149.4
EPS - Basic - including Extraordinary Items Applicable to Common - Total Rs 13.90 12.64 6.74 4.81 5.59
EPS - Basic - excluding Extraordinary Items Applicable to Common - Total Rs 13.90 12.64 6.74 4.81 5.59
EPS - Basic - excluding Extraordinary Items - Normalized - Total Rs 13.90 12.64 6.74 4.81 5.59
Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific 2,076.8 1,888.8 1,007.2 719.3 835.4
Earnings Allocation Factor - Basic - Issue Specific 1.00× 1.00× 1.00× 1.00× 1.00×
Shares used to calculate Basic EPS - Issue Specific mn 149.4 149.4 149.4 149.4 149.4
EPS - Basic - including Extraordinary Items Applicable to Common - Issue Specific Rs 13.90 12.64 6.74 4.81 5.59
EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific Rs 13.90 12.64 6.74 4.81 5.59
EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific Rs 13.90 12.64 6.74 4.81 5.59
EPS - Basic from Discontinued Operations & Extraordinary Items Rs 0.00 0.00 0.00 0.00 0.00
Dilution Adjustment — — — — —
Net Income - Diluted - including Extraordinary Items Applicable to Common - Total 2,076.8 1,888.8 1,007.2 719.3 835.4
Diluted Income available to Common excluding Extraordinary Items 2,076.8 1,888.8 1,007.2 719.3 835.4
Shares used to calculate Diluted EPS - Total mn 149.4 149.4 149.4 149.4 149.4
EPS - Diluted - including Extraordinary Items Applicable to Common - Total Rs 13.90 12.64 6.74 4.81 5.59
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total Rs 13.90 12.64 6.74 4.81 5.59
EPS - Diluted - excluding Extraordinary Items - Normalized - Total Rs 13.90 12.64 6.74 4.81 5.59
Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue Specific 2,076.8 1,888.8 1,007.2 719.3 835.4
Earnings Allocation Factor - Diluted - Issue Specific 1.00× 1.00× 1.00× 1.00× 1.00×
Shares used to calculate Diluted EPS - Issue Specific mn 149.4 149.4 149.4 149.4 149.4
EPS - Diluted - including Extraordinary Items Applicable to Common - Issue Specific Rs 13.90 12.64 6.74 4.81 5.59
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific Rs 13.90 12.64 6.74 4.81 5.59
EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific Rs 13.90 12.64 6.74 4.81 5.59
EPS - Diluted from Discontinued Operations & Extraordinary Items Rs 0.00 0.00 0.00 0.00 0.00
DPS - Common - Gross - Issue - By Announcement Date Rs 8.50 5.50 3.81 4.12 5.40
DPS - Common - Net - Issue - By Announcement Date Rs 7.65 4.95 3.43 3.71 4.86
Earnings before Interest & Taxes (EBIT) (130.5) 235.7 (510.7) 1,110.2 1,190.9
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) (14.9) 329.0 (441.0) 1,167.9 1,236.5
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) and Operating Lease Payments — — — — —
Depreciation & Amortization - Supplemental 115.6 93.2 69.7 57.7 45.7
Depreciation Expense - Total - Supplemental 115.6 93.2 69.7 57.7 45.7
Depreciation - Financial Lease Right-of-Use Assets - Supplemental 42.4 34.6 32.4 29.2 24.3
Amortization - Total - Supplemental — — — — —
Intangible Amortization - Other - Supplemental — — — — —
Depreciation, Depletion & Amortization - Total 115.6 93.2 69.7 57.7 45.7
Depreciation - Total 115.6 93.2 69.7 57.7 45.7
Amortization of Intangible Assets including Goodwill - Total — — — — —
Labor & Related Expenses - Total — — — — —
Labor & Related Expenses - Supplemental — — — — —
Auditor Fees — — — — —
Audit-Related Fees — — — — —
Fees - Other — — — — —
Normalized after Tax Profit 2,076.8 1,888.8 1,007.2 719.3 835.4
Normalized Net Income from Continuing Operations 2,076.8 1,888.8 1,007.2 719.3 835.4
Normalized Net Income - Bottom Line 2,076.8 1,888.8 1,007.2 719.3 835.4
Earnings before Interest & Taxes (EBIT) - Normalized (127.7) 238.7 (547.7) 1,104.9 1,189.0
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized (12.1) 332.0 (478.0) 1,162.6 1,234.7
Depreciation of Financial Lease Right-of-Use Assets — 34.6 32.4 — —
Interest Expense on Financial Lease Liabilities - Supplemental 22.4 11.8 11.9 9.3 7.5
Rental/Operating Lease Expense — — — — —
Advertising Expenses - Supplemental — — — — —
Interest Expense 22.4 11.8 11.9 9.3 7.5
Investment Income - Insurance 2,080.0 1,892.1 603.1 2.4 330.4
Losses, Benefits & Adjustments - Insurance 1,053.7 777.2 702.5 721.2 622.2
Operating Expenses 2,216.2 1,654.1 1,110.5 1,025.1 970.2
Premiums Ceded Out & Unearned - Total (5.7) 2.3 3.3 — —
Selling, General & Administrative Expenses excluding Research & Development Expenses 1,413.5 1,178.2 927.6 748.0 618.0
Total Claim & Loss Expense 1,053.7 777.2 702.5 721.2 622.2
Underwriting & Commissions (123.1) (108.1) (172.4) (252.1) (182.4)
Underwriting Expenses - Insurance 1,285.6 985.0 580.4 556.1 530.4
Income before Taxes & Provision for Loan Losses 3,393.4 3,111.2 1,822.6 1,095.6 1,181.5
DPS - Common - Gross - Issue - By Payable Date Rs 8.50 5.50 3.81 4.12 5.40
DPS - Common - Gross - Issue - By Ex Date Rs 8.50 5.50 3.81 4.12 5.40
Tax Adjusted Operating Income 2,090.5 1,895.9 1,013.7 725.4 840.7
Underwriting Expenses minus Losses, Benefits & Adjustments - Insurance 231.9 207.7 (122.2) (165.2) (91.8)
Operating Expenses excluding Non-Cash Charges - Total 2,100.5 1,560.8 1,040.7 967.4 924.6
Premiums Earned - Total 5.7 (2.3) (3.3) 2,132.9 1,830.7
Losses, Benefits & Adjustments - Total 930.6 669.1 530.1 469.1 439.8
Income Available to Common Shares before Depreciation & Amortization 2,192.4 1,982.0 1,076.9 777.0 881.0
Fixed Charges 22.4 11.8 11.9 9.3 7.5
Estimated Tax Rate 0.29× 0.29× 0.29× 0.29× 0.29×
Total Common & Spl DPS -Gross - Issue - By Announcement Date Rs 8.50 5.50 3.81 4.12 5.40

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