CSIL Crescent Star Insurance Limited
Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026
Last close · 16 Oct 2026
Rs 5.46 -1.80%
Annual · FY2012 – FY2025
Crescent Star Insurance Limited (CSIL) balance sheet
At the end of FY2025 (Jan – Dec 2025) Crescent Star Insurance Limited had total assets of Rs 1.2 bn, up 9.9% on FY2024. Shareholders' equity was Rs 972.9 mn (Rs 7.32 per share), 79.0% of total assets.
| 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 | 3.1 | 27.2 | 4.9 | 6.0 | 14.3 | |||||||||
| Investments | 1,003.2 | 847.2 | 882.9 | 871.7 | 789.5 | |||||||||
| Premium receivables | 141.1 | 173.7 | 227.5 | 190.4 | 208.4 | |||||||||
| Reinsurance assets | — | — | — | 0.0 | 2.6 | |||||||||
| Total assets | 1,232.3 | 1,121.4 | 1,240.8 | 1,202.7 | 1,189.5 | |||||||||
| Liabilities | ||||||||||||||
| Insurance reserves | 72.2 | 99.7 | 265.4 | 166.9 | 110.8 | |||||||||
| Unearned premiums | 15.3 | 35.2 | 177.9 | 99.4 | 42.0 | |||||||||
| Total liabilities | 395.9 | 349.3 | 500.7 | 457.4 | 431.4 | |||||||||
| Equity | ||||||||||||||
| Equity attributable to shareholders | 972.9 | 908.0 | 863.8 | 800.8 | 792.4 | |||||||||
| Total equity | 836.4 | 772.2 | 740.1 | 745.4 | 758.1 | |||||||||
| Total liabilities & equity | 1,232.3 | 1,121.4 | 1,240.8 | 1,202.7 | 1,189.5 | |||||||||
| Key figures | ||||||||||||||
| Shares outstanding mn | 132.9 | 132.9 | 132.9 | 132.9 | 132.9 | |||||||||
| Common equity | 972.9 | 908.0 | 863.8 | 800.8 | 792.4 | |||||||||
| Book value per share (Rs) Rs | 7.32 | 6.83 | 6.50 | 6.03 | 5.96 | |||||||||
| 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 | -88.5% | +456.8% | -19.4% | -57.7% | +36.3% | |||||||||
| Investments | +18.4% | -4.0% | +1.3% | +10.4% | +6.6% | |||||||||
| Premium receivables | -18.8% | -23.6% | +19.5% | -8.6% | +9.4% | |||||||||
| Reinsurance assets | — | — | — | -100.0% | 0.0% | |||||||||
| Total assets | +9.9% | -9.6% | +3.2% | +1.1% | +4.7% | |||||||||
| Liabilities | ||||||||||||||
| Insurance reserves | -27.6% | -62.4% | +59.0% | +50.6% | +0.8% | |||||||||
| Unearned premiums | -56.4% | -80.2% | +79.0% | +136.6% | -11.6% | |||||||||
| Total liabilities | +13.3% | -30.2% | +9.5% | +6.0% | +4.4% | |||||||||
| Equity | ||||||||||||||
| Equity attributable to shareholders | +7.1% | +5.1% | +7.9% | +1.1% | +5.5% | |||||||||
| Total equity | +8.3% | +4.3% | -0.7% | -1.7% | +4.8% | |||||||||
| Total liabilities & equity | +9.9% | -9.6% | +3.2% | +1.1% | +4.7% | |||||||||
| Key figures | ||||||||||||||
| Shares outstanding | — | — | — | — | — | |||||||||
| Common equity | +7.1% | +5.1% | +7.9% | +1.1% | +5.5% | |||||||||
| Book value per share (Rs) | +7.1% | +5.1% | +7.9% | +1.1% | +5.5% | |||||||||
Change against the previous fiscal year; shown when the earlier figure is positive.
| 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 | 0.3% | 2.4% | 0.4% | 0.5% | 1.2% | |||||||||
| Investments | 81.4% | 75.5% | 71.2% | 72.5% | 66.4% | |||||||||
| Premium receivables | 11.5% | 15.5% | 18.3% | 15.8% | 17.5% | |||||||||
| Reinsurance assets | — | — | — | 0.0% | 0.2% | |||||||||
| Total assets | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | |||||||||
| Liabilities | ||||||||||||||
| Insurance reserves | 5.9% | 8.9% | 21.4% | 13.9% | 9.3% | |||||||||
| Unearned premiums | 1.2% | 3.1% | 14.3% | 8.3% | 3.5% | |||||||||
| Total liabilities | 32.1% | 31.1% | 40.4% | 38.0% | 36.3% | |||||||||
| Equity | ||||||||||||||
| Equity attributable to shareholders | 79.0% | 81.0% | 69.6% | 66.6% | 66.6% | |||||||||
| Total equity | 67.9% | 68.9% | 59.6% | 62.0% | 63.7% | |||||||||
| Total liabilities & equity | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | |||||||||
| Key figures | ||||||||||||||
| Common equity | 79.0% | 81.0% | 69.6% | 66.6% | 66.6% | |||||||||
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 99
| Rs mn | FY2025 Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 Jan – Dec 2021 |
|---|---|---|---|---|---|
| Cash & Cash Equivalents | 3.1 | 27.2 | 4.9 | 6.0 | 14.3 |
| Receivables - Total | 141.1 | 173.7 | 227.5 | 190.4 | 208.4 |
| Insurance Premium Receivables | 141.1 | 173.7 | 227.5 | 190.4 | 208.4 |
| Receivables - Other | — | — | — | — | — |
| Investments including Loans - Total | 1,003.2 | 847.2 | 882.9 | 871.7 | 789.5 |
| Investment Securities - Available for Sale, Held to Maturity & Held for Trading - Total | 261.8 | 192.6 | 216.5 | 109.6 | 97.5 |
| Investment Securities - Equity | 261.8 | 192.6 | 216.5 | 109.6 | 97.5 |
| Investment Securities - Other | — | — | — | — | — |
| Investment Property | — | — | — | — | — |
| Loans - Mortgage, Policy & Other | 741.4 | 654.6 | 666.4 | 762.1 | 692.0 |
| Loans - Other | 741.4 | 654.6 | 666.4 | 762.1 | 692.0 |
| Property, Plant & Equipment - Net - Total | 37.9 | 22.9 | 48.5 | 63.9 | 117.1 |
| Deferred Policy Acquisition Costs | 1.5 | 3.3 | 18.3 | 13.7 | 5.7 |
| Reinsurance Assets | — | — | — | 0.0 | 2.6 |
| Reinsurance Recoverable - In Insurance Provisions | — | — | — | 0.0 | 2.6 |
| Other Assets - Total | 16.7 | 18.5 | 19.4 | 16.4 | 8.9 |
| Reinsurance Recoverable - Other | — | — | — | 0.0 | 2.6 |
| Deferred Tax - Asset - Long-Term & Short-Term | 8.6 | 10.3 | 10.6 | 7.6 | 0.0 |
| Accrued Investment Income | — | — | — | — | — |
| Prepaid Expenses - Total | — | — | 0.0 | 0.0 | 0.0 |
| Other Assets | 8.2 | 8.2 | 8.8 | 8.8 | 8.8 |
| Intangible Assets - Total - Net | 28.7 | 28.7 | 39.3 | 40.7 | 43.0 |
| Total Assets | 1,232.3 | 1,121.4 | 1,240.8 | 1,202.7 | 1,189.5 |
| Insurance Reserves - Total | 72.2 | 99.7 | 265.4 | 166.9 | 110.8 |
| Benefit & Loss Reserves - Gross | 56.9 | 64.6 | 87.4 | 67.4 | 68.8 |
| Debt - Total | — | — | — | — | 0.0 |
| Short-Term Debt & Current Portion of Long-Term Debt | — | — | — | — | — |
| Benefit & Loss Reserves - Non-Life - Gross | 56.9 | 64.6 | 87.4 | 67.4 | 68.8 |
| Unearned Premiums - Gross | 15.3 | 35.2 | 177.9 | 99.4 | 42.0 |
| Current Portion of Long-Term Debt including Capitalized Leases | — | — | — | — | — |
| Debt - Long-Term - Total | — | — | — | — | 0.0 |
| Current Portion of Long-Term Debt excluding Capitalized Leases | — | — | — | — | — |
| Long-Term Debt excluding Capitalized Leases | — | — | — | — | 0.0 |
| Debt - Non-Convertible - Long-Term | — | — | — | — | 0.0 |
| Dividends Payable | — | — | — | — | — |
| Deferred Tax & Investment Tax Credits - Long-Term | — | — | — | 0.0 | 3.3 |
| Deferred Tax - Liability - Long-Term | — | — | — | 0.0 | 3.3 |
| Payables & Accrued Expenses | 316.6 | 248.4 | 233.5 | 255.5 | 286.9 |
| Accrued Expenses | — | — | — | — | — |
| Payable - Reinsurance & Brokers/Agents | — | — | 0.0 | 0.4 | — |
| Other Liabilities - Total | 7.1 | 1.1 | 1.8 | 35.1 | 30.4 |
| Other Payables - Total | 316.6 | 248.4 | 233.5 | 255.0 | 286.9 |
| Other Liabilities - | 7.1 | 1.1 | 1.8 | 35.1 | 30.4 |
| Total Liabilities | 395.9 | 349.3 | 500.7 | 457.4 | 431.4 |
| Shareholders' Equity - Attributable to Parent Shareholders - Total | 972.9 | 908.0 | 863.8 | 800.8 | 792.4 |
| Common Equity Attributable to Parent Shareholders | 972.9 | 908.0 | 863.8 | 800.8 | 792.4 |
| Common Equity - Contributed | 1,077.0 | 1,077.0 | 1,077.0 | 1,077.0 | 1,077.0 |
| Common Stock - Issued & Paid | 1,077.0 | 1,077.0 | 1,077.0 | 1,077.0 | 1,077.0 |
| Equity - Non-Contributed - Reserves & Retained Earnings | (104.1) | (169.0) | (213.1) | (276.2) | (284.6) |
| Retained Earnings - Total | 95.6 | 30.7 | (13.5) | (76.5) | (84.9) |
| Other Reserves/Equity - Total | (199.7) | (199.7) | (199.7) | (199.6) | (199.7) |
| Common Equity - Total | 972.9 | 908.0 | 863.8 | 800.8 | 792.4 |
| Common Stock - Additional Paid in Capital including Option Reserve | — | — | — | — | — |
| Minority Interest - Equity | (136.5) | (135.8) | (123.7) | (55.4) | (34.3) |
| Total Shareholders' Equity - including Minority Interest & Hybrid Debt | 836.4 | 772.2 | 740.1 | 745.4 | 758.1 |
| Total Liabilities & Equity | 1,232.3 | 1,121.4 | 1,240.8 | 1,202.7 | 1,189.5 |
| Common Shares - Issued - Total mn | 132.9 | 132.9 | 132.9 | 132.9 | 132.9 |
| Common Shares - Outstanding - Total mn | 132.9 | 132.9 | 132.9 | 132.9 | 132.9 |
| Common Shares - Treasury - Total mn | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Common Shares - Authorized - Issue Specific mn | 185.1 | 141.9 | 141.9 | 141.9 | 141.9 |
| Common Shares - Issued - Issue Specific mn | 132.9 | 132.9 | 132.9 | 132.9 | 132.9 |
| Common Shares - Outstanding - Issue Specific mn | 132.9 | 132.9 | 132.9 | 132.9 | 132.9 |
| 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× |
| Debt including Finance and Operating Lease Liabilities - Supplemental | — | — | — | — | 0.0 |
| Net Debt | (3.1) | (27.2) | (4.9) | (6.0) | (14.3) |
| Minority Interest - Total | (136.5) | (135.8) | (123.7) | (55.4) | (34.3) |
| Asset Accruals | (3.1) | (27.2) | (4.9) | (6.0) | (14.3) |
| Cash & Cash Equivalents - Total | 3.1 | 27.2 | 4.9 | 6.0 | 14.3 |
| Cash & Securities | 261.8 | 192.6 | 216.5 | 109.6 | 97.5 |
| Cash & Short Term Investments - Total | 3.1 | 27.2 | 4.9 | 6.0 | 14.3 |
| Debt - including Preferred Equity & Minority Interest - Total | (136.5) | (135.8) | (123.7) | (55.4) | (34.3) |
| Earning Assets | 1,003.2 | 847.2 | 882.9 | 871.7 | 789.5 |
| Equity Securities & Real Estate | 261.8 | 192.6 | 216.5 | 109.6 | 97.5 |
| Invested Assets - Total | 1,003.2 | 847.2 | 882.9 | 871.7 | 789.5 |
| Investment Securities | 261.8 | 192.6 | 216.5 | 109.6 | 97.5 |
| Investments - Permanent | — | — | — | — | — |
| Net Book Capital | 833.3 | 745.0 | 735.2 | 739.3 | 743.8 |
| Net Operating Assets | 833.3 | 745.0 | 735.2 | 739.3 | 743.8 |
| Non-Reserve Liabilities | 323.6 | 249.5 | 235.3 | 290.5 | 320.6 |
| Provisions - Total | — | — | — | 0.0 | 3.3 |
| Shareholders Equity - Common | 972.9 | 908.0 | 863.8 | 800.8 | 792.4 |
| Tangible Total Equity | 807.6 | 743.4 | 700.8 | 704.7 | 715.1 |
| Tangible Book Value | 944.1 | 879.3 | 824.5 | 760.1 | 749.4 |
| Total Book Capital | 972.9 | 908.0 | 863.8 | 800.8 | 792.4 |
| Total Capital | 836.4 | 772.2 | 740.1 | 745.4 | 758.1 |
| Total Long Term Capital | 836.4 | 772.2 | 740.1 | 745.4 | 758.1 |
| Book Value excluding Other Equity | 1,172.5 | 1,107.6 | 1,063.5 | 1,000.4 | 992.0 |
| Cash & Short Term Investments - Net of Debt | 3.1 | 27.2 | 4.9 | 6.0 | 14.3 |
| Current Portion of Long-Term Debt including Capitalized Leases & Hybrid Financial Instruments | — | — | — | — | — |
| Interest Bearing Liabilities - Total | — | — | — | — | 0.0 |
| Net Debt Including Preferred Equity & Minority Interest | (139.6) | (163.0) | (128.6) | (61.5) | (48.6) |
| Other Short-Term & Long-Term Assets - Total | 16.7 | 18.5 | 19.4 | 16.4 | 8.9 |
| Other Short-Term & Long-Term Liabilities - Total | 7.1 | 1.1 | 1.8 | 35.1 | 30.4 |
| Tangible Book Value excluding Other Equity | 1,143.8 | 1,078.9 | 1,024.2 | 959.8 | 949.0 |
| Total Debt Excluding Islamic | — | — | — | — | 0.0 |
| Investment in Equity, Real Estate & Mortgages | 261.8 | 192.6 | 216.5 | 109.6 | 97.5 |
| Benefit & Claims Reserves - Gross | 56.9 | 64.6 | 87.4 | 67.4 | 68.8 |
| Reinsurance Liabilities | — | — | 0.0 | 0.4 | — |
Every line the company reported, in the original order and wording, without regrouping or signs changed.