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%
Financials
Crescent Star Insurance Limited (CSIL) financials
14 years of annual results (FY2012 – FY2025), 46 quarters.
Crescent Star Insurance Limited (CSIL) reported total income of Rs 166.0 mn for FY2025 (Jan – Dec 2025), down 34.7% from FY2024.
Profit attributable to shareholders was Rs 17.3 mn (EPS Rs 0.13), down 62.2%.
No cash dividend was declared for FY2025.
Return on equity was 1.8%.
Over the last five years total income grew at a compound 7.7% a year.
At Rs 5.46 (close on 16 Oct 2026) the shares trade at 0.83× book value.
Fundamentals
CSIL at a glance
Net premium earned · FY2025
Rs 97.8 mn
▼ 56.4% year on year
Profit attributable to shareholders · FY2025
Rs 17.3 mn
▼ 62.2% year on year
EPS – basic (Rs) · FY2025
Rs 0.13
▼ 62.2% year on year
Dividend per share (Rs) · FY2025
Rs 0.00
Investments · FY2025
Rs 1.0 bn
▲ 18.4% year on year
Return on equity (ROE) · FY2025
1.8%
-3.3 pts year on year
Financial statements
Income statement
Revenue, costs, profit and earnings per share.
- Total income · FY2025
- Rs 166.0 mn
- Profit attributable · FY2025
- Rs 17.3 mn
Balance sheet
Assets, liabilities, debt and shareholders' equity.
- Total assets · FY2025
- Rs 1.2 bn
- Equity · FY2025
- Rs 972.9 mn
Financial highlights
CSIL financial results
| 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 | 97.8 | 224.4 | 277.8 | 118.3 | 95.6 |
| Investment income (net) | 63.2 | 30.0 | 21.2 | 9.1 | 4.7 |
| Net claims & benefits | 3.2 | 18.6 | (150.4) | (4.8) | (10.5) |
| Profit before tax | 31.7 | 41.7 | 22.0 | (18.8) | 38.3 |
| Profit attributable to shareholders | 17.3 | 45.8 | 56.9 | 4.5 | 38.8 |
| EPS – basic (Rs) Rs | 0.13 | 0.34 | 0.43 | 0.03 | 0.29 |
| Dividend per share (Rs) Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investments | 1,003.2 | 847.2 | 882.9 | 871.7 | 789.5 |
| Total assets | 1,232.3 | 1,121.4 | 1,240.8 | 1,202.7 | 1,189.5 |
| Total equity | 836.4 | 772.2 | 740.1 | 745.4 | 758.1 |
| Rs mn | TTM to Jun 2026 | Q2 FY2026 Apr – Jun 2026 | Q1 FY2026 Jan – Mar 2026 | Q4 FY2025 Oct – Dec 2025 | Q3 FY2025 Jul – Sep 2025 | Q2 FY2025 Apr – Jun 2025 | Q1 FY2025 Jan – Mar 2025 | Q4 FY2024 Oct – Dec 2024 | Q3 FY2024 Jul – Sep 2024 |
|---|---|---|---|---|---|---|---|---|---|
| Net premium earned | 81.6 | 15.7 | 19.1 | 25.1 | 21.8 | 19.7 | 31.3 | 31.9 | 48.7 |
| Investment income (net) | 43.8 | 15.4 | (26.6) | 52.8 | 2.2 | 15.1 | (1.8) | 1.7 | (3.7) |
| Net claims & benefits | (4.8) | (6.6) | (0.4) | 2.1 | 0.1 | (0.8) | 1.8 | 0.6 | 4.2 |
| Profit before tax | (50.4) | (17.1) | (43.3) | 17.9 | (7.9) | 4.1 | 17.5 | (49.3) | (25.5) |
| Profit attributable to shareholders | (59.1) | (20.8) | (39.5) | 9.0 | (7.9) | 3.9 | 12.2 | (46.1) | (19.3) |
| EPS – basic (Rs) Rs | (0.40) | (0.14) | (0.27) | 0.07 | (0.06) | 0.03 | 0.09 | (0.35) | (0.15) |
| Dividend per share (Rs) Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investments | 971.1 | 971.1 | 922.3 | 1,003.2 | 923.7 | 882.9 | 876.9 | 847.2 | 874.7 |
| Total assets | 1,208.9 | 1,208.9 | 1,282.0 | 1,232.3 | 1,160.7 | 1,124.5 | 1,147.2 | 1,121.4 | 1,166.3 |
| Total equity | 841.8 | 841.8 | 873.7 | 836.4 | 820.0 | 787.1 | 792.2 | 772.2 | 805.8 |
Figures in Pakistani rupees as reported by the company; costs and cash outflows in brackets. Free cash flow and book value per share are calculated by Smart Money; TTM = the latest four quarters. Updated 16 Oct 2026.