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) income statement
Crescent Star Insurance Limited reported total income of Rs 166.0 mn for FY2025 (Jan – Dec 2025), down 34.7% on FY2024. Tax of Rs 15.1 mn took 47.5% of pre-tax profit. Profit attributable to shareholders was Rs 17.3 mn, down 62.2% on FY2024, or Rs 0.13 per share.
| 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 | |||||||||
| Total income | 166.0 | 254.3 | 299.0 | 130.7 | 100.3 | |||||||||
| 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 | |||||||||
| Taxation | (15.1) | (8.0) | 31.4 | 2.1 | (5.9) | |||||||||
| Profit after tax | 16.6 | 33.7 | 53.3 | (16.6) | 32.4 | |||||||||
| Profit attributable to shareholders | 17.3 | 45.8 | 56.9 | 4.5 | 38.8 | |||||||||
| Per share | ||||||||||||||
| 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 | |||||||||
| 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 | -56.4% | -19.2% | +134.9% | +23.7% | -15.1% | |||||||||
| Investment income (net) | +111.0% | +41.7% | +133.2% | +93.2% | +126.5% | |||||||||
| Total income | -34.7% | -14.9% | +128.7% | +30.4% | -12.6% | |||||||||
| Net claims & benefits | — | -112.3% | +3,030.0% | -54.3% | +33.9% | |||||||||
| Profit before tax | -24.0% | +89.7% | — | -149.0% | -28.8% | |||||||||
| Taxation | +88.5% | — | — | -136.5% | -41.5% | |||||||||
| Profit after tax | -50.6% | -36.8% | — | -151.3% | -25.9% | |||||||||
| Profit attributable to shareholders | -62.2% | -19.5% | +1,162.3% | -88.4% | -20.7% | |||||||||
| Per share | ||||||||||||||
| EPS – basic (Rs) | -62.2% | -19.5% | +1,162.1% | -88.4% | -20.7% | |||||||||
| Dividend per share (Rs) | — | — | — | — | — | |||||||||
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 |
|---|---|---|---|---|---|
| Net premium earned | 58.9% | 88.2% | 92.9% | 90.5% | 95.3% |
| Investment income (net) | 38.1% | 11.8% | 7.1% | 6.9% | 4.7% |
| Total income | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% |
| Net claims & benefits | 1.9% | 7.3% | (50.3%) | (3.7%) | (10.5%) |
| Profit before tax | 19.1% | 16.4% | 7.4% | (14.3%) | 38.2% |
| Taxation | (9.1%) | (3.1%) | 10.5% | 1.6% | (5.9%) |
| Profit after tax | 10.0% | 13.2% | 17.8% | (12.7%) | 32.3% |
| Profit attributable to shareholders | 10.4% | 18.0% | 19.0% | 3.4% | 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 108
| 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 | 97.8 | 224.4 | 277.8 | 118.3 | 95.6 |
| Fees & Commissions Income | — | — | — | 3.4 | — |
| Fees & Commissions Expense | 6.9 | 21.4 | 18.1 | — | 4.4 |
| Investment Income/(Expense) - Net - Insurance | 63.2 | 30.0 | 21.2 | 9.1 | 4.7 |
| Investments & Loans - Business - Gain/(Loss) | 4.9 | — | — | — | — |
| Investment Income - Gross - Insurance - Total | 63.2 | 30.0 | 21.2 | 9.1 | 4.7 |
| Investment Securities - Business - Gain/(Loss) | 4.9 | — | — | — | — |
| Revenue from Business-Related Activities - Other - Total | — | — | — | 3.4 | — |
| Revenue from Business Activities - Total | 166.0 | 254.3 | 299.0 | 130.7 | 100.3 |
| Insurance Claims/Reserves - Total | (3.2) | (18.6) | 150.4 | 4.8 | 10.5 |
| Insurance Benefits Paid - Current | (3.2) | (18.6) | 150.4 | 4.8 | 10.5 |
| Selling, General & Administrative Expenses - Total | 144.4 | 157.5 | 113.9 | 161.1 | 92.1 |
| Selling, General & Administrative Expenses - Unclassified | 140.3 | 152.3 | 107.2 | 150.2 | 78.5 |
| Depreciation in Selling, General & Administrative Expenses | 4.1 | 3.4 | 5.6 | 9.5 | 12.1 |
| Amortization of Intangibles in Selling, General & Administrative Expenses | 0.0 | 1.8 | 1.2 | 1.4 | 1.6 |
| Other Operating Expense/(Income) - Net | (13.9) | 54.0 | (5.5) | (16.4) | (46.3) |
| Other Operating Income - Total | 22.2 | 2.7 | 22.8 | 66.1 | 52.5 |
| Operating Expenses - Total | 134.2 | 214.4 | 277.0 | 149.5 | 60.8 |
| Labor & Related Expenses including Stock-Based Compensation in Selling, General & Administrative Expenses | — | — | — | — | — |
| Operating Profit before Non-Recurring Income/(Expense) | 31.7 | 40.0 | 22.0 | (18.8) | 39.5 |
| Other Operating Expense | 8.3 | 56.7 | 17.3 | 49.7 | 6.3 |
| Interest Expense - Net of Capitalized Interest | — | — | — | — | 0.1 |
| Sale of Tangible & Intangible Fixed Assets - Gain/Loss | (0.0) | 1.7 | — | — | (1.1) |
| Normalized Pre-tax Profit | 31.7 | 41.7 | 22.0 | (18.8) | 38.3 |
| Non-Recurring Income/Expense - Total | — | — | — | — | — |
| Impairment - Tangible & Intangible Fixed Assets | — | — | — | — | — |
| Impairment - Fixed Assets | — | — | — | — | — |
| Provision for Income Tax Expense- Unclassified | 15.1 | 8.0 | (31.4) | (2.1) | 5.9 |
| Income before Taxes | 31.7 | 41.7 | 22.0 | (18.8) | 38.3 |
| Income Taxes | 15.1 | 8.0 | (31.4) | (2.1) | 5.9 |
| Net Income after Tax | 16.6 | 33.7 | 53.3 | (16.6) | 32.4 |
| Income before Discontinued Operations & Extraordinary Items | 16.6 | 33.7 | 53.3 | (16.6) | 32.4 |
| Net Income before Minority Interest | 16.6 | 33.7 | 53.3 | (16.6) | 32.4 |
| Minority Interest | (0.7) | (12.1) | (3.6) | (21.1) | (6.4) |
| Net Income after Minority Interest | 17.3 | 45.8 | 56.9 | 4.5 | 38.8 |
| Income Available to Common Shares | 17.3 | 45.8 | 56.9 | 4.5 | 38.8 |
| Other Comprehensive Income - Starting Line | — | — | 53.3 | (16.6) | 32.4 |
| Other Comprehensive Income - Unrealized Investment Gain/(Loss) | — | — | 6.1 | 3.9 | 2.5 |
| Other Comprehensive Income - Net of Tax - Total | — | — | 6.1 | 3.9 | 2.5 |
| Comprehensive Income before Minority Interest - Total | — | — | 59.5 | (12.7) | 34.8 |
| Comprehensive Income - Attributable to Parent Company Equity Holders - Total | — | — | 59.5 | (12.7) | 34.8 |
| DPS - Common - Gross - Issue - By Period End Date Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income - Basic - including Extraordinary Items Applicable to Common - Total | 17.3 | 45.8 | 56.9 | 4.5 | 38.8 |
| Income available to Common excluding Extraordinary Items | 17.3 | 45.8 | 56.9 | 4.5 | 38.8 |
| Shares used to calculate Basic EPS - Total mn | 132.9 | 132.9 | 132.9 | 132.9 | 132.9 |
| EPS - Basic - including Extraordinary Items Applicable to Common - Total Rs | 0.13 | 0.34 | 0.43 | 0.03 | 0.29 |
| EPS - Basic - excluding Extraordinary Items Applicable to Common - Total Rs | 0.13 | 0.34 | 0.43 | 0.03 | 0.29 |
| EPS - Basic - excluding Extraordinary Items - Normalized - Total Rs | 0.13 | 0.34 | 0.43 | 0.03 | 0.29 |
| Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific | 17.3 | 45.8 | 56.9 | 4.5 | 38.8 |
| 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 | 132.9 | 132.9 | 132.9 | 132.9 | 132.9 |
| EPS - Basic - including Extraordinary Items Applicable to Common - Issue Specific Rs | 0.13 | 0.34 | 0.43 | 0.03 | 0.29 |
| EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific Rs | 0.13 | 0.34 | 0.43 | 0.03 | 0.29 |
| EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific Rs | 0.13 | 0.34 | 0.43 | 0.03 | 0.29 |
| EPS - Basic from Discontinued Operations & Extraordinary Items Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Comprehensive Earnings Per Share - Basic - Issue Specific Rs | — | — | 0.45 | (0.10) | 0.26 |
| Dilution Adjustment | — | — | — | — | — |
| Net Income - Diluted - including Extraordinary Items Applicable to Common - Total | 17.3 | 45.8 | 56.9 | 4.5 | 38.8 |
| Diluted Income available to Common excluding Extraordinary Items | 17.3 | 45.8 | 56.9 | 4.5 | 38.8 |
| Shares used to calculate Diluted EPS - Total mn | 132.9 | 132.9 | 132.9 | 132.9 | 132.9 |
| EPS - Diluted - including Extraordinary Items Applicable to Common - Total Rs | 0.13 | 0.34 | 0.43 | 0.03 | 0.29 |
| EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total Rs | 0.13 | 0.34 | 0.43 | 0.03 | 0.29 |
| EPS - Diluted - excluding Extraordinary Items - Normalized - Total Rs | 0.13 | 0.34 | 0.43 | 0.03 | 0.29 |
| Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue Specific | 17.3 | 45.8 | 56.9 | 4.5 | 38.8 |
| 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 | 132.9 | 132.9 | 132.9 | 132.9 | 132.9 |
| EPS - Diluted - including Extraordinary Items Applicable to Common - Issue Specific Rs | 0.13 | 0.34 | 0.43 | 0.03 | 0.29 |
| EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific Rs | 0.13 | 0.34 | 0.43 | 0.03 | 0.29 |
| EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific Rs | 0.13 | 0.34 | 0.43 | 0.03 | 0.29 |
| EPS - Diluted from Discontinued Operations & Extraordinary Items Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Comprehensive Earnings Per Share - Diluted - Issue Specific Rs | — | — | 0.45 | (0.10) | 0.26 |
| DPS - Common - Gross - Issue - By Announcement Date Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| DPS - Common - Net - Issue - By Announcement Date Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Earnings before Interest & Taxes (EBIT) | 31.7 | 40.0 | 22.0 | (18.8) | 39.5 |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) | 35.8 | 45.2 | 28.8 | (7.9) | 53.1 |
| Depreciation & Amortization - Supplemental | 4.1 | 7.0 | 7.9 | 12.3 | 15.2 |
| Depreciation Expense - Total - Supplemental | 4.1 | 3.4 | 5.6 | 9.5 | 12.1 |
| Amortization - Total - Supplemental | 0.0 | 3.6 | 2.3 | 2.8 | 3.2 |
| Intangible Amortization - Other - Supplemental | 0.0 | 3.6 | 2.3 | 2.8 | 3.2 |
| Amortization of Licenses, Copyrights, Property Rights & Designs - Supplemental | 0.0 | 1.8 | 1.1 | 1.2 | 1.4 |
| Amortization of Computer Software - Supplemental | 0.0 | 0.0 | 0.1 | 0.2 | 0.2 |
| Depreciation, Depletion & Amortization - Total | 4.1 | 5.2 | 6.8 | 10.9 | 13.6 |
| Depreciation - Total | 4.1 | 3.4 | 5.6 | 9.5 | 12.1 |
| Amortization of Intangible Assets excluding Goodwill - Total | 0.0 | 1.8 | 1.2 | 1.4 | 1.6 |
| Normalized after Tax Profit | 16.6 | 33.7 | 53.3 | (16.6) | 32.4 |
| Normalized Net Income from Continuing Operations | 16.6 | 33.7 | 53.3 | (16.6) | 32.4 |
| Normalized Net Income - Bottom Line | 17.3 | 45.8 | 56.9 | 4.5 | 38.8 |
| Earnings before Interest & Taxes (EBIT) - Normalized | 31.7 | 41.7 | 22.0 | (18.8) | 38.3 |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized | 35.8 | 46.9 | 28.8 | (7.9) | 52.0 |
| Interest Expense | — | — | — | — | 0.1 |
| Investment Income - Insurance | 63.2 | 30.0 | 21.2 | 9.1 | 4.7 |
| Losses, Benefits & Adjustments - Insurance | (3.2) | (18.6) | 150.4 | 4.8 | 10.5 |
| Operating Expenses | 134.2 | 214.4 | 277.0 | 149.5 | 60.8 |
| Selling, General & Administrative Expenses excluding Research & Development Expenses | 144.4 | 157.5 | 113.9 | 161.1 | 92.1 |
| Total Claim & Loss Expense | (3.2) | (18.6) | 150.4 | 4.8 | 10.5 |
| Underwriting Expenses - Insurance | 137.4 | 232.9 | 126.6 | 144.7 | 50.3 |
| Income before Taxes & Provision for Loan Losses | 31.7 | 41.7 | 22.0 | (18.8) | 38.3 |
| DPS - Common - Gross - Issue - By Payable Date Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| DPS - Common - Gross - Issue - By Ex Date Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Tax Adjusted Operating Income | 17.3 | 45.8 | 56.9 | — | 38.9 |
| Underwriting Expenses minus Losses, Benefits & Adjustments - Insurance | 140.6 | 251.5 | (23.9) | 139.9 | 39.8 |
| Operating Expenses excluding Non-Cash Charges - Total | 130.2 | 209.2 | 270.2 | 138.6 | 47.1 |
| Premiums Earned - Total | 97.8 | 224.4 | 277.8 | 121.7 | 95.6 |
| Losses, Benefits & Adjustments - Total | (3.2) | (18.6) | 150.4 | 4.8 | 10.5 |
| Income Available to Common Shares before Depreciation & Amortization | 21.4 | 51.0 | 63.7 | 15.4 | 52.4 |
| Fixed Charges | — | — | — | — | 0.1 |
| Estimated Tax Rate | 0.29× | 0.29× | 0.29× | 0.29× | 0.29× |
| Total Common & Spl DPS -Gross - Issue - By Announcement Date Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Every line the company reported, in the original order and wording, without regrouping or signs changed.