EFUG EFU General Insurance Limited
Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026
Last close · 16 Oct 2026
Rs 120.72 +0.60%
Quarterly · Q3 FY2021 – Q2 FY2026
EFU General Insurance Limited (EFUG) quarterly income statement
EFU General Insurance Limited reported total income of Rs 21.3 bn for Q2 FY2026 (Apr – Jun 2026), up 23.1% on Q2 FY2025. Tax of Rs 953.8 mn took 32.3% of pre-tax profit. Profit attributable to shareholders was Rs 1.5 bn, up 23.4% on Q2 FY2025, or Rs 7.71 per share.
| Rs bn | 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 | Q2 FY2024 Apr – Jun 2024 | Q1 FY2024 Jan – Mar 2024 | Q4 FY2023 Oct – Dec 2023 | Q3 FY2023 * Jul – Sep 2023 | Q2 FY2023 * Apr – Jun 2023 | Q1 FY2023 * Jan – Mar 2023 | Q4 FY2022 * Oct – Dec 2022 | Q3 FY2022 * Jul – Sep 2022 | Q2 FY2022 * Apr – Jun 2022 | Q1 FY2022 * Jan – Mar 2022 | Q4 FY2021 * Oct – Dec 2021 | Q3 FY2021 * Jul – Sep 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net premium earned | 73.0 | 19.0 | 18.2 | 19.8 | 16.0 | 15.1 | 16.2 | 16.7 | 13.0 | 11.9 | 12.4 | 14.7 | 11.3 | 11.5 | 11.2 | 15.2 | 10.6 | 11.2 | 11.7 | 14.4 | 10.3 |
| Investment income (net) | 19.2 | 2.1 | 2.2 | 7.6 | 7.3 | 1.8 | 2.4 | 34.0 | 2.8 | 2.3 | 2.3 | 2.4 | 1.7 | 2.1 | 1.8 | 2.2 | 1.6 | 1.7 | 1.8 | 3.4 | 3.3 |
| Total income | 95.7 | 21.3 | 20.2 | 28.7 | 25.5 | 17.3 | 18.8 | 26.9 | 16.4 | 14.4 | 14.8 | 19.8 | 12.9 | 13.0 | 11.6 | 17.9 | 12.7 | 12.0 | 13.9 | 15.2 | 10.9 |
| Net claims & benefits | (57.8) | (14.2) | (14.4) | (15.7) | (13.5) | (12.5) | (13.4) | (12.7) | (12.4) | (10.7) | (11.2) | (9.6) | (9.2) | (9.9) | (8.5) | (7.9) | (7.6) | (8.4) | (7.2) | (6.6) | (7.1) |
| Acquisition & underwriting expenses | (2.9) | (0.8) | (0.8) | (0.7) | (0.7) | (0.9) | (0.7) | (0.8) | (0.5) | (0.3) | (0.3) | (0.3) | (0.4) | (0.2) | (0.4) | (0.4) | (0.3) | (0.2) | (0.3) | (0.3) | (0.2) |
| Profit before tax | 11.7 | 3.0 | 2.4 | 2.7 | 3.6 | 2.6 | 2.7 | 1.6 | 1.7 | 3.0 | 2.8 | 3.3 | 2.2 | 1.3 | 1.5 | (0.2) | 0.6 | 0.6 | 1.3 | 2.0 | 0.7 |
| Taxation | (4.6) | (1.0) | (1.2) | (1.1) | (1.4) | (1.1) | (1.2) | (0.7) | (0.7) | (1.2) | (1.3) | (1.2) | (0.9) | (1.4) | (0.6) | 0.0 | (0.3) | (0.8) | (0.5) | (0.6) | (0.2) |
| Profit after tax | 7.1 | 2.0 | 1.3 | 1.6 | 2.2 | 1.5 | 1.5 | 1.0 | 1.0 | 1.8 | 1.5 | 2.1 | 1.3 | (0.1) | 0.8 | (0.2) | 0.4 | (0.1) | 0.8 | 1.3 | 0.5 |
| Profit attributable to shareholders | 5.8 | 1.5 | 1.1 | 1.3 | 1.9 | 1.2 | 1.2 | 0.5 | 0.7 | 1.4 | 1.1 | 1.8 | 1.1 | (0.2) | 0.6 | (0.4) | 0.2 | (0.2) | 0.6 | 1.0 | 0.4 |
| Per share | |||||||||||||||||||||
| EPS – basic (Rs) Rs | 29.18 | 7.71 | 5.58 | 6.55 | 9.35 | 6.25 | 6.10 | 2.53 | 3.70 | 7.06 | 5.61 | 8.94 | 5.53 | (1.06) | 2.96 | (1.77) | 0.99 | (0.81) | 2.86 | 5.18 | 2.03 |
| Dividend per share (Rs) Rs | 10.00 | 1.50 | 1.50 | 5.50 | 1.50 | 1.50 | 1.50 | 5.50 | 1.50 | 1.50 | 1.50 | 5.50 | 1.50 | 1.50 | 1.50 | 5.50 | 1.50 | 1.50 | 1.50 | 5.50 | 1.50 |
| Rs mn | 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 | Q2 FY2024 Apr – Jun 2024 | Q1 FY2024 Jan – Mar 2024 | Q4 FY2023 Oct – Dec 2023 | Q3 FY2023 * Jul – Sep 2023 | Q2 FY2023 * Apr – Jun 2023 | Q1 FY2023 * Jan – Mar 2023 | Q4 FY2022 * Oct – Dec 2022 | Q3 FY2022 * Jul – Sep 2022 | Q2 FY2022 * Apr – Jun 2022 | Q1 FY2022 * Jan – Mar 2022 | Q4 FY2021 * Oct – Dec 2021 | Q3 FY2021 * Jul – Sep 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net premium earned | +26.3% | +12.5% | +18.4% | +23.0% | +26.9% | +30.1% | +13.4% | +15.1% | +3.2% | +10.8% | -3.2% | +6.6% | +3.0% | -4.4% | +5.4% | +3.1% | +8.1% | +6.0% | +13.6% | +2.3% |
| Investment income (net) | +16.6% | -8.6% | -77.6% | +164.7% | -23.0% | +5.8% | +1,321.6% | +59.3% | +10.9% | +25.8% | +11.1% | +6.5% | +21.3% | +2.6% | -36.6% | -50.7% | -46.7% | -44.1% | -2.6% | +22.7% |
| Total income | +23.1% | +7.7% | +6.7% | +55.2% | +19.8% | +26.4% | +35.8% | +27.3% | +11.1% | +28.3% | +10.9% | +1.6% | +8.6% | -16.8% | +17.5% | +16.6% | -18.9% | -1.4% | -19.1% | -32.8% |
| Net claims & benefits | +13.7% | +7.6% | +23.7% | +9.3% | +16.5% | +20.0% | +32.3% | +34.2% | +8.3% | +30.7% | +22.1% | +21.1% | +17.7% | +17.9% | +19.5% | +6.3% | +24.7% | +6.2% | +0.5% | +6.0% |
| Acquisition & underwriting expenses | -14.2% | +10.8% | -11.0% | +50.5% | +204.6% | +98.8% | +139.4% | +23.6% | +23.6% | -7.0% | -18.5% | +39.7% | +4.3% | +42.9% | +63.2% | +7.1% | -1.3% | +21.4% | -2.3% | +19.6% |
| Profit before tax | +13.1% | -10.1% | +69.7% | +117.8% | -13.7% | -2.8% | -51.3% | -25.9% | +136.3% | +90.4% | — | +244.8% | +100.3% | +15.4% | -111.9% | -7.0% | -44.1% | -16.9% | +15.5% | -31.5% |
| Taxation | -11.3% | -2.8% | +65.1% | +112.6% | -13.1% | -6.1% | -44.1% | -24.0% | -11.3% | +96.5% | — | +248.6% | +81.5% | +31.9% | -104.6% | +28.4% | +115.5% | -11.8% | +10.6% | -38.9% |
| Profit after tax | +30.2% | -15.9% | +72.9% | +121.4% | -14.1% | -0.1% | -55.3% | -27.2% | — | +85.5% | — | +242.4% | — | +5.0% | -115.2% | -21.2% | -116.3% | -19.8% | +17.9% | -27.9% |
| Profit attributable to shareholders | +23.4% | -8.6% | +158.5% | +152.6% | -11.6% | +8.7% | -71.7% | -33.1% | — | +89.8% | — | +461.0% | — | +3.5% | -134.1% | -51.5% | -126.0% | -20.0% | +31.2% | -12.6% |
| Per share | ||||||||||||||||||||
| EPS – basic (Rs) | +23.4% | -8.6% | +158.5% | +152.6% | -11.6% | +8.7% | -71.7% | -33.1% | — | +89.8% | — | +461.0% | — | +3.5% | -134.1% | -51.5% | -126.0% | -20.0% | +31.2% | -12.6% |
| Dividend per share (Rs) | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
Change against the same quarter a year earlier; shown when the earlier figure is positive.
| Rs mn | 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 | Q2 FY2024 Apr – Jun 2024 | Q1 FY2024 Jan – Mar 2024 | Q4 FY2023 Oct – Dec 2023 | Q3 FY2023 * Jul – Sep 2023 | Q2 FY2023 * Apr – Jun 2023 | Q1 FY2023 * Jan – Mar 2023 | Q4 FY2022 * Oct – Dec 2022 | Q3 FY2022 * Jul – Sep 2022 | Q2 FY2022 * Apr – Jun 2022 | Q1 FY2022 * Jan – Mar 2022 | Q4 FY2021 * Oct – Dec 2021 | Q3 FY2021 * Jul – Sep 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net premium earned | 89.3% | 90.0% | 68.8% | 62.7% | 87.1% | 86.2% | 62.0% | 79.2% | 82.2% | 83.7% | 74.3% | 87.5% | 88.6% | 96.9% | 85.0% | 83.4% | 93.4% | 84.4% | 94.8% | 94.3% |
| Investment income (net) | 9.9% | 11.0% | 26.6% | 28.6% | 10.4% | 12.9% | 126.4% | 16.7% | 16.2% | 15.4% | 12.1% | 13.4% | 16.2% | 15.8% | 12.0% | 12.8% | 14.5% | 12.8% | 22.3% | 30.2% |
| Total income | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% |
| Net claims & benefits | (66.5%) | (71.4%) | (54.8%) | (52.9%) | (72.0%) | (71.5%) | (47.3%) | (75.1%) | (74.0%) | (75.3%) | (48.5%) | (71.3%) | (76.0%) | (73.9%) | (44.0%) | (59.8%) | (70.1%) | (52.2%) | (43.3%) | (65.6%) |
| Acquisition & underwriting expenses | (3.5%) | (3.7%) | (2.5%) | (2.7%) | (5.1%) | (3.6%) | (3.0%) | (2.8%) | (2.0%) | (2.3%) | (1.7%) | (2.8%) | (1.8%) | (3.2%) | (2.3%) | (2.1%) | (1.9%) | (1.9%) | (1.6%) | (2.3%) |
| Profit before tax | 13.9% | 12.0% | 9.5% | 14.2% | 15.1% | 14.4% | 6.0% | 10.1% | 20.9% | 18.7% | 16.6% | 17.3% | 9.8% | 12.6% | (1.3%) | 5.1% | 5.3% | 9.1% | 12.9% | 6.4% |
| Taxation | (4.5%) | (5.7%) | (3.8%) | (5.7%) | (6.2%) | (6.4%) | (2.4%) | (4.1%) | (8.6%) | (8.6%) | (5.9%) | (6.9%) | (10.7%) | (5.6%) | 0.2% | (2.0%) | (6.4%) | (3.5%) | (4.1%) | (1.8%) |
| Profit after tax | 9.4% | 6.2% | 5.7% | 8.5% | 8.9% | 8.0% | 3.5% | 5.9% | 12.4% | 10.1% | 10.7% | 10.4% | (0.9%) | 7.0% | (1.1%) | 3.1% | (1.1%) | 5.5% | 8.9% | 4.6% |
| Profit attributable to shareholders | 7.2% | 5.5% | 4.6% | 7.3% | 7.2% | 6.5% | 1.9% | 4.5% | 9.8% | 7.6% | 9.0% | 8.6% | (1.6%) | 5.1% | (2.0%) | 1.6% | (1.4%) | 4.1% | 6.8% | 3.7% |
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. TTM = the latest four quarters added together. * 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
| Rs bn | 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 | Q2 FY2024 Apr – Jun 2024 | Q1 FY2024 Jan – Mar 2024 | Q4 FY2023 Oct – Dec 2023 | Q3 FY2023 Jul – Sep 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Premiums Earned | 19.0 | 18.2 | 19.8 | 16.0 | 15.1 | 16.2 | 16.7 | 13.0 | 11.9 | 12.4 | 14.7 | 11.3 |
| Premiums Written - Gross | 26.4 | 26.0 | 28.0 | 23.5 | 22.3 | 23.2 | 23.0 | 20.0 | 18.4 | 19.3 | 20.2 | 17.4 |
| Premiums Ceded Out & Unearned - Reinsurance | 7.3 | 7.8 | 8.2 | 7.5 | 7.3 | 7.0 | 6.3 | 7.0 | 6.5 | 6.9 | 5.5 | 6.1 |
| Fees & Commissions Income | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Fees & Commissions Expense | 2.8 | 2.7 | 3.3 | 2.6 | 2.4 | 2.5 | 2.4 | 2.3 | 1.9 | 1.9 | 2.4 | 1.9 |
| Investment Income/(Expense) - Net - Insurance | 2.1 | 2.2 | 7.6 | 7.3 | 1.8 | 2.4 | 34.0 | 2.8 | 2.3 | 2.3 | 2.4 | 1.7 |
| Investments & Loans - Business - Gain/(Loss) | 0.1 | (0.2) | 1.3 | 2.2 | 0.4 | 0.1 | (23.8) | 0.6 | 0.2 | 0.1 | 2.7 | (0.2) |
| Investment Income - Gross - Insurance - Total | 2.1 | 2.3 | 7.7 | 7.3 | 1.8 | 2.4 | 34.0 | 2.8 | 2.3 | 2.3 | 2.4 | 1.7 |
| Investment Expense - Insurance - Total | 0.0 | 0.1 | 0.1 | 0.1 | 0.0 | 0.0 | (0.0) | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Investment Securities - Business - Gain/(Loss) | 0.1 | (0.2) | (15.3) | 1.7 | 0.2 | 0.1 | (31.1) | (0.0) | 0.0 | 0.1 | 2.7 | (0.2) |
| Revenue from Business-Related Activities - Other - Total | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Derivatives - Hedging - Business - Gain/(Loss) | — | — | — | — | (0.1) | (0.0) | — | — | (0.0) | — | — | — |
| Derivatives - Hedging - Business - Fair Value Adjustments - Gain/(Loss) | — | — | — | — | (0.1) | (0.0) | — | — | (0.0) | — | — | — |
| Gain/(Loss) on Sale of Financial Instruments - Other | — | — | 16.6 | 0.5 | 0.3 | — | 7.3 | 0.7 | 0.2 | — | — | — |
| Revenue from Business Activities - Total | 21.3 | 20.2 | 28.7 | 25.5 | 17.3 | 18.8 | 26.9 | 16.4 | 14.4 | 14.8 | 19.8 | 12.9 |
| Insurance Claims/Reserves - Total | 14.2 | 14.4 | 15.7 | 13.5 | 12.5 | 13.4 | 12.7 | 12.4 | 10.7 | 11.2 | 9.6 | 9.2 |
| Insurance Benefits Paid - Current | 14.2 | 14.4 | 15.7 | 13.5 | 12.5 | 13.4 | 12.7 | 12.4 | 10.7 | 11.2 | 9.6 | 9.2 |
| Selling, General & Administrative Expenses - Total | 2.9 | 2.1 | 2.3 | 2.1 | 2.1 | 2.0 | 2.0 | 2.3 | 2.2 | 1.9 | 2.1 | 1.7 |
| Underwriting Expenses | 0.8 | 0.8 | 0.7 | 0.7 | 0.9 | 0.7 | 0.8 | 0.5 | 0.3 | 0.3 | 0.3 | 0.4 |
| Policy Acquisition Costs - Total | 0.8 | 0.8 | 0.7 | 0.7 | 0.9 | 0.7 | 0.8 | 0.5 | 0.3 | 0.3 | 0.3 | 0.4 |
| Other Operating Expense/(Income) - Net | (0.2) | (0.1) | (0.1) | (0.0) | (0.1) | (0.1) | (0.2) | (0.2) | (0.2) | (0.2) | (0.2) | (0.3) |
| Other Operating Income - Total | 0.3 | 0.2 | 0.3 | 0.1 | 0.2 | 0.2 | 0.7 | 0.3 | 0.3 | 0.3 | 0.5 | 0.3 |
| Operating Expenses - Total | 20.4 | 19.8 | 21.9 | 18.9 | 17.7 | 18.5 | 17.8 | 17.1 | 14.8 | 15.2 | 14.3 | 12.9 |
| Operating Profit before Non-Recurring Income/(Expense) | 0.8 | 0.4 | 6.8 | 6.6 | (0.4) | 0.3 | 9.2 | (0.7) | (0.4) | (0.3) | 5.5 | (0.0) |
| Other Operating Expense | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.5 | 0.1 | 0.1 | 0.1 | 0.4 | 0.0 |
| Interest Expense - Net of Capitalized Interest | 0.0 | 0.0 | 0.1 | 0.0 | 0.0 | 0.0 | 0.1 | — | 0.0 | — | 0.1 | — |
| Sale of Tangible & Intangible Fixed Assets - Gain/Loss | 0.0 | 0.1 | 0.1 | 0.0 | 0.1 | 0.1 | 0.0 | 0.1 | 0.1 | 0.1 | 0.2 | 0.1 |
| Equity Earnings/(Loss) - before Taxes including Non-Recurring | 0.0 | (0.0) | 0.0 | — | — | — | 0.0 | — | — | — | — | — |
| Foreign Exchange Gain/(Loss) - Non-Business | (0.0) | (0.0) | 0.0 | 0.0 | 0.0 | (0.0) | (0.0) | 0.0 | 0.0 | (0.0) | 0.0 | 0.0 |
| Normalized Pre-tax Profit | 0.9 | 0.4 | 6.8 | 6.6 | (0.4) | 0.3 | 9.1 | (0.6) | (0.3) | (0.2) | 5.6 | 0.1 |
| Non-Recurring Income/Expense - Total | 2.1 | 2.0 | (4.1) | (3.0) | 3.0 | 2.4 | (7.5) | 2.2 | 3.3 | 3.0 | (2.3) | 2.2 |
| Impairment - Tangible & Intangible Fixed Assets | — | — | 0.9 | — | — | — | 1.7 | — | — | — | 0.4 | — |
| Impairment - Financial Investments | 0.0 | 0.0 | (0.2) | (0.0) | (0.0) | (0.0) | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 | (0.0) |
| Early Extinguishment of Lease Related Debts - Gain/(Loss) | 0.0 | 0.0 | 0.0 | (0.0) | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Fair Value Adjustments - Financial Investments | 18.0 | (8.6) | 3.3 | 16.5 | 8.2 | 5.2 | 13.1 | 10.4 | 13.0 | 9.3 | 10.3 | 10.1 |
| Income before Taxes | 3.0 | 2.4 | 2.7 | 3.6 | 2.6 | 2.7 | 1.6 | 1.7 | 3.0 | 2.8 | 3.3 | 2.2 |
| Income Taxes | 1.0 | 1.2 | 1.1 | 1.4 | 1.1 | 1.2 | 0.7 | 0.7 | 1.2 | 1.3 | 1.2 | 0.9 |
| Impairment - Goodwill | — | — | 0.9 | — | — | — | 1.7 | — | — | — | 0.4 | — |
| Income Taxes for the Year - Current | 1.2 | 1.0 | (0.2) | 1.3 | 1.2 | 1.4 | 0.8 | 0.6 | 1.2 | 1.2 | 1.2 | 0.9 |
| Income Taxes - Deferred | (0.2) | (0.2) | 0.0 | 0.2 | (0.1) | (0.2) | (0.3) | (0.2) | 0.0 | 0.1 | — | — |
| Income Taxes - Other (by Type) | — | 0.4 | 1.3 | — | — | — | 0.2 | 0.2 | — | — | 0.0 | 0.0 |
| Fair Value Adjustments - Other Assets | (15.9) | 10.6 | (6.6) | (19.5) | (5.2) | (2.9) | (18.9) | (8.2) | (9.6) | (6.3) | (12.1) | (8.0) |
| Net Income after Tax | 2.0 | 1.3 | 1.6 | 2.2 | 1.5 | 1.5 | 1.0 | 1.0 | 1.8 | 1.5 | 2.1 | 1.3 |
| Income before Discontinued Operations & Extraordinary Items | 2.0 | 1.3 | 1.6 | 2.2 | 1.5 | 1.5 | 1.0 | 1.0 | 1.8 | 1.5 | 2.1 | 1.3 |
| Net Income before Minority Interest | 2.0 | 1.3 | 1.6 | 2.2 | 1.5 | 1.5 | 1.0 | 1.0 | 1.8 | 1.5 | 2.1 | 1.3 |
| Minority Interest | 0.5 | 0.1 | 0.3 | 0.3 | 0.3 | 0.3 | 0.4 | 0.2 | 0.4 | 0.4 | 0.3 | 0.2 |
| Net Income after Minority Interest | 1.5 | 1.1 | 1.3 | 1.9 | 1.2 | 1.2 | 0.5 | 0.7 | 1.4 | 1.1 | 1.8 | 1.1 |
| Income Available to Common Shares | 1.5 | 1.1 | 1.3 | 1.9 | 1.2 | 1.2 | 0.5 | 0.7 | 1.4 | 1.1 | 1.8 | 1.1 |
| Other Comprehensive Income - Starting Line | 2.0 | 1.3 | 1.6 | 2.2 | 1.5 | 1.5 | 1.0 | 1.0 | 1.8 | 1.5 | — | 1.3 |
| Other Comprehensive Income - Foreign Currency | 0.0 | (0.0) | (0.0) | (0.0) | 0.0 | 0.0 | 0.0 | (0.0) | 0.0 | (0.0) | — | 0.0 |
| Other Comprehensive Income - Unrealized Investment Gain/(Loss) | 1.4 | (1.8) | (0.7) | 0.6 | 0.3 | (0.3) | 0.4 | 0.7 | 0.5 | 0.4 | — | 0.3 |
| Other Comprehensive Income - Other | 0.0 | — | (0.1) | (0.0) | 0.0 | — | (0.1) | 0.0 | 0.0 | (0.0) | — | 0.0 |
| Other Comprehensive Income - Income Tax | — | — | — | — | — | — | 0.7 | (0.3) | — | (0.2) | — | (0.1) |
| Other Comprehensive Income - Net of Tax - Total | 1.4 | (1.8) | (0.8) | 0.6 | 0.3 | (0.3) | 1.0 | 0.4 | 0.5 | 0.3 | — | 0.2 |
| Comprehensive Income before Minority Interest - Total | 3.4 | (0.5) | 0.9 | 2.7 | 1.8 | 1.2 | 2.0 | 1.4 | 2.3 | 1.8 | — | 1.5 |
| Comprehensive Income - Attributable to Minority Interest - Total | 0.5 | 0.1 | 0.3 | 0.3 | 0.3 | 0.3 | 0.5 | 0.3 | 0.4 | 0.4 | — | 0.3 |
| Comprehensive Income - Attributable to Parent Company Equity Holders - Total | 2.9 | (0.6) | 0.5 | 2.4 | 1.5 | 0.9 | 1.5 | 1.1 | 1.9 | 1.4 | — | 1.2 |
| DPS - Common - Gross - Issue - By Period End Date Rs | 1.50 | 1.50 | 5.50 | 1.50 | 1.50 | 1.50 | 5.50 | 1.50 | 1.50 | 1.50 | 5.50 | 1.50 |
| Net Income - Basic - including Extraordinary Items Applicable to Common - Total | 1.5 | 1.1 | 1.3 | 1.9 | 1.2 | 1.2 | 0.5 | 0.7 | 1.4 | 1.1 | 1.8 | 1.1 |
| Income available to Common excluding Extraordinary Items | 1.5 | 1.1 | 1.3 | 1.9 | 1.2 | 1.2 | 0.5 | 0.7 | 1.4 | 1.1 | 1.8 | 1.1 |
| Shares used to calculate Basic EPS - Total mn | 200.0 | 200.0 | 200.0 | 200.0 | 200.0 | 200.0 | 200.0 | 200.0 | 200.0 | 200.0 | 200.0 | 200.0 |
| EPS - Basic - including Extraordinary Items Applicable to Common - Total Rs | 7.71 | 5.58 | 6.55 | 9.35 | 6.25 | 6.10 | 2.53 | 3.70 | 7.06 | 5.61 | 8.94 | 5.53 |
| EPS - Basic - excluding Extraordinary Items Applicable to Common - Total Rs | 7.71 | 5.58 | 6.55 | 9.35 | 6.25 | 6.10 | 2.53 | 3.70 | 7.06 | 5.61 | 8.94 | 5.53 |
| EPS - Basic - excluding Extraordinary Items - Normalized - Total Rs | (2.79) | (4.45) | 26.94 | 24.35 | (8.87) | (5.84) | 39.82 | (7.40) | (9.58) | (9.35) | 20.49 | (5.31) |
| Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific | 1.5 | 1.1 | 1.3 | 1.9 | 1.2 | 1.2 | 0.5 | 0.7 | 1.4 | 1.1 | 1.8 | 1.1 |
| Earnings Allocation Factor - Basic - Issue Specific | 1.00× | 1.00× | 1.00× | 1.00× | 1.00× | 1.00× | 1.00× | 1.00× | 1.00× | 1.00× | 1.00× | 1.00× |
| Shares used to calculate Basic EPS - Issue Specific mn | 200.0 | 200.0 | 200.0 | 200.0 | 200.0 | 200.0 | 200.0 | 200.0 | 200.0 | 200.0 | 200.0 | 200.0 |
| EPS - Basic - including Extraordinary Items Applicable to Common - Issue Specific Rs | 7.71 | 5.58 | 6.55 | 9.35 | 6.25 | 6.10 | 2.53 | 3.70 | 7.06 | 5.61 | 8.94 | 5.53 |
| EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific Rs | 7.71 | 5.58 | 6.55 | 9.35 | 6.25 | 6.10 | 2.53 | 3.70 | 7.06 | 5.61 | 8.94 | 5.53 |
| EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific Rs | (2.79) | (4.45) | 26.94 | 24.35 | (8.87) | (5.84) | 39.82 | (7.40) | (9.58) | (9.35) | 20.49 | (5.31) |
| EPS - Basic from Discontinued Operations & Extraordinary Items Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Comprehensive Earnings Per Share - Basic - Issue Specific Rs | 14.73 | (3.23) | 2.56 | 12.06 | 7.61 | 4.52 | 7.44 | 5.74 | 9.38 | 6.85 | — | 6.23 |
| Net Income - Diluted - including Extraordinary Items Applicable to Common - Total | 1.5 | 1.1 | 1.3 | 1.9 | 1.2 | 1.2 | 0.5 | 0.7 | 1.4 | 1.1 | 1.8 | 1.1 |
| Diluted Income available to Common excluding Extraordinary Items | 1.5 | 1.1 | 1.3 | 1.9 | 1.2 | 1.2 | 0.5 | 0.7 | 1.4 | 1.1 | 1.8 | 1.1 |
| Shares used to calculate Diluted EPS - Total mn | 200.0 | 200.0 | 200.0 | 200.0 | 200.0 | 200.0 | 200.0 | 200.0 | 200.0 | 200.0 | 200.0 | 200.0 |
| EPS - Diluted - including Extraordinary Items Applicable to Common - Total Rs | 7.71 | 5.58 | 6.55 | 9.35 | 6.25 | 6.10 | 2.53 | 3.70 | 7.06 | 5.61 | 8.94 | 5.53 |
| EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total Rs | 7.71 | 5.58 | 6.55 | 9.35 | 6.25 | 6.10 | 2.53 | 3.70 | 7.06 | 5.61 | 8.94 | 5.53 |
| EPS - Diluted - excluding Extraordinary Items - Normalized - Total Rs | (2.79) | (4.45) | 26.94 | 24.35 | (8.87) | (5.84) | 39.82 | (7.40) | (9.58) | (9.35) | 20.49 | (5.31) |
| Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue Specific | 1.5 | 1.1 | 1.3 | 1.9 | 1.2 | 1.2 | 0.5 | 0.7 | 1.4 | 1.1 | 1.8 | 1.1 |
| Earnings Allocation Factor - Diluted - Issue Specific | 1.00× | 1.00× | 1.00× | 1.00× | 1.00× | 1.00× | 1.00× | 1.00× | 1.00× | 1.00× | 1.00× | 1.00× |
| Shares used to calculate Diluted EPS - Issue Specific mn | 200.0 | 200.0 | 200.0 | 200.0 | 200.0 | 200.0 | 200.0 | 200.0 | 200.0 | 200.0 | 200.0 | 200.0 |
| EPS - Diluted - including Extraordinary Items Applicable to Common - Issue Specific Rs | 7.71 | 5.58 | 6.55 | 9.35 | 6.25 | 6.10 | 2.53 | 3.70 | 7.06 | 5.61 | 8.94 | 5.53 |
| EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific Rs | 7.71 | 5.58 | 6.55 | 9.35 | 6.25 | 6.10 | 2.53 | 3.70 | 7.06 | 5.61 | 8.94 | 5.53 |
| EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific Rs | (2.79) | (4.45) | 26.94 | 24.35 | (8.87) | (5.84) | 39.82 | (7.40) | (9.58) | (9.35) | 20.49 | (5.31) |
| EPS - Diluted from Discontinued Operations & Extraordinary Items Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Comprehensive Earnings Per Share - Diluted - Issue Specific Rs | 14.73 | (3.23) | 2.56 | 12.06 | 7.61 | 4.52 | 7.44 | 5.74 | 9.38 | 6.85 | — | 6.23 |
| DPS - Common - Gross - Issue - By Announcement Date Rs | 1.50 | 5.50 | 1.50 | 1.50 | 1.50 | 5.50 | 1.50 | 1.50 | 1.50 | 5.50 | 1.50 | 1.50 |
| DPS - Common - Net - Issue - By Announcement Date Rs | 1.35 | 4.95 | 1.35 | 1.35 | 1.35 | 4.95 | 1.35 | 1.35 | 1.35 | 4.95 | 1.35 | 1.35 |
| Earnings before Interest & Taxes (EBIT) | 0.8 | 0.4 | 6.8 | 6.6 | (0.4) | 0.3 | 9.2 | (0.7) | (0.4) | (0.3) | 5.5 | (0.0) |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) | 1.2 | 0.8 | 7.1 | 6.8 | (0.4) | 0.3 | 9.7 | (0.2) | 0.1 | 0.1 | 5.7 | 0.4 |
| Depreciation & Amortization - Supplemental | 0.3 | 0.3 | 0.3 | 0.2 | — | — | — | — | 0.5 | 0.4 | 0.2 | 0.4 |
| Depreciation Expense - Total - Supplemental | 0.3 | 0.3 | 0.3 | 0.2 | — | — | — | — | — | 0.3 | 0.1 | 0.3 |
| Amortization - Total - Supplemental | — | — | — | — | — | — | — | — | — | 0.1 | 0.1 | 0.1 |
| Intangible Amortization - Other - Supplemental | — | — | — | — | — | — | — | — | — | 0.1 | 0.1 | 0.1 |
| Depreciation, Depletion & Amortization - Total | 0.3 | 0.3 | 0.3 | 0.2 | — | — | 0.5 | 0.5 | 0.5 | 0.4 | 0.2 | 0.4 |
| Depreciation - Total | 0.3 | 0.3 | 0.3 | 0.2 | — | — | — | — | — | 0.3 | 0.1 | 0.3 |
| Amortization of Intangible Assets excluding Goodwill - Total | — | — | — | — | — | — | — | — | — | 0.1 | 0.1 | 0.1 |
| Normalized after Tax Profit | (0.1) | (0.7) | 5.7 | 5.2 | (1.5) | (0.9) | 8.4 | (1.2) | (1.5) | (1.5) | 4.4 | (0.8) |
| Normalized Net Income from Continuing Operations | (0.1) | (0.7) | 5.7 | 5.2 | (1.5) | (0.9) | 8.4 | (1.2) | (1.5) | (1.5) | 4.4 | (0.8) |
| Normalized Net Income - Bottom Line | (0.6) | (0.9) | 5.4 | 4.9 | (1.8) | (1.2) | 8.0 | (1.5) | (1.9) | (1.9) | 4.1 | (1.1) |
| Earnings before Interest & Taxes (EBIT) - Normalized | 0.9 | 0.5 | 6.9 | 6.6 | (0.4) | 0.3 | 9.2 | (0.6) | (0.3) | (0.2) | 5.7 | 0.1 |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized | 1.2 | 0.8 | 7.1 | 6.8 | — | — | 9.7 | (0.1) | 0.2 | 0.2 | 5.9 | 0.4 |
| Interest Expense | 0.0 | 0.0 | 0.1 | 0.0 | 0.0 | 0.0 | 0.1 | — | 0.0 | — | 0.1 | — |
| Investment Income - Insurance | 2.1 | 2.2 | 7.6 | 7.3 | 1.8 | 2.4 | 34.0 | 2.8 | 2.3 | 2.3 | 2.4 | 1.7 |
| Losses, Benefits & Adjustments - Insurance | 14.2 | 14.4 | 15.7 | 13.5 | 12.5 | 13.4 | 12.7 | 12.4 | 10.7 | 11.2 | 9.6 | 9.2 |
| Operating Expenses | 20.4 | 19.8 | 21.9 | 18.9 | 17.7 | 18.5 | 17.8 | 17.1 | 14.8 | 15.2 | 14.3 | 12.9 |
| Premiums Ceded Out & Unearned - Total | 7.3 | 7.8 | 8.2 | 7.5 | 7.3 | 7.0 | 6.3 | 7.0 | 6.5 | 6.9 | 5.5 | 6.1 |
| Selling, General & Administrative Expenses excluding Research & Development Expenses | 2.9 | 2.1 | 2.3 | 2.1 | 2.1 | 2.0 | 2.0 | 2.3 | 2.2 | 1.9 | 2.1 | 1.7 |
| Total Claim & Loss Expense | 14.2 | 14.4 | 15.7 | 13.5 | 12.5 | 13.4 | 12.7 | 12.4 | 10.7 | 11.2 | 9.6 | 9.2 |
| Underwriting & Commissions | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Underwriting Expenses - Insurance | 6.3 | 5.4 | 6.2 | 5.4 | 5.3 | 5.1 | 5.0 | 4.8 | 4.1 | 4.0 | 4.7 | 3.7 |
| Income before Taxes & Provision for Loan Losses | 3.0 | 2.4 | 2.7 | 3.6 | 2.6 | 2.7 | 1.6 | 1.7 | 3.0 | 2.8 | 3.3 | 2.2 |
| DPS - Common - Gross - Issue - By Payable Date Rs | 1.50 | 5.50 | 1.50 | 1.50 | 1.50 | 5.50 | 1.50 | 1.50 | 1.50 | 5.50 | 1.50 | 1.50 |
| DPS - Common - Gross - Issue - By Ex Date Rs | 1.50 | 5.50 | 1.50 | 1.50 | 1.50 | 5.50 | 1.50 | 1.50 | 1.50 | 5.50 | 1.50 | 1.50 |
| Tax Adjusted Operating Income | 1.6 | 1.1 | 1.3 | 1.9 | 1.3 | 1.2 | 0.6 | 0.7 | 1.4 | 1.1 | 1.8 | 1.1 |
| Underwriting Expenses minus Losses, Benefits & Adjustments - Insurance | (7.9) | (9.1) | (9.5) | (8.1) | (7.2) | (8.3) | (7.7) | (7.6) | (6.6) | (7.2) | (4.9) | (5.5) |
| Operating Expenses excluding Non-Cash Charges - Total | 20.1 | 19.5 | 21.7 | 18.7 | — | — | 17.2 | 16.6 | 14.3 | 14.7 | 14.1 | 12.6 |
| Premiums Earned - Total | 19.1 | 18.2 | 19.8 | 16.0 | 15.1 | 16.2 | 16.7 | 13.1 | 11.9 | 12.5 | 14.8 | 11.3 |
| Losses, Benefits & Adjustments - Total | 14.2 | 14.4 | 15.7 | 13.5 | 12.5 | 13.4 | 12.7 | 12.4 | 10.7 | 11.2 | 9.6 | 9.2 |
| Income Available to Common Shares before Depreciation & Amortization | 1.9 | 1.5 | 1.6 | 2.1 | — | — | 1.0 | 1.2 | 1.9 | 1.6 | 2.0 | 1.5 |
| Fixed Charges | 0.0 | 0.0 | 0.1 | 0.0 | 0.0 | 0.0 | 0.1 | — | 0.0 | — | 0.1 | — |
| Net Premiums Written | 19.0 | 18.2 | 19.8 | 16.0 | 15.1 | 16.2 | 16.7 | 13.0 | 11.9 | 12.4 | 14.7 | 11.3 |
| Estimated Tax Rate | 0.29× | 0.29× | 0.29× | 0.29× | 0.29× | 0.29× | 0.29× | 0.29× | 0.29× | 0.29× | 0.29× | 0.29× |
| Total Common & Spl DPS -Gross - Issue - By Announcement Date Rs | 1.50 | 5.50 | 1.50 | 1.50 | 1.50 | 5.50 | 1.50 | 1.50 | 1.50 | 5.50 | 1.50 | 1.50 |
Every line the company reported, in the original order and wording, without regrouping or signs changed. Latest 12 periods; the table above goes back further.