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EWIC East West Insurance Company Limited

Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026

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Last close · 16 Oct 2026

Rs 58.14 0.00%

Annual · FY2007 – FY2025

East West Insurance Company Limited (EWIC) income statement

East West Insurance Company Limited reported total income of Rs 8.0 bn for FY2025 (Jan – Dec 2025), up 65.4% on FY2024. Tax of Rs 478.9 mn took 24.8% of pre-tax profit. Profit attributable to shareholders was Rs 1.4 bn, up 49.0% on FY2024, or Rs 4.68 per share.

EWIC 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 7,286.2 4,304.0 3,806.0 2,732.4 2,117.5
Investment income (net) 83.6 227.6 306.3 — —
Total income 7,951.8 4,806.5 4,175.2 2,917.6 2,209.0
Net claims & benefits (3,277.5) (1,944.8) (1,824.4) (1,325.1) (887.4)
Acquisition & underwriting expenses (1,598.8) (821.6) (908.3) (541.1) (478.0)
Profit before tax 1,928.4 1,196.8 676.6 477.3 357.5
Taxation (478.9) (224.0) (93.4) (89.2) (45.0)
Profit after tax 1,449.5 972.9 583.1 388.1 312.5
Profit attributable to shareholders 1,449.5 972.9 583.1 388.1 312.5
Per share
EPS – basic (Rs) Rs 4.68 3.29 1.96 1.51 1.21
Dividend per share (Rs) Rs 0.00 0.00 0.00 0.00 0.00
EWIC 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 +69.3% +13.1% +39.3% +29.0% +14.3%
Investment income (net) -63.3% -25.7% — — —
Total income +65.4% +15.1% +43.1% +32.1% +14.1%
Net claims & benefits +68.5% +6.6% +37.7% +49.3% +8.5%
Acquisition & underwriting expenses +94.6% -9.5% +67.9% +13.2% +31.1%
Profit before tax +61.1% +76.9% +41.8% +33.5% +20.2%
Taxation +113.9% +139.7% +4.8% +98.0% -31.8%
Profit after tax +49.0% +66.8% +50.3% +24.2% +35.0%
Profit attributable to shareholders +49.0% +66.8% +50.3% +24.2% +35.0%
Per share
EPS – basic (Rs) +42.2% +68.4% +29.9% +24.3% +35.0%
Dividend per share (Rs) — — — — —

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

EWIC 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 91.6% 89.5% 91.2% 93.7% 95.9%
Investment income (net) 1.1% 4.7% 7.3% — —
Total income 100.0% 100.0% 100.0% 100.0% 100.0%
Net claims & benefits (41.2%) (40.5%) (43.7%) (45.4%) (40.2%)
Acquisition & underwriting expenses (20.1%) (17.1%) (21.8%) (18.5%) (21.6%)
Profit before tax 24.3% 24.9% 16.2% 16.4% 16.2%
Taxation (6.0%) (4.7%) (2.2%) (3.1%) (2.0%)
Profit after tax 18.2% 20.2% 14.0% 13.3% 14.1%
Profit attributable to shareholders 18.2% 20.2% 14.0% 13.3% 14.1%

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 128
EWIC income statement — all reported line items (Rs bn)
Rs bn FY2025 Jan – Dec 2025 FY2024 Jan – Dec 2024 FY2023 Jan – Dec 2023 FY2022 Jan – Dec 2022 FY2021 Jan – Dec 2021
Net Premiums Earned 7.3 4.3 3.8 2.7 2.1
Premiums Written - Gross 10.1 7.1 6.2 4.8 3.8
Premiums Ceded Out & Unearned - Reinsurance 2.8 2.8 2.4 2.1 1.7
Premiums Ceded Out to Reinsurance - Unearned 2.8 2.8 2.4 2.1 1.7
Fees & Commissions Income — — — — 0.0
Investment Income/(Expense) - Net - Insurance 0.1 0.2 0.3 — —
Investments & Loans - Business - Gain/(Loss) 0.6 0.3 0.1 0.2 0.1
Investment Income - Gross - Insurance - Total 0.1 0.2 0.3 — —
Investment Securities - Business - Gain/(Loss) 0.6 0.3 0.1 0.2 0.1
Revenue from Business-Related Activities - Other - Total — — — — 0.0
Revenue from Business Activities - Total 8.0 4.8 4.2 2.9 2.2
Insurance Claims/Reserves - Total 3.3 1.9 1.8 1.3 0.9
Insurance Benefits Paid - Current 3.3 1.9 1.8 1.3 0.9
Non-Life Insurance Benefits Paid — — — — —
Selling, General & Administrative Expenses - Total 1.5 1.1 0.8 0.5 0.4
Selling, General & Administrative Expenses - Unclassified 0.9 0.7 0.4 0.3 0.2
Depreciation in Selling, General & Administrative Expenses 0.1 0.0 0.0 0.0 0.0
Amortization of Intangibles in Selling, General & Administrative Expenses 0.0 0.0 0.0 0.0 0.0
Underwriting Expenses 1.6 0.8 0.9 0.5 0.5
Policy Acquisition Costs - Total 1.6 0.8 0.9 0.5 0.5
Other Operating Expense/(Income) - Net 0.1 0.1 0.1 0.1 0.1
Other Operating Income - Total 0.0 0.0 0.0 0.0 0.0
Fee & Commission Expense - Insurance 1.6 0.8 0.9 0.5 0.5
Operating Expenses - Total 6.5 4.0 3.6 2.5 1.9
Labor & Related Expenses including Stock-Based Compensation in Selling, General & Administrative Expenses 0.6 0.4 0.3 0.2 0.2
Selling, General & Administrative Expenses - Other - Total 0.0 0.0 0.0 0.0 0.0
Advertising Expense 0.0 0.0 0.0 0.0 0.0
Rental Expense 0.0 0.0 0.0 0.0 0.0
Operating Profit before Non-Recurring Income/(Expense) 1.4 0.8 0.6 0.4 0.3
Other Operating Expense 0.2 0.1 0.1 0.1 0.1
Interest Expense - Net of Capitalized Interest 0.0 0.0 0.0 0.0 0.0
Sale of Tangible & Intangible Fixed Assets - Gain/Loss 0.0 0.0 0.0 0.0 0.0
Other Non-Operating Income/(Expense) - Total 0.1 0.1 0.1 0.0 0.0
Supplementary Adjustments - Non-Operating - Decrease/(Increase) — — — — —
Normalized Pre-tax Profit 1.6 0.9 0.6 0.5 0.4
Non-Recurring Income/Expense - Total 0.3 0.3 0.0 — —
Fair Value Adjustments - Financial Investments 0.3 0.3 0.0 — —
Provision for Income Tax Expense- Unclassified — — — — —
Income before Taxes 1.9 1.2 0.7 0.5 0.4
Income Taxes 0.5 0.2 0.1 0.1 0.0
Income Taxes for the Year - Current 0.5 0.3 0.2 0.1 0.1
Income Taxes - Deferred 0.1 0.0 (0.0) (0.0) (0.0)
Income Taxes - Other (by Type) (0.1) (0.1) (0.1) (0.0) (0.0)
Net Income after Tax 1.4 1.0 0.6 0.4 0.3
Income before Discontinued Operations & Extraordinary Items 1.4 1.0 0.6 0.4 0.3
Net Income before Minority Interest 1.4 1.0 0.6 0.4 0.3
Net Income after Minority Interest 1.4 1.0 0.6 0.4 0.3
Income Available to Common Shares 1.4 1.0 0.6 0.4 0.3
Earnings Adjustments to Net Income - Other Expense/(Income) — — — — —
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 1.4 1.0 0.6 0.4 0.3
Income available to Common excluding Extraordinary Items 1.4 1.0 0.6 0.4 0.3
Shares used to calculate Basic EPS - Total mn 309.6 295.4 298.2 257.8 258.1
EPS - Basic - including Extraordinary Items Applicable to Common - Total Rs 4.68 3.29 1.96 1.51 1.21
EPS - Basic - excluding Extraordinary Items Applicable to Common - Total Rs 4.68 3.29 1.96 1.51 1.21
EPS - Basic - excluding Extraordinary Items - Normalized - Total Rs 3.55 2.45 1.84 1.51 1.21
Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific 1.4 1.0 0.6 0.4 0.3
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 309.6 295.4 298.2 257.8 258.1
EPS - Basic - including Extraordinary Items Applicable to Common - Issue Specific Rs 4.68 3.29 1.96 1.51 1.21
EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific Rs 4.68 3.29 1.96 1.51 1.21
EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific Rs 3.55 2.45 1.84 1.51 1.21
EPS - Basic from Discontinued Operations & Extraordinary Items Rs 0.00 0.00 0.00 0.00 0.00
Net Income - Diluted - including Extraordinary Items Applicable to Common - Total 1.4 1.0 0.6 0.4 0.3
Diluted Income available to Common excluding Extraordinary Items 1.4 1.0 0.6 0.4 0.3
Shares used to calculate Diluted EPS - Total mn 309.6 295.4 298.2 257.8 258.1
EPS - Diluted - including Extraordinary Items Applicable to Common - Total Rs 4.68 3.29 1.96 1.51 1.21
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total Rs 4.68 3.29 1.96 1.51 1.21
EPS - Diluted - excluding Extraordinary Items - Normalized - Total Rs 3.55 2.45 1.84 1.51 1.21
Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue Specific 1.4 1.0 0.6 0.4 0.3
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 309.6 295.4 298.2 257.8 258.1
EPS - Diluted - including Extraordinary Items Applicable to Common - Issue Specific Rs 4.68 3.29 1.96 1.51 1.21
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific Rs 4.68 3.29 1.96 1.51 1.21
EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific Rs 3.55 2.45 1.84 1.51 1.21
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 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) 1.4 0.8 0.6 0.4 0.3
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) 1.5 0.9 0.6 0.5 0.3
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) and Operating Lease Payments 1.5 0.9 0.6 0.5 0.3
Depreciation - Investment Property - Supplemental 0.0 0.0 0.0 0.0 0.0
Depreciation & Amortization - Supplemental 0.1 0.0 0.0 0.0 0.0
Depreciation Expense - Total - Supplemental 0.1 0.0 0.0 0.0 0.0
Depreciation - Financial Lease Right-of-Use Assets - Supplemental 0.0 0.0 0.0 0.0 0.0
Amortization - Total - Supplemental 0.0 0.0 0.0 0.0 0.0
Intangible Amortization - Other - Supplemental 0.0 0.0 0.0 0.0 0.0
Amortization of Computer Software - Supplemental 0.0 0.0 — — —
Depreciation, Depletion & Amortization - Total 0.1 0.0 0.0 0.0 0.0
Depreciation - Total 0.1 0.0 0.0 0.0 0.0
Amortization of Intangible Assets excluding Goodwill - Total 0.0 0.0 0.0 0.0 0.0
Labor & Related Expenses - Total 0.6 0.4 0.3 0.2 0.2
Labor & Related Expenses - Supplemental 0.6 0.4 0.3 0.2 0.2
Auditor Fees — — — — —
Audit-Related Fees — — — — —
Tax Fees — — — — —
Fees - Other — — — — —
Normalized after Tax Profit 1.1 0.7 0.5 0.4 0.3
Normalized Net Income from Continuing Operations 1.1 0.7 0.5 0.4 0.3
Normalized Net Income - Bottom Line 1.1 0.7 0.5 0.4 0.3
Earnings before Interest & Taxes (EBIT) - Normalized 1.5 0.9 0.6 0.5 0.4
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized 1.6 1.0 0.7 0.5 0.4
Depreciation of Financial Lease Right-of-Use Assets 0.0 0.0 0.0 0.0 0.0
Interest Expense on Financial Lease Liabilities - Supplemental 0.0 0.0 0.0 0.0 0.0
Rental/Operating Lease Expense 0.0 0.0 0.0 0.0 0.0
Advertising Expenses - Supplemental 0.0 0.0 0.0 0.0 0.0
Interest Expense 0.0 0.0 0.0 0.0 0.0
Investment Income - Insurance 0.1 0.2 0.3 — —
Losses, Benefits & Adjustments - Insurance 3.3 1.9 1.8 1.3 0.9
Operating Expenses 6.5 4.0 3.6 2.5 1.9
Premiums Ceded Out & Unearned - Total 2.8 2.8 2.4 2.1 1.7
Selling, General & Administrative Expenses excluding Research & Development Expenses 1.5 1.1 0.8 0.5 0.4
Total Claim & Loss Expense 3.3 1.9 1.8 1.3 0.9
Underwriting & Commissions 1.6 0.8 0.9 0.5 0.5
Underwriting Expenses - Insurance 1.6 1.2 0.9 0.6 0.5
Income before Taxes & Provision for Loan Losses 1.9 1.2 0.7 0.5 0.4
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 1.5 1.0 0.6 0.4 0.3
Underwriting Expenses minus Losses, Benefits & Adjustments - Insurance (1.6) (0.7) (0.9) (0.7) (0.4)
Operating Expenses excluding Non-Cash Charges - Total 6.5 3.9 3.6 2.5 1.9
Premiums Earned - Total 7.3 4.3 3.8 2.7 2.1
Losses, Benefits & Adjustments - Total 4.9 2.8 2.7 1.9 1.4
Income Available to Common Shares before Depreciation & Amortization 1.5 1.0 0.6 0.4 0.3
Fixed Charges 0.0 0.0 0.0 0.0 0.0
Net Premiums Written 7.3 4.3 3.8 2.7 2.1
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.