HICL Habib Insurance Company Limited
Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026
Last close · 16 Oct 2026
Rs 7.91 +0.13%
Annual · FY2006 – FY2025
Habib Insurance Company Limited (HICL) balance sheet
At the end of FY2025 (Jan – Dec 2025) Habib Insurance Company Limited had total assets of Rs 7.8 bn, up 19.8% on FY2024. Shareholders' equity was Rs 2.4 bn (Rs 11.84 per share), 30.5% 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 | 42.1 | 250.6 | 471.4 | 306.2 | 88.6 | |||||||||||||||
| Investments | 3,445.7 | 2,620.9 | 1,659.7 | 1,719.1 | 1,572.0 | |||||||||||||||
| Premium receivables | 1,565.5 | 1,528.0 | 1,352.7 | 886.4 | 1,181.5 | |||||||||||||||
| Reinsurance assets | 1,938.2 | 1,395.7 | 1,398.5 | 1,201.9 | 1,081.0 | |||||||||||||||
| Total assets | 7,769.6 | 6,484.7 | 5,494.1 | 4,543.6 | 4,193.8 | |||||||||||||||
| Liabilities | ||||||||||||||||||||
| Insurance reserves | 4,010.2 | 3,324.7 | 3,152.3 | 2,750.2 | 2,335.9 | |||||||||||||||
| Unearned premiums | 1,714.7 | 1,708.8 | 1,540.1 | 1,359.1 | 1,163.4 | |||||||||||||||
| Total liabilities | 5,401.6 | 4,429.3 | 3,990.6 | 3,375.3 | 2,938.7 | |||||||||||||||
| Equity | ||||||||||||||||||||
| Equity attributable to shareholders | 2,368.0 | 2,055.4 | 1,503.5 | 1,168.3 | 1,255.1 | |||||||||||||||
| Total equity | 2,368.0 | 2,055.4 | 1,503.5 | 1,168.3 | 1,255.1 | |||||||||||||||
| Total liabilities & equity | 7,769.6 | 6,484.7 | 5,494.1 | 4,543.6 | 4,193.8 | |||||||||||||||
| Key figures | ||||||||||||||||||||
| Shares outstanding mn | 200.0 | 200.0 | 200.0 | 200.0 | 200.0 | |||||||||||||||
| Common equity | 2,368.0 | 2,055.4 | 1,503.5 | 1,168.3 | 1,255.1 | |||||||||||||||
| Book value per share (Rs) Rs | 11.84 | 10.28 | 7.52 | 5.84 | 6.28 | |||||||||||||||
| 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 | -83.2% | -46.8% | +53.9% | +245.8% | -50.7% | |||||||||||||||
| Investments | +31.5% | +57.9% | -3.5% | +9.4% | +8.6% | |||||||||||||||
| Premium receivables | +2.5% | +13.0% | +52.6% | -25.0% | +20.1% | |||||||||||||||
| Reinsurance assets | +38.9% | -0.2% | +16.4% | +11.2% | +2.9% | |||||||||||||||
| Total assets | +19.8% | +18.0% | +20.9% | +8.3% | +4.4% | |||||||||||||||
| Liabilities | ||||||||||||||||||||
| Insurance reserves | +20.6% | +5.5% | +14.6% | +17.7% | +11.8% | |||||||||||||||
| Unearned premiums | +0.3% | +11.0% | +13.3% | +16.8% | +23.0% | |||||||||||||||
| Total liabilities | +22.0% | +11.0% | +18.2% | +14.9% | +8.1% | |||||||||||||||
| Equity | ||||||||||||||||||||
| Equity attributable to shareholders | +15.2% | +36.7% | +28.7% | -6.9% | -3.5% | |||||||||||||||
| Total equity | +15.2% | +36.7% | +28.7% | -6.9% | -3.5% | |||||||||||||||
| Total liabilities & equity | +19.8% | +18.0% | +20.9% | +8.3% | +4.4% | |||||||||||||||
| Key figures | ||||||||||||||||||||
| Shares outstanding | — | — | — | — | — | |||||||||||||||
| Common equity | +15.2% | +36.7% | +28.7% | -6.9% | -3.5% | |||||||||||||||
| Book value per share (Rs) | +15.2% | +36.7% | +28.7% | -6.9% | -3.5% | |||||||||||||||
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 | 0.5% | 3.9% | 8.6% | 6.7% | 2.1% | |||||||||||||||
| Investments | 44.3% | 40.4% | 30.2% | 37.8% | 37.5% | |||||||||||||||
| Premium receivables | 20.1% | 23.6% | 24.6% | 19.5% | 28.2% | |||||||||||||||
| Reinsurance assets | 24.9% | 21.5% | 25.5% | 26.5% | 25.8% | |||||||||||||||
| Total assets | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | |||||||||||||||
| Liabilities | ||||||||||||||||||||
| Insurance reserves | 51.6% | 51.3% | 57.4% | 60.5% | 55.7% | |||||||||||||||
| Unearned premiums | 22.1% | 26.4% | 28.0% | 29.9% | 27.7% | |||||||||||||||
| Total liabilities | 69.5% | 68.3% | 72.6% | 74.3% | 70.1% | |||||||||||||||
| Equity | ||||||||||||||||||||
| Equity attributable to shareholders | 30.5% | 31.7% | 27.4% | 25.7% | 29.9% | |||||||||||||||
| Total equity | 30.5% | 31.7% | 27.4% | 25.7% | 29.9% | |||||||||||||||
| Total liabilities & equity | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | |||||||||||||||
| Key figures | ||||||||||||||||||||
| Common equity | 30.5% | 31.7% | 27.4% | 25.7% | 29.9% | |||||||||||||||
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 107
| 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 | 42.1 | 250.6 | 471.4 | 306.2 | 88.6 |
| Receivables - Total | 1,652.2 | 1,572.0 | 1,424.6 | 892.2 | 1,184.9 |
| Insurance Premium Receivables | 1,565.5 | 1,528.0 | 1,352.7 | 886.4 | 1,181.5 |
| Income Tax - Receivables | 86.7 | 44.0 | 71.9 | 5.8 | 3.4 |
| Receivables - Other | — | — | — | — | — |
| Investments including Loans - Total | 3,445.7 | 2,620.9 | 1,659.7 | 1,719.1 | 1,572.0 |
| Investment Securities - Available for Sale, Held to Maturity & Held for Trading - Total | 3,346.7 | 2,535.5 | 1,567.2 | 1,536.4 | 1,393.6 |
| Investment Securities - Equity | 2,660.5 | 2,009.4 | 1,252.5 | 821.1 | 1,210.4 |
| Investments - Other - Total | — | — | — | — | — |
| Loans - Mortgage, Policy & Other | 99.0 | 85.4 | 92.5 | 182.7 | 178.3 |
| Loans - Other | — | — | — | — | — |
| Investment Securities Available for Sale & Held to Maturity | 686.1 | 526.1 | 314.7 | 715.3 | 183.2 |
| Property, Plant & Equipment - Net - Total | 105.2 | 99.4 | 114.0 | 56.1 | 68.9 |
| Property, Plant & Equipment - Gross - Total | — | — | — | — | — |
| Property, Plant & Equipment - Accumulated Depreciation & Impairment - Total | — | — | — | — | — |
| Investment Securities - Available for Sale - Total | — | — | — | — | — |
| Reinsurance Assets | 1,938.2 | 1,395.7 | 1,398.5 | 1,201.9 | 1,081.0 |
| Reinsurance Recoverable - In Insurance Provisions | 1,938.2 | 1,395.7 | 1,398.5 | 1,201.9 | 1,081.0 |
| Reinsurance Recoverable - Unearned Premiums | 541.5 | 705.1 | 681.9 | 525.4 | 476.8 |
| Reinsurance Recoverable - Outstanding Claims | 1,211.3 | 580.3 | 670.2 | 637.5 | 553.2 |
| Other Assets - Total | 575.7 | 532.8 | 425.6 | 367.6 | 197.8 |
| Reinsurance Recoverable - Other | 185.4 | 110.3 | 46.4 | 38.9 | 51.1 |
| Deferred Charges | 236.3 | 212.5 | 184.4 | 146.1 | 131.2 |
| Deferred Tax - Asset - Long-Term & Short-Term | — | — | — | — | — |
| Accrued Investment Income | — | — | — | — | — |
| Other Assets | 339.4 | 320.3 | 241.2 | 221.5 | 66.5 |
| Intangible Assets - Total - Net | 10.5 | 13.4 | 0.2 | 0.4 | 0.7 |
| Intangible Assets - Gross - Total | — | — | — | — | — |
| Intangible Assets - Accumulated Amortization & Impairment - Total | — | — | — | — | — |
| Total Assets | 7,769.6 | 6,484.7 | 5,494.1 | 4,543.6 | 4,193.8 |
| Insurance Reserves - Total | 4,010.2 | 3,324.7 | 3,152.3 | 2,750.2 | 2,335.9 |
| Benefit & Loss Reserves - Gross | 411.6 | 571.6 | 556.9 | 431.6 | 385.9 |
| Debt - Total | 14.4 | 25.8 | 40.8 | 30.9 | 37.5 |
| Benefit & Loss Reserves - Life - Gross | 411.6 | 571.6 | 556.9 | 431.6 | 385.9 |
| Short-Term Debt & Current Portion of Long-Term Debt | — | — | — | — | — |
| Unearned Premiums - Gross | 1,714.7 | 1,708.8 | 1,540.1 | 1,359.1 | 1,163.4 |
| Policy & Contract Claims - Gross | 1,883.9 | 1,044.3 | 1,055.3 | 959.6 | 786.6 |
| Current Portion of Long-Term Debt including Capitalized Leases | — | — | — | — | — |
| Capitalized Leases - Current Portion | — | — | — | — | — |
| Debt - Long-Term - Total | 14.4 | 25.8 | 40.8 | 30.9 | 37.5 |
| Capitalized Lease Obligations - Long-Term | 14.4 | 25.8 | 40.8 | 30.9 | 37.5 |
| Dividends Payable | — | — | — | — | — |
| Deferred Tax & Investment Tax Credits - Long-Term | 445.6 | 296.9 | 142.1 | 17.3 | 82.0 |
| Deferred Tax - Liability - Long-Term | 445.6 | 296.9 | 142.1 | 17.3 | 82.0 |
| Payables & Accrued Expenses | 461.5 | 403.9 | 366.7 | 303.4 | 298.9 |
| Accrued Expenses | — | — | — | — | — |
| Other Liabilities - Total | 469.9 | 378.0 | 288.8 | 273.5 | 184.3 |
| Other Payables - Total | 461.5 | 403.9 | 366.7 | 303.4 | 298.9 |
| Other Liabilities - | 365.1 | 295.3 | 195.1 | 143.2 | 53.5 |
| Provisions | 104.8 | 82.7 | 93.7 | 130.3 | 130.9 |
| Post Employment Benefits - Pension & Other | 104.8 | 82.7 | 93.7 | 130.3 | 130.9 |
| Total Liabilities | 5,401.6 | 4,429.3 | 3,990.6 | 3,375.3 | 2,938.7 |
| Shareholders' Equity - Attributable to Parent Shareholders - Total | 2,368.0 | 2,055.4 | 1,503.5 | 1,168.3 | 1,255.1 |
| Common Equity Attributable to Parent Shareholders | 2,368.0 | 2,055.4 | 1,503.5 | 1,168.3 | 1,255.1 |
| Common Equity - Contributed | 619.4 | 619.4 | 619.4 | 619.4 | 619.4 |
| Common Stock - Issued & Paid | 619.4 | 619.4 | 619.4 | 619.4 | 619.4 |
| Equity - Non-Contributed - Reserves & Retained Earnings | 1,748.6 | 1,436.0 | 884.1 | 548.9 | 635.7 |
| Retained Earnings - Total | 1,748.6 | 1,436.0 | 884.1 | 548.9 | 635.7 |
| Comprehensive Income - Accumulated - Total | — | — | — | — | — |
| Investments - Unrealized Gain/Loss | — | — | — | — | — |
| Other Reserves/Equity - Total | — | — | — | — | — |
| Common Equity - Total | 2,368.0 | 2,055.4 | 1,503.5 | 1,168.3 | 1,255.1 |
| Total Shareholders' Equity - including Minority Interest & Hybrid Debt | 2,368.0 | 2,055.4 | 1,503.5 | 1,168.3 | 1,255.1 |
| Total Liabilities & Equity | 7,769.6 | 6,484.7 | 5,494.1 | 4,543.6 | 4,193.8 |
| Common Shares - Issued - Total mn | 200.0 | 200.0 | 200.0 | 200.0 | 200.0 |
| Common Shares - Outstanding - Total mn | 200.0 | 200.0 | 200.0 | 200.0 | 200.0 |
| Common Shares - Treasury - Total mn | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Common Shares - Authorized - Issue Specific mn | 209.9 | 209.9 | 209.9 | 209.9 | 209.9 |
| Common Shares - Issued - Issue Specific mn | 200.0 | 200.0 | 200.0 | 200.0 | 200.0 |
| Common Shares - Outstanding - Issue Specific mn | 200.0 | 200.0 | 200.0 | 200.0 | 200.0 |
| 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× |
| Finance and Operating Lease Liabilities - Total - Supplemental | 14.4 | 25.8 | 40.8 | 30.9 | 37.5 |
| Debt including Finance and Operating Lease Liabilities - Supplemental | 14.4 | 25.8 | 40.8 | 30.9 | 37.5 |
| Net Debt | (27.8) | (224.8) | (430.6) | (275.3) | (51.0) |
| Asset Accruals | (42.1) | (250.6) | (471.4) | (306.2) | (88.6) |
| Cash & Cash Equivalents - Total | 42.1 | 250.6 | 471.4 | 306.2 | 88.6 |
| Cash & Securities | 3,346.7 | 2,535.5 | 1,567.2 | 1,536.4 | 1,393.6 |
| Cash & Short Term Investments - Total | 42.1 | 250.6 | 471.4 | 306.2 | 88.6 |
| Debt - including Preferred Equity & Minority Interest - Total | 14.4 | 25.8 | 40.8 | 30.9 | 37.5 |
| Earning Assets | 3,445.7 | 2,620.9 | 1,659.7 | 1,719.1 | 1,572.0 |
| Equity Securities & Real Estate | 2,660.5 | 2,009.4 | 1,252.5 | 821.1 | 1,210.4 |
| Invested Assets - Total | 3,445.7 | 2,620.9 | 1,659.7 | 1,719.1 | 1,572.0 |
| Investment Securities | 3,346.7 | 2,535.5 | 1,567.2 | 1,536.4 | 1,393.6 |
| Net Book Capital | 2,340.2 | 1,830.6 | 1,072.9 | 893.0 | 1,204.0 |
| Net Operating Assets | 2,340.2 | 1,830.6 | 1,072.9 | 893.0 | 1,204.0 |
| Non-Reserve Liabilities | 1,391.4 | 1,104.6 | 838.3 | 625.1 | 602.8 |
| Provisions - Total | 550.4 | 379.6 | 235.8 | 147.6 | 212.9 |
| Shareholders Equity - Common | 2,368.0 | 2,055.4 | 1,503.5 | 1,168.3 | 1,255.1 |
| Tangible Total Equity | 2,357.5 | 2,042.1 | 1,503.2 | 1,167.9 | 1,254.4 |
| Tangible Book Value | 2,357.5 | 2,042.1 | 1,503.2 | 1,167.9 | 1,254.4 |
| Total Book Capital | 2,382.4 | 2,081.2 | 1,544.2 | 1,199.2 | 1,292.6 |
| Total Capital | 2,382.4 | 2,081.2 | 1,544.2 | 1,199.2 | 1,292.6 |
| Total Long Term Capital | 2,368.0 | 2,055.4 | 1,503.5 | 1,168.3 | 1,255.1 |
| Book Value excluding Other Equity | 2,368.0 | 2,055.4 | 1,503.5 | 1,168.3 | 1,255.1 |
| Cash & Short Term Investments - Net of Debt | 27.8 | 224.8 | 430.6 | 275.3 | 51.0 |
| Current Portion of Long-Term Debt including Capitalized Leases & Hybrid Financial Instruments | — | — | — | — | — |
| Interest Bearing Liabilities - Total | 14.4 | 25.8 | 40.8 | 30.9 | 37.5 |
| Net Debt Including Preferred Equity & Minority Interest | (27.8) | (224.8) | (430.6) | (275.3) | (51.0) |
| Other Short-Term & Long-Term Assets - Total | 575.7 | 532.8 | 425.6 | 367.6 | 197.8 |
| Other Short-Term & Long-Term Liabilities - Total | 365.1 | 295.3 | 195.1 | 143.2 | 53.5 |
| Tangible Book Value excluding Other Equity | 2,357.5 | 2,042.1 | 1,503.2 | 1,167.9 | 1,254.4 |
| Total Debt Excluding Islamic | 14.4 | 25.8 | 40.8 | 30.9 | 37.5 |
| Investment in Equity, Real Estate & Mortgages | 2,660.5 | 2,009.4 | 1,252.5 | 821.1 | 1,210.4 |
| Book Value excluding Accumulated Comprehensive Income | — | — | — | — | — |
| Benefit & Claims Reserves - Gross | 2,295.5 | 1,615.9 | 1,612.3 | 1,391.1 | 1,172.5 |
| Cash in Hand & with Banks - Total | 42.1 | 250.6 | 471.4 | 306.2 | 88.6 |
Every line the company reported, in the original order and wording, without regrouping or signs changed.