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%
Financials
Habib Insurance Company Limited (HICL) financials
20 years of annual results (FY2006 – FY2025), 80 quarters.
Habib Insurance Company Limited (HICL) reported total income of Rs 2.1 bn for FY2025 (Jan – Dec 2025), up 7.5% from FY2024.
Profit attributable to shareholders was Rs 118.0 mn (EPS Rs 0.59), down 50.2%.
It declared a dividend of Rs 0.39 per share for FY2025 and has paid a dividend in each of the last 20 years.
Return on equity was 5.3%.
Over the last five years total income grew at a compound 71.7% a year.
At Rs 7.91 (close on 16 Oct 2026) the shares trade at 6.8× earnings (TTM to Jun 2026) and 0.66× book value, with a dividend yield of 4.9%.
Fundamentals
HICL at a glance
Net premium earned · FY2025
Rs 1.7 bn
▲ 13.7% year on year
Profit attributable to shareholders · FY2025
Rs 118.0 mn
▼ 50.2% year on year
EPS – basic (Rs) · FY2025
Rs 0.59
▼ 50.1% year on year
Dividend per share (Rs) · FY2025
Rs 0.39
▼ 37.5% year on year
Investments · FY2025
Rs 3.4 bn
▲ 31.5% year on year
Return on equity (ROE) · FY2025
5.3%
-8.0 pts year on year
Financial statements
Income statement
Revenue, costs, profit and earnings per share.
- Total income · FY2025
- Rs 2.1 bn
- Profit attributable · FY2025
- Rs 118.0 mn
Balance sheet
Assets, liabilities, debt and shareholders' equity.
- Total assets · FY2025
- Rs 7.8 bn
- Equity · FY2025
- Rs 2.4 bn
Financial highlights
HICL financial results
| Rs mn | FY2025 * Jan – Dec 2025 | FY2024 * Jan – Dec 2024 | FY2023 * Jan – Dec 2023 | FY2022 * Jan – Dec 2022 | FY2021 * Jan – Dec 2021 | FY2020 * Jan – Dec 2020 | FY2019 * Jan – Dec 2019 | FY2018 * Jan – Dec 2018 | FY2017 * Jan – Dec 2017 | FY2016 * Jan – Dec 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net premium earned | 1,697.0 | 1,492.4 | 1,505.7 | 1,228.0 | 806.2 | (3.9) | (2.2) | 532.1 | 556.0 | 544.7 |
| Investment income (net) | 401.3 | 459.1 | 305.2 | 124.6 | 141.0 | 94.1 | 94.8 | 196.7 | 215.2 | 238.6 |
| Net claims & benefits | (1,071.2) | (934.3) | (951.9) | (627.3) | (380.3) | (355.9) | (417.8) | (312.5) | (373.7) | (281.6) |
| Profit before tax | 169.0 | 375.5 | 159.7 | 141.2 | 147.7 | 89.0 | 97.2 | 157.9 | 162.7 | 285.1 |
| Profit attributable to shareholders | 118.0 | 236.9 | 112.8 | 111.1 | 107.0 | 61.7 | 70.1 | 105.3 | 110.0 | 191.7 |
| EPS – basic (Rs) Rs | 0.59 | 1.18 | 0.56 | 0.56 | 0.54 | 0.31 | 0.35 | 0.53 | 0.55 | 0.96 |
| Dividend per share (Rs) Rs | 0.39 | 0.62 | 0.39 | 0.39 | 0.39 | 0.31 | 0.31 | 0.46 | 0.46 | 1.08 |
| Investments | 3,445.7 | 2,620.9 | 1,659.7 | 1,719.1 | 1,572.0 | 1,447.6 | 1,423.2 | 1,311.1 | 1,403.4 | 849.9 |
| Total assets | 7,769.6 | 6,484.7 | 5,494.1 | 4,543.6 | 4,193.8 | 4,017.9 | 3,640.7 | 3,282.4 | 3,276.1 | 2,759.9 |
| Total equity | 2,368.0 | 2,055.4 | 1,503.5 | 1,168.3 | 1,255.1 | 1,300.2 | 1,249.2 | 1,338.6 | 1,435.6 | 1,099.6 |
| 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 | 2,076.3 | 700.7 | 536.6 | 399.8 | 439.1 | 435.6 | 422.5 | 399.0 | 342.9 |
| Investment income (net) | 490.1 | 251.2 | 100.1 | 85.5 | 53.3 | 111.4 | 151.1 | 254.9 | 57.2 |
| Net claims & benefits | (1,214.4) | (381.4) | (243.4) | (273.6) | (316.1) | (264.7) | (216.8) | (266.1) | (234.7) |
| Profit before tax | 346.9 | 270.1 | 125.6 | (61.3) | 12.5 | 86.2 | 131.6 | 182.8 | 19.6 |
| Profit attributable to shareholders | 233.1 | 175.5 | 88.5 | (40.3) | 9.4 | 55.5 | 93.5 | 110.2 | 8.1 |
| EPS – basic (Rs) Rs | 1.16 | 0.88 | 0.44 | (0.20) | 0.05 | 0.28 | 0.47 | 0.55 | 0.04 |
| Dividend per share (Rs) Rs | 0.39 | 0.00 | 0.00 | 0.39 | 0.00 | 0.00 | 0.00 | 0.62 | 0.00 |
| Investments | 3,053.9 | 3,053.9 | 3,153.4 | 3,445.7 | 3,731.0 | 3,145.5 | 2,957.1 | 2,620.9 | 2,246.8 |
| Total assets | 8,231.4 | 8,231.4 | 7,706.4 | 7,769.6 | 7,398.6 | 6,324.6 | 6,162.3 | 6,484.7 | 6,226.4 |
| Total equity | 2,397.8 | 2,397.8 | 2,184.0 | 2,368.0 | 2,468.0 | 2,083.4 | 2,094.8 | 2,055.4 | 1,704.5 |
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. * Some FY2025 figures do not fully reconcile in the source data. Updated 16 Oct 2026.