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) income statement
Habib Insurance Company Limited reported total income of Rs 2.1 bn for FY2025 (Jan – Dec 2025), up 7.5% on FY2024. Tax of Rs 51.0 mn took 30.2% of pre-tax profit. Profit attributable to shareholders was Rs 118.0 mn, down 50.2% on FY2024, or Rs 0.59 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 | 1,697.0 | 1,492.4 | 1,505.7 | 1,228.0 | 806.2 | |||||||||||||||
| Investment income (net) | 401.3 | 459.1 | 305.2 | 124.6 | 141.0 | |||||||||||||||
| Total income | 2,098.2 | 1,951.4 | 1,810.9 | 1,437.8 | 991.2 | |||||||||||||||
| Net claims & benefits | (1,071.2) | (934.3) | (951.9) | (627.3) | (380.3) | |||||||||||||||
| Acquisition & underwriting expenses | — | — | — | — | — | |||||||||||||||
| Profit before tax | 169.0 | 375.5 | 159.7 | 141.2 | 147.7 | |||||||||||||||
| Taxation | (51.0) | (138.7) | (47.0) | (30.1) | (40.6) | |||||||||||||||
| Profit after tax | 118.0 | 236.9 | 112.8 | 111.1 | 107.0 | |||||||||||||||
| Profit attributable to shareholders | 118.0 | 236.9 | 112.8 | 111.1 | 107.0 | |||||||||||||||
| Per share | ||||||||||||||||||||
| EPS – basic (Rs) Rs | 0.59 | 1.18 | 0.56 | 0.56 | 0.54 | |||||||||||||||
| Dividend per share (Rs) Rs | 0.39 | 0.62 | 0.39 | 0.39 | 0.39 | |||||||||||||||
| 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 | +13.7% | -0.9% | +22.6% | +52.3% | — | |||||||||||||||
| Investment income (net) | -12.6% | +50.4% | +145.0% | -11.7% | +49.8% | |||||||||||||||
| Total income | +7.5% | +7.8% | +25.9% | +45.1% | +604.5% | |||||||||||||||
| Net claims & benefits | +14.6% | -1.8% | +51.7% | +65.0% | +6.8% | |||||||||||||||
| Acquisition & underwriting expenses | — | — | — | — | — | |||||||||||||||
| Profit before tax | -55.0% | +135.1% | +13.1% | -4.4% | +65.8% | |||||||||||||||
| Taxation | -63.2% | +195.3% | +56.0% | -25.9% | +48.4% | |||||||||||||||
| Profit after tax | -50.2% | +110.0% | +1.5% | +3.8% | +73.6% | |||||||||||||||
| Profit attributable to shareholders | -50.2% | +110.0% | +1.5% | +3.8% | +73.6% | |||||||||||||||
| Per share | ||||||||||||||||||||
| EPS – basic (Rs) | -50.1% | +109.8% | +1.5% | +3.8% | +73.6% | |||||||||||||||
| Dividend per share (Rs) | -37.5% | +60.0% | 0.0% | 0.0% | +25.0% | |||||||||||||||
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 | 80.9% | 76.5% | 83.1% | 85.4% | 81.3% |
| Investment income (net) | 19.1% | 23.5% | 16.9% | 8.7% | 14.2% |
| Total income | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% |
| Net claims & benefits | (51.1%) | (47.9%) | (52.6%) | (43.6%) | (38.4%) |
| Acquisition & underwriting expenses | — | — | — | — | — |
| Profit before tax | 8.1% | 19.2% | 8.8% | 9.8% | 14.9% |
| Taxation | (2.4%) | (7.1%) | (2.6%) | (2.1%) | (4.1%) |
| Profit after tax | 5.6% | 12.1% | 6.2% | 7.7% | 10.8% |
| Profit attributable to shareholders | 5.6% | 12.1% | 6.2% | 7.7% | 10.8% |
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 127
| 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 | 1,697.0 | 1,492.4 | 1,505.7 | 1,228.0 | 806.2 |
| Premiums Written - Gross | — | — | — | — | — |
| Premiums Ceded Out & Unearned - Reinsurance | — | — | — | — | — |
| Premiums Ceded Out to Reinsurance - Unearned | — | — | — | — | — |
| Fees & Commissions Income | — | — | — | 85.3 | 44.0 |
| Fees & Commissions Expense | 71.4 | 5.6 | 32.5 | — | — |
| Investment Income/(Expense) - Net - Insurance | 401.3 | 459.1 | 305.2 | 124.6 | 141.0 |
| Investment Income - Gross - Insurance - Total | — | — | — | — | — |
| Investment Expense - Insurance - Total | — | — | — | — | — |
| Revenue from Business-Related Activities - Other - Total | — | — | — | 85.3 | 44.0 |
| Revenue from Business Activities - Total | 2,098.2 | 1,951.4 | 1,810.9 | 1,437.8 | 991.2 |
| Insurance Claims/Reserves - Total | 1,071.2 | 934.3 | 951.9 | 627.3 | 380.3 |
| Insurance Benefits Paid - Current | 1,071.2 | 934.3 | 951.9 | 627.3 | 380.3 |
| Selling, General & Administrative Expenses - Total | 763.9 | 774.7 | 764.8 | 706.8 | 498.4 |
| Selling, General & Administrative Expenses - Unclassified | — | — | — | — | — |
| Depreciation in Selling, General & Administrative Expenses | — | — | — | — | — |
| Amortization of Intangibles in Selling, General & Administrative Expenses | — | — | — | — | — |
| Underwriting Expenses | — | — | — | — | — |
| Other Operating Expense/(Income) - Net | 27.0 | (24.6) | (59.1) | (1.4) | 28.1 |
| Unclassified Underwriting Expense - Other | — | — | — | — | — |
| Operating Expenses - Total | 1,933.4 | 1,690.0 | 1,690.2 | 1,332.6 | 906.8 |
| Labor & Related Expenses including Stock-Based Compensation in Selling, General & Administrative Expenses | — | — | — | — | — |
| Selling, General & Administrative Expenses - Other - Total | — | — | — | — | — |
| Advertising Expense | — | — | — | — | — |
| Operating Profit before Non-Recurring Income/(Expense) | 164.9 | 261.4 | 120.7 | 105.2 | 84.4 |
| Other Operating Expense | — | — | — | — | — |
| Interest Expense - Net of Capitalized Interest | 6.1 | 8.1 | 9.1 | 3.3 | 10.9 |
| Operating Provisions - Increase/(Decrease) | — | — | — | — | — |
| Sale of Tangible & Intangible Fixed Assets - Gain/Loss | 0.1 | 0.8 | 0.2 | 2.1 | 61.4 |
| Other Non-Operating Income/(Expense) - Total | 10.2 | 121.3 | 48.0 | 37.2 | 12.9 |
| Normalized Pre-tax Profit | 169.0 | 375.4 | 159.7 | 141.2 | 147.7 |
| Non-Recurring Income/Expense - Total | — | 0.2 | — | — | — |
| Impairment - Tangible & Intangible Fixed Assets | — | — | — | — | — |
| Impairment - Fixed Assets | — | — | — | — | — |
| Early Extinguishment of Lease Related Debts - Gain/(Loss) | — | 0.2 | — | — | — |
| Provision for Income Tax Expense- Unclassified | 51.0 | 138.7 | 47.0 | 30.1 | 40.6 |
| Income before Taxes | 169.0 | 375.5 | 159.7 | 141.2 | 147.7 |
| Income Taxes | 51.0 | 138.7 | 47.0 | 30.1 | 40.6 |
| Income Taxes for the Year - Current | — | — | — | — | — |
| Income Taxes - Deferred | — | — | — | — | — |
| Income Taxes - Domestic - Deferred | — | — | — | — | — |
| Income Taxes - Other - Deferred | — | — | — | — | — |
| Income Taxes - Other (by Type) | — | — | — | — | — |
| Net Income after Tax | 118.0 | 236.9 | 112.8 | 111.1 | 107.0 |
| Income before Discontinued Operations & Extraordinary Items | 118.0 | 236.9 | 112.8 | 111.1 | 107.0 |
| Net Income before Minority Interest | 118.0 | 236.9 | 112.8 | 111.1 | 107.0 |
| Net Income after Minority Interest | 118.0 | 236.9 | 112.8 | 111.1 | 107.0 |
| Income Available to Common Shares | 118.0 | 236.9 | 112.8 | 111.1 | 107.0 |
| DPS - Common - Gross - Issue - By Period End Date Rs | 0.39 | 0.62 | 0.39 | 0.39 | 0.39 |
| Net Income - Basic - including Extraordinary Items Applicable to Common - Total | 118.0 | 236.9 | 112.8 | 111.1 | 107.0 |
| Income available to Common excluding Extraordinary Items | 118.0 | 236.9 | 112.8 | 111.1 | 107.0 |
| Shares used to calculate Basic EPS - Total mn | 200.0 | 200.2 | 200.0 | 200.0 | 200.0 |
| EPS - Basic - including Extraordinary Items Applicable to Common - Total Rs | 0.59 | 1.18 | 0.56 | 0.56 | 0.54 |
| EPS - Basic - excluding Extraordinary Items Applicable to Common - Total Rs | 0.59 | 1.18 | 0.56 | 0.56 | 0.54 |
| EPS - Basic - excluding Extraordinary Items - Normalized - Total Rs | 0.59 | 1.18 | 0.56 | 0.56 | 0.54 |
| Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific | 118.0 | 236.9 | 112.8 | 111.1 | 107.0 |
| 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 | 200.0 | 200.2 | 200.0 | 200.0 | 200.0 |
| EPS - Basic - including Extraordinary Items Applicable to Common - Issue Specific Rs | 0.59 | 1.18 | 0.56 | 0.56 | 0.54 |
| EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific Rs | 0.59 | 1.18 | 0.56 | 0.56 | 0.54 |
| EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific Rs | 0.59 | 1.18 | 0.56 | 0.56 | 0.54 |
| EPS - Basic from Discontinued Operations & Extraordinary Items Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Dilution Adjustment | — | — | — | — | — |
| Net Income - Diluted - including Extraordinary Items Applicable to Common - Total | 118.0 | 236.9 | 112.8 | 111.1 | 107.0 |
| Diluted Income available to Common excluding Extraordinary Items | 118.0 | 236.9 | 112.8 | 111.1 | 107.0 |
| Shares used to calculate Diluted EPS - Total mn | 200.0 | 200.2 | 200.0 | 200.0 | 200.0 |
| EPS - Diluted - including Extraordinary Items Applicable to Common - Total Rs | 0.59 | 1.18 | 0.56 | 0.56 | 0.54 |
| EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total Rs | 0.59 | 1.18 | 0.56 | 0.56 | 0.54 |
| EPS - Diluted - excluding Extraordinary Items - Normalized - Total Rs | 0.59 | 1.18 | 0.56 | 0.56 | 0.54 |
| Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue Specific | 118.0 | 236.9 | 112.8 | 111.1 | 107.0 |
| 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 | 200.0 | 200.2 | 200.0 | 200.0 | 200.0 |
| EPS - Diluted - including Extraordinary Items Applicable to Common - Issue Specific Rs | 0.59 | 1.18 | 0.56 | 0.56 | 0.54 |
| EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific Rs | 0.59 | 1.18 | 0.56 | 0.56 | 0.54 |
| EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific Rs | 0.59 | 1.18 | 0.56 | 0.56 | 0.54 |
| 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 | 0.62 | 0.39 | 0.39 | 0.39 | 0.31 |
| DPS - Common - Net - Issue - By Announcement Date Rs | 0.56 | 0.35 | 0.35 | 0.35 | 0.28 |
| Earnings before Interest & Taxes (EBIT) | 164.9 | 261.4 | 120.7 | 105.2 | 84.4 |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) | 197.7 | 293.3 | 147.6 | 123.8 | 118.4 |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) and Operating Lease Payments | — | — | — | — | — |
| Depreciation & Amortization - Supplemental | 32.8 | 31.9 | 26.9 | 18.6 | 34.0 |
| Depreciation Expense - Total - Supplemental | 29.9 | 30.7 | 26.6 | 18.4 | 33.0 |
| Depreciation - Financial Lease Right-of-Use Assets - Supplemental | 13.8 | 15.0 | 14.4 | 9.8 | 23.8 |
| Amortization - Total - Supplemental | 2.9 | 1.1 | 0.2 | 0.2 | 1.0 |
| Intangible Amortization - Other - Supplemental | 2.9 | 1.1 | 0.2 | 0.2 | 1.0 |
| Amortization of Computer Software - Supplemental | 2.9 | 1.1 | 0.2 | 0.2 | 1.0 |
| Depreciation, Depletion & Amortization - Total | 32.8 | 31.9 | 26.9 | 18.6 | 34.0 |
| Depreciation - Total | 29.9 | 30.7 | 26.6 | 18.4 | 33.0 |
| Amortization of Intangible Assets including Goodwill - Total | — | — | — | — | — |
| Amortization of Intangible Assets excluding Goodwill - Total | 2.9 | 1.1 | 0.2 | 0.2 | 1.0 |
| Labor & Related Expenses - Total | — | — | — | — | — |
| Labor & Related Expenses - Supplemental | — | — | — | — | — |
| Auditor Fees | — | — | — | — | — |
| Audit-Related Fees | — | — | — | — | — |
| Fees - Other | — | — | — | — | — |
| Normalized after Tax Profit | 118.0 | 236.7 | 112.8 | 111.1 | 107.0 |
| Normalized Net Income from Continuing Operations | 118.0 | 236.7 | 112.8 | 111.1 | 107.0 |
| Normalized Net Income - Bottom Line | 118.0 | 236.7 | 112.8 | 111.1 | 107.0 |
| Earnings before Interest & Taxes (EBIT) - Normalized | 175.1 | 383.5 | 168.9 | 144.5 | 158.6 |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized | 208.0 | 415.4 | 195.7 | 163.1 | 192.6 |
| Depreciation of Financial Lease Right-of-Use Assets | 13.8 | 15.0 | 14.4 | 9.8 | 23.8 |
| Interest Expense on Financial Lease Liabilities - Supplemental | 3.9 | 4.7 | 6.0 | 3.2 | 10.8 |
| Rental/Operating Lease Expense | — | — | — | — | — |
| Advertising Expenses - Supplemental | — | — | — | — | — |
| Interest Expense | 6.1 | 8.1 | 9.1 | 3.3 | 10.9 |
| Investment Income - Insurance | 401.3 | 459.1 | 305.2 | 124.6 | 141.0 |
| Losses, Benefits & Adjustments - Insurance | 1,071.2 | 934.3 | 951.9 | 627.3 | 380.3 |
| Operating Expenses | 1,933.4 | 1,690.0 | 1,690.2 | 1,332.6 | 906.8 |
| Premiums Ceded Out & Unearned - Total | — | — | — | — | — |
| Selling, General & Administrative Expenses excluding Research & Development Expenses | 763.9 | 774.7 | 764.8 | 706.8 | 498.4 |
| Total Claim & Loss Expense | 1,071.2 | 934.3 | 951.9 | 627.3 | 380.3 |
| Underwriting & Commissions | — | — | — | — | — |
| Underwriting Expenses - Insurance | 862.2 | 755.7 | 738.3 | 705.3 | 526.5 |
| Income before Taxes & Provision for Loan Losses | 169.0 | 375.5 | 159.7 | 141.2 | 147.7 |
| DPS - Common - Gross - Issue - By Payable Date Rs | 0.62 | 0.39 | 0.39 | 0.39 | 0.31 |
| DPS - Common - Gross - Issue - By Ex Date Rs | 0.62 | 0.39 | 0.39 | 0.39 | 0.31 |
| Tax Adjusted Operating Income | 122.3 | 241.9 | 119.2 | 113.7 | 114.9 |
| Underwriting Expenses minus Losses, Benefits & Adjustments - Insurance | (208.9) | (178.6) | (213.6) | 78.0 | 146.3 |
| Operating Expenses excluding Non-Cash Charges - Total | 1,900.5 | 1,658.1 | 1,663.3 | 1,314.0 | 872.8 |
| Premiums Earned - Total | 1,697.0 | 1,492.4 | 1,505.7 | 1,313.3 | 850.1 |
| Losses, Benefits & Adjustments - Total | 1,071.2 | 934.3 | 951.9 | 627.3 | 380.3 |
| Income Available to Common Shares before Depreciation & Amortization | 150.9 | 268.7 | 139.6 | 129.7 | 141.1 |
| Fixed Charges | 6.1 | 8.1 | 9.1 | 3.3 | 10.9 |
| Net Premiums Written | — | — | — | — | — |
| Estimated Tax Rate | 0.29× | 0.29× | 0.29× | 0.29× | 0.29× |
| Total Common & Spl DPS -Gross - Issue - By Announcement Date Rs | 0.62 | 0.39 | 0.39 | 0.39 | 0.31 |
Every line the company reported, in the original order and wording, without regrouping or signs changed.