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IGIL IGI Life Insurance Limited

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

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Last close · 16 Oct 2026

Rs 18.50 -2.63%

Quarterly · Q3 FY2021 – Q2 FY2026

IGI Life Insurance Limited (IGIL) quarterly income statement

IGI Life Insurance Limited reported total income of Rs 2.7 bn for Q2 FY2026 (Apr – Jun 2026), down 28.7% on Q2 FY2025. Tax of Rs 27.1 mn took 25.9% of pre-tax profit. Profit attributable to shareholders was Rs 77.7 mn, down 21.4% on Q2 FY2025, or Rs 0.46 per share.

IGIL income statement (quarterly) (Rs bn)
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
Net premium earned 11.6 2.4 2.5 2.7 4.0 3.1 3.8 3.3 3.4
Investment income (net) 1.8 0.3 0.3 0.5 0.6 0.7 0.8 0.9 1.0
Total income 13.6 2.7 2.9 3.2 4.7 3.8 4.7 4.2 4.5
Net claims & benefits (13.1) (3.5) (3.5) (3.1) (3.1) (2.7) (2.4) (1.6) (1.5)
Acquisition & underwriting expenses (1.9) (0.4) (0.4) (0.5) (0.5) (0.5) (0.5) (0.3) (0.4)
Profit before tax 0.6 0.1 0.1 0.2 0.1 0.1 0.1 0.1 0.1
Taxation (0.2) (0.0) (0.0) (0.1) (0.0) (0.0) (0.0) (0.0) (0.0)
Profit after tax 0.4 0.1 0.1 0.2 0.1 0.1 0.1 0.1 0.1
Profit attributable to shareholders 0.4 0.1 0.1 0.2 0.1 0.1 0.1 0.1 0.1
Per share
EPS – basic (Rs) Rs 2.41 0.46 0.47 1.08 0.41 0.58 0.41 0.56 0.46
Dividend per share (Rs) Rs 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
IGIL income statement — year-on-year change (Rs mn)
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
Net premium earned -23.1% -34.1% -19.0% +18.0% -3.9% +21.6% +40.5% +61.7%
Investment income (net) -54.3% -57.7% -47.4% -34.9% -14.3% +3.0% +24.7% +43.3%
Total income -28.7% -37.9% -23.4% +5.6% -6.5% +16.1% +34.4% +57.5%
Net claims & benefits +27.3% +45.5% +89.8% +108.4% +94.9% +125.9% +50.3% +33.5%
Acquisition & underwriting expenses -3.6% -9.2% +76.0% +12.8% -12.4% +12.2% -11.6% +0.5%
Profit before tax -27.2% +14.7% +75.9% -7.8% +60.6% +66.0% +65.7% +102.7%
Taxation -39.9% +17.2% +36.9% -1.0% +67.1% +69.8% +7.4% +109.7%
Profit after tax -21.4% +13.6% +94.1% -10.7% +57.8% +64.4% +122.2% +99.8%
Profit attributable to shareholders -21.4% +13.6% +94.1% -10.7% +57.8% +64.4% +122.2% +99.8%
Per share
EPS – basic (Rs) -21.4% +13.6% +94.1% -10.7% +57.8% +64.4% +122.2% +99.8%
Dividend per share (Rs) — — — — — — — —

Change against the same quarter a year earlier; shown when the earlier figure is positive.

IGIL income statement — common size (Rs mn)
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
Net premium earned 86.4% 86.9% 82.9% 85.9% 80.1% 82.0% 78.5% 76.9%
Investment income (net) 12.1% 11.5% 14.8% 13.3% 18.9% 16.9% 21.6% 21.7%
Total income 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0%
Net claims & benefits (128.4%) (119.9%) (94.8%) (65.3%) (71.9%) (51.2%) (38.3%) (33.1%)
Acquisition & underwriting expenses (16.5%) (14.2%) (16.8%) (9.7%) (12.2%) (9.7%) (7.3%) (9.0%)
Profit before tax 3.8% 4.0% 7.5% 2.2% 3.8% 2.2% 3.3% 2.5%
Taxation (1.0%) (1.2%) (1.9%) (0.7%) (1.2%) (0.7%) (1.0%) (0.8%)
Profit after tax 2.8% 2.7% 5.7% 1.5% 2.6% 1.5% 2.2% 1.8%
Profit attributable to shareholders 2.8% 2.7% 5.7% 1.5% 2.6% 1.5% 2.2% 1.8%

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. TTM = the latest four quarters added together. Updated 16 Oct 2026.

All reported line items 93
IGIL income statement — all reported line items (Rs mn)
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
Net Premiums Earned 2,357.2 2,524.8 2,692.0 4,045.4 3,065.2 3,832.5 3,324.9 3,428.9
Premiums Written - Gross 2,457.3 2,644.5 2,777.7 4,186.2 3,185.0 3,955.7 3,434.6 3,524.3
Premiums Ceded Out & Unearned - Reinsurance 100.1 119.7 85.7 140.8 119.8 123.2 109.7 95.5
Investment Income/(Expense) - Net - Insurance 330.2 333.9 480.3 628.7 721.8 789.8 914.0 966.0
Investments & Loans - Business - Gain/(Loss) 9.5 9.3 9.7 9.8 10.5 11.1 13.8 13.6
Investment Securities - Business - Gain/(Loss) 9.5 9.3 9.7 9.8 10.5 11.1 13.8 13.6
Revenue from Business-Related Activities - Other - Total 30.4 36.6 66.3 25.3 27.2 41.1 (14.6) 52.9
Revenue from Business Activities - Total 2,727.3 2,904.6 3,248.4 4,709.1 3,824.7 4,674.5 4,238.2 4,461.4
Insurance Claims/Reserves - Total 3,500.6 3,483.6 3,080.1 3,076.3 2,749.7 2,394.1 1,622.8 1,476.2
Insurance Benefits Paid - Current 3,500.6 3,483.6 3,080.1 3,076.3 2,749.7 2,394.1 1,622.8 1,476.2
Selling, General & Administrative Expenses - Total 401.2 324.9 356.5 351.5 283.8 282.3 430.4 268.5
Selling, General & Administrative Expenses - Unclassified 366.8 295.5 — 323.2 253.9 254.5 — 241.5
Depreciation in Selling, General & Administrative Expenses 34.4 29.4 — 28.3 29.8 27.8 — 26.9
Underwriting Expenses 448.8 412.4 545.3 455.0 465.5 454.4 309.8 403.4
Policy Acquisition Costs - Total 448.8 412.4 545.3 455.0 465.5 454.4 309.8 403.4
Other Operating Expense/(Income) - Net (1,048.0) (1,285.2) (577.0) 913.2 580.2 1,459.0 2,222.1 2,359.4
Policy Acquisition Costs - Other 448.8 412.4 545.3 455.0 465.5 454.4 309.8 403.4
Operating Expenses - Total 3,302.6 2,935.7 3,404.8 4,796.0 4,079.2 4,589.7 4,585.1 4,507.4
Operating Profit before Non-Recurring Income/(Expense) (575.3) (31.2) (156.5) (86.9) (254.5) 84.7 (346.9) (46.0)
Interest Expense - Net of Capitalized Interest 0.5 1.5 0.3 1.6 2.5 0.3 4.5 0.8
Other Non-Operating Income/(Expense) - Total — — 26.7 — — — 15.5 —
Normalized Pre-tax Profit (575.8) (32.6) (130.1) (88.5) (257.0) 84.4 (336.0) (46.8)
Non-Recurring Income/Expense - Total 680.6 148.2 375.0 192.2 400.9 16.3 475.3 159.2
Fair Value Adjustments - Financial Investments 680.6 148.2 375.0 192.2 400.9 16.3 475.3 159.2
Provision for Income Tax Expense- Unclassified 27.1 36.1 60.7 33.4 45.1 30.8 44.4 33.7
Income before Taxes 104.8 115.6 245.0 103.7 143.9 100.8 139.3 112.5
Income Taxes 27.1 36.1 60.7 33.4 45.1 30.8 44.4 33.7
Net Income after Tax 77.7 79.5 184.2 70.3 98.9 70.0 94.9 78.7
Income before Discontinued Operations & Extraordinary Items 77.7 79.5 184.2 70.3 98.9 70.0 94.9 78.7
Net Income before Minority Interest 77.7 79.5 184.2 70.3 98.9 70.0 94.9 78.7
Net Income after Minority Interest 77.7 79.5 184.2 70.3 98.9 70.0 94.9 78.7
Income Available to Common Shares 77.7 79.5 184.2 70.3 98.9 70.0 94.9 78.7
DPS - Common - Gross - Issue - By Period End Date Rs 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Income - Basic - including Extraordinary Items Applicable to Common - Total 77.7 79.5 184.2 70.3 98.9 70.0 94.9 78.7
Income available to Common excluding Extraordinary Items 77.7 79.5 184.2 70.3 98.9 70.0 94.9 78.7
Shares used to calculate Basic EPS - Total mn 170.6 170.6 170.6 170.6 170.6 170.6 170.6 170.6
EPS - Basic - including Extraordinary Items Applicable to Common - Total Rs 0.46 0.47 1.08 0.41 0.58 0.41 0.56 0.46
EPS - Basic - excluding Extraordinary Items Applicable to Common - Total Rs 0.46 0.47 1.08 0.41 0.58 0.41 0.56 0.46
EPS - Basic - excluding Extraordinary Items - Normalized - Total Rs (3.53) (0.40) (1.12) (0.71) (1.77) 0.31 (2.23) (0.47)
Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific 77.7 79.5 184.2 70.3 98.9 70.0 94.9 78.7
Earnings Allocation Factor - Basic - Issue Specific 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 170.6 170.6 170.6 170.6 170.6 170.6 170.6 170.6
EPS - Basic - including Extraordinary Items Applicable to Common - Issue Specific Rs 0.46 0.47 1.08 0.41 0.58 0.41 0.56 0.46
EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific Rs 0.46 0.47 1.08 0.41 0.58 0.41 0.56 0.46
EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific Rs (3.53) (0.40) (1.12) (0.71) (1.77) 0.31 (2.23) (0.47)
EPS - Basic from Discontinued Operations & Extraordinary Items Rs 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Income - Diluted - including Extraordinary Items Applicable to Common - Total 77.7 79.5 184.2 70.3 98.9 70.0 94.9 78.7
Diluted Income available to Common excluding Extraordinary Items 77.7 79.5 184.2 70.3 98.9 70.0 94.9 78.7
Shares used to calculate Diluted EPS - Total mn 170.6 170.6 170.6 170.6 170.6 170.6 170.6 170.6
EPS - Diluted - including Extraordinary Items Applicable to Common - Total Rs 0.46 0.47 1.08 0.41 0.58 0.41 0.56 0.46
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total Rs 0.46 0.47 1.08 0.41 0.58 0.41 0.56 0.46
EPS - Diluted - excluding Extraordinary Items - Normalized - Total Rs (3.53) (0.40) (1.12) (0.71) (1.77) 0.31 (2.23) (0.47)
Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue Specific 77.7 79.5 184.2 70.3 98.9 70.0 94.9 78.7
Earnings Allocation Factor - Diluted - Issue Specific 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 170.6 170.6 170.6 170.6 170.6 170.6 170.6 170.6
EPS - Diluted - including Extraordinary Items Applicable to Common - Issue Specific Rs 0.46 0.47 1.08 0.41 0.58 0.41 0.56 0.46
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific Rs 0.46 0.47 1.08 0.41 0.58 0.41 0.56 0.46
EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific Rs (3.53) (0.40) (1.12) (0.71) (1.77) 0.31 (2.23) (0.47)
EPS - Diluted from Discontinued Operations & Extraordinary Items Rs 0.00 0.00 0.00 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 0.00 0.00 0.00
DPS - Common - Net - Issue - By Announcement Date Rs 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Earnings before Interest & Taxes (EBIT) (575.3) (31.2) (156.5) (86.9) (254.5) 84.7 (346.9) (46.0)
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) (540.9) (1.8) (156.5) (58.6) (224.6) 112.5 (346.9) (19.1)
Depreciation & Amortization - Supplemental 34.4 29.4 — 28.3 29.8 27.8 — 26.9
Depreciation, Depletion & Amortization - Total 34.4 29.4 — 28.3 29.8 27.8 — 26.9
Normalized after Tax Profit (602.9) (68.7) (190.8) (121.9) (302.1) 53.7 (380.4) (80.5)
Normalized Net Income from Continuing Operations (602.9) (68.7) (190.8) (121.9) (302.1) 53.7 (380.4) (80.5)
Normalized Net Income - Bottom Line (602.9) (68.7) (190.8) (121.9) (302.1) 53.7 (380.4) (80.5)
Earnings before Interest & Taxes (EBIT) - Normalized (575.3) (31.2) (129.7) (86.9) (254.5) 84.7 (331.5) (46.0)
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized (540.9) (1.8) — (58.6) (224.6) 112.5 — (19.1)
Interest Expense on Financial Lease Liabilities - Supplemental 0.5 1.5 0.3 1.6 2.5 0.3 4.5 0.8
Interest Expense 0.5 1.5 0.3 1.6 2.5 0.3 4.5 0.8
Investment Income - Insurance 330.2 333.9 480.3 628.7 721.8 789.8 914.0 966.0
Losses, Benefits & Adjustments - Insurance 3,500.6 3,483.6 3,080.1 3,076.3 2,749.7 2,394.1 1,622.8 1,476.2
Operating Expenses 3,302.6 2,935.7 3,404.8 4,796.0 4,079.2 4,589.7 4,585.1 4,507.4
Premiums Ceded Out & Unearned - Total 100.1 119.7 85.7 140.8 119.8 123.2 109.7 95.5
Selling, General & Administrative Expenses excluding Research & Development Expenses 401.2 324.9 356.5 351.5 283.8 282.3 430.4 268.5
Total Claim & Loss Expense 3,500.6 3,483.6 3,080.1 3,076.3 2,749.7 2,394.1 1,622.8 1,476.2
Underwriting & Commissions 448.8 412.4 545.3 455.0 465.5 454.4 309.8 403.4
Underwriting Expenses - Insurance (646.8) (960.3) (220.5) 1,264.7 864.0 1,741.2 2,652.5 2,627.8
Income before Taxes & Provision for Loan Losses 104.8 115.6 245.0 103.7 143.9 100.8 139.3 112.5
DPS - Common - Gross - Issue - By Payable Date Rs 0.00 0.00 0.00 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 0.00 0.00 0.00
Tax Adjusted Operating Income 78.0 80.5 184.5 71.3 100.6 70.2 98.0 79.3
Underwriting Expenses minus Losses, Benefits & Adjustments - Insurance (4,147.4) (4,443.9) (3,300.6) (1,811.5) (1,885.7) (652.8) 1,029.7 1,151.7
Operating Expenses excluding Non-Cash Charges - Total 3,268.2 2,906.3 — 4,767.7 4,049.3 4,562.0 — 4,480.5
Premiums Earned - Total 2,387.6 2,561.4 2,758.3 4,070.7 3,092.4 3,873.6 3,310.4 3,481.8
Losses, Benefits & Adjustments - Total 3,949.4 3,896.0 3,625.3 3,531.3 3,215.2 2,848.5 1,932.6 1,879.6
Income Available to Common Shares before Depreciation & Amortization 112.1 108.9 — 98.6 128.7 97.8 — 105.7
Fixed Charges 0.5 1.5 0.3 1.6 2.5 0.3 4.5 0.8
Net Premiums Written 2,357.2 2,524.8 2,692.0 4,045.4 3,065.2 3,832.5 3,324.9 3,428.9
Estimated Tax Rate 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 0.00 0.00 0.00 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.