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JGICL Jubilee General Insurance Limited

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

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Last close · 16 Oct 2026

Rs 77.00 -0.91%

Quarterly · Q3 FY2021 – Q2 FY2026

Jubilee General Insurance Limited (JGICL) quarterly balance sheet

At the end of Q2 FY2026 (Apr – Jun 2026) Jubilee General Insurance Limited had total assets of Rs 69.5 bn, up 16.3% on Q2 FY2025. Shareholders' equity was Rs 21.5 bn (Rs 108.49 per share), 31.0% of total assets.

JGICL balance sheet (quarterly) (Rs bn)
Rs bn 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
Assets
Cash & cash equivalents 1.7 3.9 2.6 2.7 2.5 1.6 2.0 3.1
Investments 32.4 30.5 34.4 33.5 28.8 29.2 28.7 23.9
Premium receivables 6.7 4.4 4.0 4.3 6.3 3.2 2.1 3.9
Reinsurance assets 13.4 14.0 11.7 13.7 9.8 10.3 10.3 10.2
Total assets 69.5 67.1 65.4 68.7 59.7 52.3 50.4 51.3
Liabilities
Insurance reserves 12.7 12.5 10.9 11.3 10.1 9.0 8.3 11.5
Unearned premiums 12.7 12.5 10.9 11.3 10.1 9.0 8.3 11.5
Total liabilities 48.0 47.3 43.1 47.4 40.8 33.0 31.6 35.3
Equity
Equity attributable to shareholders 21.5 19.8 22.3 21.3 19.0 19.3 18.8 16.0
Total equity 21.5 19.8 22.3 21.3 19.0 19.3 18.8 16.0
Total liabilities & equity 69.5 67.1 65.4 68.7 59.7 52.3 50.4 51.3
Key figures
Shares outstanding mn 198.5 198.5 198.5 198.5 198.5 198.5 198.5 198.5
Common equity 21.5 19.8 22.3 21.3 19.0 19.3 18.8 16.0
Book value per share (Rs) Rs 108.49 99.76 112.17 107.40 95.60 97.19 94.76 80.61
JGICL balance sheet — 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
Assets
Cash & cash equivalents -31.4% +144.6% +30.2% -11.7% -9.1% -59.2% -24.5% +9.4%
Investments +12.6% +4.4% +19.8% +40.1% +25.8% +36.8% +41.8% +34.5%
Premium receivables +5.8% +36.7% +92.8% +10.6% +11.8% +7.1% +32.7% +19.8%
Reinsurance assets +36.4% +36.3% +13.7% +34.1% +58.3% +59.6% +79.0% +67.6%
Total assets +16.3% +28.3% +29.8% +34.0% +29.3% +23.3% +38.7% +29.1%
Liabilities
Insurance reserves +25.3% +39.1% +32.0% -1.4% +1.0% +0.7% +13.1% +16.3%
Unearned premiums +25.3% +39.1% +32.0% -1.4% +1.0% +0.7% +13.1% +16.3%
Total liabilities +17.6% +43.3% +36.6% +34.3% +29.6% +17.5% +36.9% +25.6%
Equity
Equity attributable to shareholders +13.5% +2.6% +18.4% +33.2% +28.7% +34.7% +41.8% +37.5%
Total equity +13.5% +2.6% +18.4% +33.2% +28.7% +34.7% +41.8% +37.5%
Total liabilities & equity +16.3% +28.3% +29.8% +34.0% +29.3% +23.3% +38.7% +29.1%
Key figures
Shares outstanding — — — — — — — —
Common equity +13.5% +2.6% +18.4% +33.2% +28.7% +34.7% +41.8% +37.5%
Book value per share (Rs) +13.5% +2.6% +18.4% +33.2% +28.7% +34.7% +41.8% +37.5%

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

JGICL balance sheet — 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
Assets
Cash & cash equivalents 2.4% 5.8% 4.0% 3.9% 4.1% 3.1% 4.0% 6.0%
Investments 46.6% 45.5% 52.6% 48.8% 48.1% 55.9% 57.0% 46.6%
Premium receivables 9.6% 6.5% 6.1% 6.3% 10.6% 6.1% 4.1% 7.7%
Reinsurance assets 19.3% 20.9% 17.9% 19.9% 16.5% 19.6% 20.5% 19.9%
Total assets 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0%
Liabilities
Insurance reserves 18.2% 18.7% 16.7% 16.5% 16.9% 17.3% 16.4% 22.4%
Unearned premiums 18.2% 18.7% 16.7% 16.5% 16.9% 17.3% 16.4% 22.4%
Total liabilities 69.0% 70.5% 65.9% 69.0% 68.2% 63.1% 62.7% 68.8%
Equity
Equity attributable to shareholders 31.0% 29.5% 34.1% 31.0% 31.8% 36.9% 37.3% 31.2%
Total equity 31.0% 29.5% 34.1% 31.0% 31.8% 36.9% 37.3% 31.2%
Total liabilities & equity 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0%
Key figures
Common equity 31.0% 29.5% 34.1% 31.0% 31.8% 36.9% 37.3% 31.2%

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. Updated 16 Oct 2026.

All reported line items 100
JGICL balance sheet — all reported line items (Rs bn)
Rs bn 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
Cash & Cash Equivalents 1.7 3.9 2.6 2.7 2.5 1.6 2.0 3.1
Receivables - Total 7.4 5.3 4.8 5.2 7.1 4.1 2.7 4.4
Insurance Premium Receivables 6.7 4.4 4.0 4.3 6.3 3.2 2.1 3.9
Receivables - Other 0.7 0.9 0.8 0.8 0.8 0.9 0.6 0.4
Investments including Loans - Total 32.4 30.5 34.4 33.5 28.8 29.2 28.7 23.9
Investment Securities - Available for Sale, Held to Maturity & Held for Trading - Total 31.7 29.9 33.7 32.9 28.1 28.6 28.1 23.3
Investment Securities - Fixed Income 20.6 18.3 17.0 17.1 16.2 16.9 15.2 14.4
Investment Securities - Equity 10.8 11.4 16.3 15.5 11.7 11.5 12.6 8.6
Investment Securities - Other 0.4 0.3 0.4 0.2 0.2 0.2 0.2 0.3
Investment Property 0.6 0.6 0.6 0.6 0.6 0.6 0.6 0.6
Property, Plant & Equipment - Net - Total 0.2 0.2 0.2 0.2 0.2 0.2 0.2 0.1
Reinsurance Assets 13.4 14.0 11.7 13.7 9.8 10.3 10.3 10.2
Reinsurance Recoverable - In Insurance Provisions 13.4 14.0 11.7 13.7 9.8 10.3 10.3 10.2
Reinsurance Recoverable - Outstanding Claims 13.4 14.0 11.7 13.7 9.8 10.3 10.3 10.2
Other Assets - Total 14.0 12.7 11.3 13.1 10.9 6.5 6.1 9.2
Deferred Charges 0.4 0.4 0.4 0.5 0.3 0.4 0.4 0.5
Investments in Associates, Joint Ventures and Unconsolidated Subsidiaries 0.3 0.4 0.4 0.3 0.3 0.3 0.3 0.3
Deferred Tax - Asset - Long-Term & Short-Term — — — — — — — 0.0
Prepaid Expenses - Total 8.0 6.8 6.6 6.9 6.3 4.7 4.6 7.5
Other Assets 5.7 5.4 4.3 5.7 4.3 1.4 1.1 1.1
Intangible Assets - Total - Net 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1
Pension Benefits - Overfunded - Total 0.0 0.0 0.0 0.0 0.0 0.0 0.0 —
Intangible Assets - excluding Goodwill - Net - Total 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1
Total Assets 69.5 67.1 65.4 68.7 59.7 52.3 50.4 51.3
Insurance Reserves - Total 12.7 12.5 10.9 11.3 10.1 9.0 8.3 11.5
Debt - Total 0.0 0.0 0.0 0.0 0.0 — 0.0 0.0
Short-Term Debt & Current Portion of Long-Term Debt 0.0 — — — — — — —
Unearned Premiums - Gross 12.7 12.5 10.9 11.3 10.1 9.0 8.3 11.5
Current Portion of Long-Term Debt including Capitalized Leases 0.0 — — — — — — —
Debt - Long-Term - Total 0.0 0.0 0.0 0.0 0.0 — 0.0 0.0
Current Portion of Long-Term Debt excluding Capitalized Leases 0.0 — — — — — — —
Capitalized Lease Obligations - Long-Term 0.0 0.0 0.0 0.0 0.0 — 0.0 0.0
Long-Term Debt excluding Capitalized Leases 0.0 — — — — — — —
Debt - Non-Convertible - Long-Term 0.0 — — — — — — —
Dividends Payable — — — — — — — 0.2
Deferred Tax & Investment Tax Credits - Long-Term 0.4 0.0 1.9 1.8 0.9 1.1 1.6 0.4
Deferred Tax - Liability - Long-Term 0.4 0.0 1.9 1.8 0.9 1.1 1.6 0.4
Payables & Accrued Expenses 29.0 28.9 25.8 28.3 25.0 21.4 20.5 21.7
Accrued Expenses — — — — — — — 0.4
Payable - Reinsurance & Brokers/Agents 7.5 5.6 6.1 6.2 7.9 5.2 4.3 5.9
Other Liabilities - Total 5.9 5.8 4.4 5.9 4.7 1.5 1.2 1.5
Other Payables - Total 21.5 23.3 19.7 22.1 17.1 16.1 16.2 15.4
Other Liabilities - 5.9 5.8 4.4 5.9 4.7 1.5 1.2 1.5
Total Liabilities 48.0 47.3 43.1 47.4 40.8 33.0 31.6 35.3
Shareholders' Equity - Attributable to Parent Shareholders - Total 21.5 19.8 22.3 21.3 19.0 19.3 18.8 16.0
Common Equity Attributable to Parent Shareholders 21.5 19.8 22.3 21.3 19.0 19.3 18.8 16.0
Common Equity - Contributed 2.0 2.0 2.0 2.0 2.0 2.0 2.0 2.0
Common Stock - Issued & Paid 2.0 2.0 2.0 2.0 2.0 2.0 2.0 2.0
Equity - Non-Contributed - Reserves & Retained Earnings 19.5 17.8 20.3 19.3 17.0 17.3 16.8 14.0
Retained Earnings - Total 19.5 17.8 20.3 19.3 17.0 17.3 16.8 6.9
Comprehensive Income - Accumulated - Total — — — — — — — 1.4
Investments - Unrealized Gain/Loss — — — — — — — 1.4
Foreign Currency Translation Adjustment - Accumulated — — — — — — — 0.1
Other Reserves/Equity - Total — — — — — — — 5.7
Common Equity - Total 21.5 19.8 22.3 21.3 19.0 19.3 18.8 16.0
Total Shareholders' Equity - including Minority Interest & Hybrid Debt 21.5 19.8 22.3 21.3 19.0 19.3 18.8 16.0
Total Liabilities & Equity 69.5 67.1 65.4 68.7 59.7 52.3 50.4 51.3
Common Shares - Issued - Total mn 198.5 198.5 198.5 198.5 198.5 198.5 198.5 198.5
Common Shares - Outstanding - Total mn 198.5 198.5 198.5 198.5 198.5 198.5 198.5 198.5
Common Shares - Treasury - Total mn 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Common Shares - Authorized - Issue Specific mn 600.0 600.0 600.0 600.0 6,000.0 6,000.0 6,000.0 600.0
Common Shares - Issued - Issue Specific mn 198.5 198.5 198.5 198.5 198.5 198.5 198.5 198.5
Common Shares - Outstanding - Issue Specific mn 198.5 198.5 198.5 198.5 198.5 198.5 198.5 198.5
Common Shares - Treasury - Issue Specific mn 0.0 0.0 0.0 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× 1.00× 1.00× 1.00×
Finance and Operating Lease Liabilities - Total - Supplemental 0.0 0.0 0.0 0.0 0.0 — 0.0 0.0
Debt including Finance and Operating Lease Liabilities - Supplemental 0.0 0.0 0.0 0.0 0.0 — 0.0 0.0
Net Debt (1.7) (3.9) (2.6) (2.7) (2.4) (1.6) (2.0) (3.0)
Asset Accruals (1.7) (3.9) (2.6) (2.7) (2.5) (1.6) (2.0) (3.1)
Cash & Cash Equivalents - Total 1.7 3.9 2.6 2.7 2.5 1.6 2.0 3.1
Cash & Securities 32.4 30.5 34.4 33.5 28.8 29.2 28.7 23.9
Cash & Short Term Investments - Total 1.7 3.9 2.6 2.7 2.5 1.6 2.0 3.1
Debt - including Preferred Equity & Minority Interest - Total 0.0 0.0 0.0 0.0 0.0 — 0.0 0.0
Earning Assets 32.4 30.5 34.4 33.5 28.8 29.2 28.7 23.9
Equity Securities & Real Estate 11.4 12.0 17.0 16.1 12.3 12.1 13.3 9.3
Invested Assets - Total 32.4 30.5 34.4 33.5 28.8 29.2 28.7 23.9
Investment Securities 31.7 29.9 33.7 32.9 28.1 28.6 28.1 23.3
Investments - Permanent 1.0 1.0 1.0 0.9 0.9 0.9 0.9 0.9
Net Book Capital 19.9 15.9 19.7 18.6 16.6 17.7 16.9 13.0
Net Operating Assets 19.9 15.9 19.7 18.6 16.6 17.7 16.9 13.0
Non-Reserve Liabilities 35.3 34.7 32.2 36.1 30.7 24.0 23.3 23.8
Provisions - Total 0.4 0.0 1.9 1.8 0.9 1.1 1.6 0.4
Shareholders Equity - Common 21.5 19.8 22.3 21.3 19.0 19.3 18.8 16.0
Tangible Total Equity 21.5 19.7 22.2 21.2 18.9 19.2 18.7 15.9
Tangible Book Value 21.5 19.7 22.2 21.2 18.9 19.2 18.7 15.9
Total Book Capital 21.5 19.8 22.3 21.3 19.0 19.3 18.9 16.0
Total Capital 21.5 19.8 22.3 21.3 19.0 19.3 18.9 16.0
Total Long Term Capital 21.5 19.8 22.3 21.3 19.0 19.3 18.8 16.0
Book Value excluding Other Equity 21.5 19.8 22.3 21.3 19.0 19.3 18.8 10.3
Cash & Short Term Investments - Net of Debt 1.7 3.9 2.6 2.7 2.4 1.6 2.0 3.0
Current Portion of Long-Term Debt including Capitalized Leases & Hybrid Financial Instruments 0.0 — — — — — — —
Interest Bearing Liabilities - Total 0.0 0.0 0.0 0.0 0.0 — 0.0 0.0
Net Debt Including Preferred Equity & Minority Interest (1.7) (3.9) (2.6) (2.7) (2.4) (1.6) (2.0) (3.0)
Other Short-Term & Long-Term Assets - Total 14.0 12.7 11.3 13.1 10.9 6.5 6.1 9.2
Other Short-Term & Long-Term Liabilities - Total 5.9 5.8 4.4 5.9 4.7 1.5 1.2 1.5
Tangible Book Value excluding Other Equity 21.5 19.7 22.2 21.2 18.9 19.2 18.7 10.2
Total Debt Excluding Islamic 0.0 0.0 0.0 0.0 0.0 — 0.0 0.0
Investment in Equity, Real Estate & Mortgages 11.4 12.0 17.0 16.1 12.3 12.1 13.3 9.3
Book Value excluding Accumulated Comprehensive Income — — — — — — — 14.6
Reinsurance Liabilities 7.5 5.6 6.1 6.2 7.9 5.2 4.3 5.9

Every line the company reported, in the original order and wording, without regrouping or signs changed.