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JGICL Jubilee General Insurance Limited

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

Last close · 16 Oct 2026

Rs 77.00 -0.91%

Quarterly · Q3 FY2021 – Q2 FY2026

Jubilee General Insurance Limited (JGICL) quarterly income statement

Jubilee General Insurance Limited reported total income of Rs 4.0 bn for Q2 FY2026 (Apr – Jun 2026), up 2.3% on Q2 FY2025. Tax of Rs 662.8 mn took 39.5% of pre-tax profit. Profit attributable to shareholders was Rs 1.0 bn, down 16.5% on Q2 FY2025, or Rs 5.12 per share.

JGICL 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 9.2 2.6 2.3 2.3 2.0 2.2 2.2 1.8 1.7
Investment income (net) 2.9 0.7 0.8 0.7 0.7 0.7 0.8 0.7 0.7
Total income 15.9 4.0 4.8 3.8 3.4 3.9 3.9 3.3 2.8
Net claims & benefits (5.7) (1.5) (1.2) (1.3) (1.6) (1.2) (0.9) (0.9) (0.9)
Profit before tax 6.9 1.7 2.6 1.4 1.3 1.9 2.2 1.6 1.3
Taxation (2.6) (0.7) (1.0) (0.6) (0.4) (0.7) (0.9) (0.6) (0.6)
Profit after tax 4.3 1.0 1.6 0.8 0.8 1.2 1.4 0.9 0.7
Profit attributable to shareholders 4.3 1.0 1.6 0.8 0.8 1.2 1.4 0.9 0.7
Per share
EPS – basic (Rs) Rs 21.45 5.12 8.15 3.91 4.27 6.13 6.89 4.74 3.67
Dividend per share (Rs) Rs 6.00 0.00 0.00 6.00 0.00 0.00 0.00 5.50 0.00
JGICL 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 +19.5% +7.3% +26.8% +16.9% +15.6% +9.2% +9.6% -7.4%
Investment income (net) +7.8% -6.9% -0.6% -3.0% -15.7% +4.6% -6.5% +4.9%
Total income +2.3% +20.4% +13.6% +22.5% +30.5% +29.2% +20.6% -1.4%
Net claims & benefits +28.2% +34.8% +34.9% +72.8% +31.6% -1.8% -4.3% -7.3%
Profit before tax -11.8% +15.0% -11.8% -4.4% +30.2% +43.7% +58.3% -1.2%
Taxation -3.4% +10.0% -3.1% -30.1% +22.6% +44.9% +1,301.6% +23.9%
Profit after tax -16.5% +18.2% -17.5% +16.4% +35.0% +42.9% +0.2% -15.1%
Profit attributable to shareholders -16.5% +18.2% -17.5% +16.4% +35.0% +42.9% +0.2% -15.1%
Per share
EPS – basic (Rs) -16.5% +18.2% -17.5% +16.4% +35.0% +42.9% +0.2% -15.1%
Dividend per share (Rs) — — +9.1% — — — +10.0% —

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

JGICL 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 65.6% 48.9% 60.4% 58.3% 56.1% 54.9% 54.2% 61.1%
Investment income (net) 17.9% 16.0% 18.9% 21.1% 17.0% 20.7% 21.7% 26.6%
Total income 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0%
Net claims & benefits (38.6%) (26.2%) (33.8%) (47.4%) (30.8%) (23.4%) (28.5%) (33.6%)
Profit before tax 42.3% 54.4% 36.4% 37.1% 49.0% 56.9% 47.0% 47.5%
Taxation (16.7%) (20.4%) (15.8%) (12.1%) (17.7%) (22.3%) (18.6%) (21.2%)
Profit after tax 25.6% 34.0% 20.6% 25.0% 31.3% 34.6% 28.4% 26.3%
Profit attributable to shareholders 25.6% 34.0% 20.6% 25.0% 31.3% 34.6% 28.4% 26.3%

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 104
JGICL 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 2,602.3 2,326.8 2,276.9 1,981.8 2,177.6 2,168.2 1,795.9 1,695.8
Premiums Written - Gross 6,093.1 7,500.5 4,148.4 6,164.4 6,333.0 6,005.4 2,030.1 6,212.1
Premiums Ceded Out & Unearned - Reinsurance 3,066.3 3,334.4 2,839.2 3,102.7 3,017.0 2,929.1 2,935.0 3,217.1
Fees & Commissions Income 59.4 67.2 64.6 82.5 69.8 64.2 119.4 199.4
Unearned Premiums 424.4 1,839.3 (967.7) 1,079.9 1,138.4 908.0 (2,700.8) 1,299.2
Fees & Commissions Expense 152.8 139.3 158.0 160.3 157.7 176.7 125.4 99.1
Investment Income/(Expense) - Net - Insurance 709.6 759.5 713.6 716.6 658.0 816.1 718.3 739.0
Investments & Loans - Business - Gain/(Loss) 598.6 1,600.0 712.6 616.8 976.2 899.7 682.7 140.3
Investment Income - Gross - Insurance - Total 733.2 776.2 729.8 731.6 672.7 837.0 736.2 747.7
Investment Expense - Insurance - Total 23.6 16.6 16.2 15.0 14.7 20.9 17.9 8.7
Investment Securities - Business - Gain/(Loss) 598.6 1,600.0 712.6 616.8 976.2 899.7 682.7 140.3
Revenue from Business-Related Activities - Other - Total 59.4 67.2 64.6 82.5 69.8 64.2 119.4 199.4
Revenue from Business Activities - Total 3,969.9 4,753.6 3,767.7 3,397.7 3,881.6 3,948.3 3,316.3 2,774.5
Insurance Claims/Reserves - Total 1,532.7 1,247.2 1,273.6 1,610.7 1,195.4 925.2 944.3 931.9
Insurance Benefits Paid - Current 1,532.7 1,247.2 1,273.6 1,610.7 1,195.4 925.2 944.3 931.9
Selling, General & Administrative Expenses - Total 707.8 715.1 674.1 595.5 695.8 674.5 705.3 502.0
Other Operating Expense/(Income) - Net (51.7) 26.5 143.6 (83.0) (36.7) (63.4) 40.1 (73.2)
Other Operating Income - Total 165.6 133.4 159.0 185.4 146.7 148.4 119.8 116.3
Operating Expenses - Total 2,341.7 2,128.2 2,249.4 2,283.4 2,012.2 1,713.0 1,815.1 1,459.8
Operating Profit before Non-Recurring Income/(Expense) 1,628.2 2,625.4 1,518.3 1,114.3 1,869.4 2,235.3 1,501.2 1,314.7
Other Operating Expense 113.9 159.9 302.6 102.4 110.0 85.1 159.9 43.1
Sale of Tangible & Intangible Fixed Assets - Gain/Loss 1.0 0.0 (0.2) 0.3 (0.1) 1.0 0.1 0.1
Equity Earnings/(Loss) - before Taxes including Non-Recurring 9.7 (1.1) 37.7 10.3 10.9 6.9 8.0 6.0
Other Non-Operating Income/(Expense) - Total — (0.0) — — — — — (0.0)
Foreign Exchange Gain/(Loss) - Non-Business 0.4 0.1 — (2.1) 3.0 0.8 0.7 (1.7)
Normalized Pre-tax Profit 1,639.3 2,624.4 1,555.8 1,122.8 1,883.2 2,244.0 1,510.0 1,319.1
Non-Recurring Income/Expense - Total 39.2 (38.7) (182.6) 137.1 18.9 4.1 47.3 (1.3)
Impairment - Financial Investments — — — — — — — —
Fair Value Adjustments - Financial Investments 39.2 (38.7) (182.6) 137.1 18.9 4.1 47.3 (1.3)
Provision for Income Tax Expense- Unclassified — — 596.6 — — — — —
Income before Taxes 1,678.5 2,585.7 1,373.2 1,259.9 1,902.0 2,248.0 1,557.3 1,317.8
Income Taxes 662.8 968.4 596.6 411.9 685.8 880.2 615.5 589.0
Income Taxes for the Year - Current 650.7 1,028.1 — 408.6 714.8 899.4 686.3 584.5
Income Taxes - Deferred 12.0 (59.7) — 3.3 (29.0) (19.2) (70.7) 4.5
Income Taxes - Other (by Type) — — — — — — — —
Net Income after Tax 1,015.7 1,617.3 776.6 848.0 1,216.2 1,367.8 941.7 728.8
Income before Discontinued Operations & Extraordinary Items 1,015.7 1,617.3 776.6 848.0 1,216.2 1,367.8 941.7 728.8
Net Income before Minority Interest 1,015.7 1,617.3 776.6 848.0 1,216.2 1,367.8 941.7 728.8
Net Income after Minority Interest 1,015.7 1,617.3 776.6 848.0 1,216.2 1,367.8 941.7 728.8
Income Available to Common Shares 1,015.7 1,617.3 776.6 848.0 1,216.2 1,367.8 941.7 728.8
Earnings Adjustments to Net Income - Other Expense/(Income) 0.0 — — — — — — —
DPS - Common - Gross - Issue - By Period End Date Rs 0.00 0.00 6.00 0.00 0.00 0.00 5.50 0.00
Net Income - Basic - including Extraordinary Items Applicable to Common - Total 1,015.7 1,617.3 776.6 848.0 1,216.2 1,367.8 941.7 728.8
Income available to Common excluding Extraordinary Items 1,015.7 1,617.3 776.6 848.0 1,216.2 1,367.8 941.7 728.8
Shares used to calculate Basic EPS - Total mn 198.5 198.5 198.5 198.5 198.5 198.5 198.5 198.5
EPS - Basic - including Extraordinary Items Applicable to Common - Total Rs 5.12 8.15 3.91 4.27 6.13 6.89 4.74 3.67
EPS - Basic - excluding Extraordinary Items Applicable to Common - Total Rs 5.12 8.15 3.91 4.27 6.13 6.89 4.74 3.67
EPS - Basic - excluding Extraordinary Items - Normalized - Total Rs 4.92 8.34 4.83 3.58 6.03 6.87 4.51 3.68
Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific 1,015.7 1,617.3 776.6 848.0 1,216.2 1,367.8 941.7 728.8
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 198.5 198.5 198.5 198.5 198.5 198.5 198.5 198.5
EPS - Basic - including Extraordinary Items Applicable to Common - Issue Specific Rs 5.12 8.15 3.91 4.27 6.13 6.89 4.74 3.67
EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific Rs 5.12 8.15 3.91 4.27 6.13 6.89 4.74 3.67
EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific Rs 4.92 8.34 4.83 3.58 6.03 6.87 4.51 3.68
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 1,015.7 1,617.3 776.6 848.0 1,216.2 1,367.8 941.7 728.8
Diluted Income available to Common excluding Extraordinary Items 1,015.7 1,617.3 776.6 848.0 1,216.2 1,367.8 941.7 728.8
Shares used to calculate Diluted EPS - Total mn 198.5 198.5 198.5 198.5 198.5 198.5 198.5 198.5
EPS - Diluted - including Extraordinary Items Applicable to Common - Total Rs 5.12 8.15 3.91 4.27 6.13 6.89 4.74 3.67
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total Rs 5.12 8.15 3.91 4.27 6.13 6.89 4.74 3.67
EPS - Diluted - excluding Extraordinary Items - Normalized - Total Rs 4.92 8.34 4.83 3.58 6.03 6.87 4.51 3.68
Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue Specific 1,015.7 1,617.3 776.6 848.0 1,216.2 1,367.8 941.7 728.8
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 198.5 198.5 198.5 198.5 198.5 198.5 198.5 198.5
EPS - Diluted - including Extraordinary Items Applicable to Common - Issue Specific Rs 5.12 8.15 3.91 4.27 6.13 6.89 4.74 3.67
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific Rs 5.12 8.15 3.91 4.27 6.13 6.89 4.74 3.67
EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific Rs 4.92 8.34 4.83 3.58 6.03 6.87 4.51 3.68
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 6.00 0.00 0.00 0.00 5.50 0.00 0.00
DPS - Common - Net - Issue - By Announcement Date Rs 0.00 5.40 0.00 0.00 0.00 4.95 0.00 0.00
Earnings before Interest & Taxes (EBIT) 1,628.2 2,625.4 1,518.3 1,114.3 1,869.4 2,235.3 1,501.2 1,314.7
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) 1,653.4 2,653.5 1,546.7 1,141.0 1,895.7 2,260.4 1,529.2 1,332.0
Depreciation & Amortization - Supplemental 25.1 28.1 28.4 26.7 26.3 25.1 28.0 17.3
Depreciation Expense - Total - Supplemental 20.9 23.6 19.9 18.6 18.2 17.2 19.6 12.5
Amortization - Total - Supplemental 4.3 4.5 8.5 8.1 8.1 7.9 8.4 4.9
Intangible Amortization - Other - Supplemental 4.3 4.5 8.5 8.1 8.1 7.9 8.4 4.9
Amortization of Computer Software - Supplemental 4.3 4.5 8.5 8.1 8.1 7.9 8.4 4.9
Depreciation, Depletion & Amortization - Total 25.1 28.1 28.4 26.7 26.3 25.1 28.0 17.3
Depreciation - Total 20.9 23.6 19.9 18.6 18.2 17.2 19.6 12.5
Amortization of Intangible Assets excluding Goodwill - Total 4.3 4.5 8.5 8.1 8.1 7.9 8.4 4.9
Normalized after Tax Profit 976.5 1,656.0 959.2 710.9 1,197.4 1,363.8 894.4 730.1
Normalized Net Income from Continuing Operations 976.5 1,656.0 959.2 710.9 1,197.4 1,363.8 894.4 730.1
Normalized Net Income - Bottom Line 976.5 1,656.0 959.2 710.9 1,197.4 1,363.8 894.4 730.1
Earnings before Interest & Taxes (EBIT) - Normalized 1,639.3 2,624.4 1,555.8 1,122.8 1,883.2 2,244.0 1,510.0 1,319.1
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized 1,664.4 2,652.5 1,584.2 1,149.5 1,909.5 2,269.1 1,538.0 1,336.4
Investment Income - Insurance 709.6 759.5 713.6 716.6 658.0 816.1 718.3 739.0
Losses, Benefits & Adjustments - Insurance 1,532.7 1,247.2 1,273.6 1,610.7 1,195.4 925.2 944.3 931.9
Operating Expenses 2,341.7 2,128.2 2,249.4 2,283.4 2,012.2 1,713.0 1,815.1 1,459.8
Premiums Ceded Out & Unearned - Total 3,490.7 5,173.7 1,871.5 4,182.6 4,155.4 3,837.2 234.2 4,516.3
Selling, General & Administrative Expenses excluding Research & Development Expenses 707.8 715.1 674.1 595.5 695.8 674.5 705.3 502.0
Total Claim & Loss Expense 1,532.7 1,247.2 1,273.6 1,610.7 1,195.4 925.2 944.3 931.9
Underwriting Expenses - Insurance 809.0 881.0 975.8 672.7 816.8 787.9 870.9 527.9
Income before Taxes & Provision for Loan Losses 1,678.5 2,585.7 1,373.2 1,259.9 1,902.0 2,248.0 1,557.3 1,317.8
DPS - Common - Gross - Issue - By Payable Date Rs 0.00 6.00 0.00 0.00 5.50 0.00 0.00 0.00
DPS - Common - Gross - Issue - By Ex Date Rs 0.00 6.00 0.00 0.00 5.50 0.00 0.00 0.00
Tax Adjusted Operating Income 1,015.7 1,617.3 776.6 848.0 1,216.2 1,367.8 941.7 728.8
Underwriting Expenses minus Losses, Benefits & Adjustments - Insurance (723.8) (366.3) (297.8) (938.0) (378.6) (137.3) (73.4) (404.0)
Operating Expenses excluding Non-Cash Charges - Total 2,316.6 2,100.1 2,221.0 2,256.7 1,985.9 1,687.9 1,787.1 1,442.5
Premiums Earned - Total 2,661.7 2,394.1 2,341.5 2,064.3 2,247.4 2,232.4 1,915.3 1,895.2
Losses, Benefits & Adjustments - Total 1,532.7 1,247.2 1,273.6 1,610.7 1,195.4 925.2 944.3 931.9
Income Available to Common Shares before Depreciation & Amortization 1,040.9 1,645.4 805.0 874.7 1,242.5 1,393.0 969.8 746.1
Net Premiums Written 3,026.8 4,166.1 1,309.2 3,061.7 3,316.0 3,076.2 (904.9) 2,995.0
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 6.00 0.00 0.00 0.00 5.50 0.00 0.00

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