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JLICL Jubilee Life Insurance Company Limited

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

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Last close · 16 Oct 2026

Rs 101.85 -0.15%

Annual · FY2006 – FY2025

Jubilee Life Insurance Company Limited (JLICL) income statement

Jubilee Life Insurance Company Limited reported total income of Rs 84.2 bn for FY2025 (Jan – Dec 2025), down 4.1% on FY2024. Tax of Rs 1.7 bn took 40.3% of pre-tax profit. Profit attributable to shareholders was Rs 2.5 bn, down 3.0% on FY2024, or Rs 16.58 per share.

JLICL income statement (annual) (Rs bn)
Rs bn FY2025 Jan – Dec 2025 FY2024 * Jan – Dec 2024 FY2023 * Jan – Dec 2023 FY2022 Jan – Dec 2022 FY2021 Jan – Dec 2021
Net premium earned 56.7 46.6 44.1 45.6 47.6
Investment income (net) 24.7 35.8 31.3 19.4 12.4
Total income 84.2 87.9 75.8 61.9 61.1
Net claims & benefits (56.2) (55.6) (48.7) (42.9) (39.8)
Acquisition & underwriting expenses — — — — —
Profit before tax 4.2 4.3 4.4 3.3 2.5
Taxation (1.7) (1.8) (2.0) (1.2) (0.7)
Profit after tax 2.5 2.6 2.3 2.1 1.8
Profit attributable to shareholders 2.5 2.6 2.3 2.1 1.8
Per share
EPS – basic (Rs) Rs 16.58 17.10 15.32 13.77 11.91
Dividend per share (Rs) Rs 8.67 8.67 8.67 7.54 8.41
JLICL income statement — year-on-year change (Rs mn)
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 +21.7% +5.6% -3.3% -4.2% +5.2%
Investment income (net) -30.9% +14.5% +61.5% +55.6% +1.4%
Total income -4.1% +15.8% +22.6% +1.3% -5.2%
Net claims & benefits +1.1% +14.2% +13.5% +7.7% +38.2%
Acquisition & underwriting expenses — — — — —
Profit before tax -3.3% -0.6% +31.9% +29.9% -37.6%
Taxation -3.7% -14.4% +66.5% +64.5% -37.0%
Profit after tax -3.0% +11.6% +11.3% +15.6% -37.8%
Profit attributable to shareholders -3.0% +11.6% +11.3% +15.6% -37.8%
Per share
EPS – basic (Rs) -3.0% +11.6% +11.3% +15.6% -37.8%
Dividend per share (Rs) 0.0% 0.0% +15.0% -10.3% -12.1%

Change against the previous fiscal year; shown when the earlier figure is positive.

JLICL income statement — common size (Rs mn)
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 67.3% 53.0% 58.1% 73.7% 77.9%
Investment income (net) 29.3% 40.7% 41.2% 31.3% 20.4%
Total income 100.0% 100.0% 100.0% 100.0% 100.0%
Net claims & benefits (66.8%) (63.3%) (64.2%) (69.4%) (65.3%)
Acquisition & underwriting expenses — — — — —
Profit before tax 5.0% 4.9% 5.7% 5.3% 4.2%
Taxation (2.0%) (2.0%) (2.7%) (2.0%) (1.2%)
Profit after tax 3.0% 2.9% 3.0% 3.3% 2.9%
Profit attributable to shareholders 3.0% 2.9% 3.0% 3.3% 2.9%

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 147
JLICL income statement — all reported line items (Rs bn)
Rs bn FY2025 Jan – Dec 2025 FY2024 Jan – Dec 2024 FY2023 Jan – Dec 2023 FY2022 Jan – Dec 2022 FY2021 Jan – Dec 2021
Net Premiums Earned 56.7 46.6 44.1 45.6 47.6
Premiums Written - Gross 59.1 48.7 46.1 47.3 49.4
Premiums Ceded Out & Unearned - Reinsurance 2.4 2.1 2.0 1.8 1.8
Premiums Ceded Out to Reinsurance - Written 2.4 2.1 2.0 1.8 1.8
Fees & Commissions Income 0.1 0.1 0.1 0.1 0.0
Investment Income/(Expense) - Net - Insurance 24.7 35.8 31.3 19.4 12.4
Investments & Loans - Business - Gain/(Loss) 2.8 5.4 0.4 (3.1) 1.0
Investment Income - Gross - Insurance - Total 24.7 35.8 31.3 19.4 12.4
Investment Expense - Insurance - Total — — — — —
Investment Securities - Business - Gain/(Loss) 2.8 5.4 0.4 (3.2) 1.0
Revenue from Business-Related Activities - Other - Total 0.1 0.1 0.1 0.1 0.0
Derivatives - Hedging - Business - Gain/(Loss) 0.0 0.0 0.0 0.1 0.0
Derivatives - Hedging - Business - Fair Value Adjustments - Gain/(Loss) 0.0 0.0 0.0 0.1 0.0
Revenue from Business Activities - Total 84.2 87.9 75.8 61.9 61.1
Insurance Claims/Reserves - Total 56.2 55.6 48.7 42.9 39.8
Insurance Benefits Paid - Current 56.2 55.6 48.7 42.9 39.8
Selling, General & Administrative Expenses - Total 7.3 7.4 5.9 4.6 4.1
Selling, General & Administrative Expenses - Unclassified 1.8 1.6 1.9 1.1 0.9
Depreciation in Selling, General & Administrative Expenses 0.6 0.5 0.6 0.6 0.6
Amortization of Intangibles in Selling, General & Administrative Expenses 0.1 0.1 0.1 0.1 0.1
Underwriting Expenses — — — — —
Policy Acquisition Costs - Total — — — — —
Other Operating Expense/(Income) - Net 21.9 27.1 13.0 (7.1) (1.5)
Other Operating Income - Total 0.0 0.0 0.0 7.1 1.5
Policy Acquisition Costs - Other — — — — —
Operating Expenses - Total 85.4 90.2 67.7 40.5 42.5
Labor & Related Expenses including Stock-Based Compensation in Selling, General & Administrative Expenses 2.5 2.3 1.9 1.7 1.5
Selling, General & Administrative Expenses - Other - Total 2.4 2.9 1.5 1.2 1.0
Advertising Expense 0.8 0.9 0.8 0.7 0.6
Rental Expense 1.4 1.9 0.5 0.4 0.4
Operating Profit before Non-Recurring Income/(Expense) (1.2) (2.3) 8.2 21.4 18.6
Other Operating Expense 21.9 27.2 13.0 0.0 0.1
Interest Expense - Net of Capitalized Interest 0.1 0.2 0.2 0.2 0.2
Sale of Tangible & Intangible Fixed Assets - Gain/Loss 0.1 0.0 0.0 0.0 0.0
Equity Earnings/(Loss) - before Taxes including Non-Recurring 0.1 0.0 0.0 0.0 0.0
Other Non-Operating Income/(Expense) - Total (7.3) (6.1) (6.1) (6.4) (6.6)
Foreign Exchange Gain/(Loss) - Non-Business 0.0 0.0 0.0 0.0 (0.0)
Normalized Pre-tax Profit (8.5) (8.6) 2.0 14.9 11.8
Non-Recurring Income/Expense - Total 12.6 12.9 2.4 (11.6) (9.3)
Impairment - Tangible & Intangible Fixed Assets — — — — —
Impairment - Fixed Assets — — — — —
Impairment - Financial Investments — — — — —
Fair Value Adjustments - Financial Investments 12.6 12.9 2.4 (11.6) (9.3)
Non-Recurring Income/(Expense) - Other - Total — — — — —
Income before Taxes 4.2 4.3 4.4 3.3 2.5
Income Taxes 1.7 1.8 2.0 1.2 0.7
Income Taxes for the Year - Current 1.3 1.8 1.8 0.9 0.8
Income Taxes - Domestic - Current 1.3 1.8 1.7 0.9 0.8
Income Taxes - Other (KFAS/NLST) - Current 0.0 0.0 0.1 0.1 0.0
Income Taxes - Deferred 0.4 (0.0) 0.2 0.3 (0.0)
Income Taxes - Domestic - Deferred 0.4 (0.0) 0.2 0.3 (0.0)
Net Income after Tax 2.5 2.6 2.3 2.1 1.8
Income before Discontinued Operations & Extraordinary Items 2.5 2.6 2.3 2.1 1.8
Net Income before Minority Interest 2.5 2.6 2.3 2.1 1.8
Net Income after Minority Interest 2.5 2.6 2.3 2.1 1.8
Income Available to Common Shares 2.5 2.6 2.3 2.1 1.8
Other Comprehensive Income - Starting Line 2.5 2.6 2.3 2.1 1.8
Other Comprehensive Income - Foreign Currency (0.0) 0.0 0.0 0.0 0.0
Other Comprehensive Income - Unrealized Investment Gain/(Loss) 0.3 0.7 0.3 0.0 (0.2)
Other Comprehensive Income - Income Tax 0.0 (0.0) (0.0) (0.0) (0.0)
Other Comprehensive Income - Net of Tax - Total 0.3 0.7 0.3 0.1 (0.2)
Comprehensive Income before Minority Interest - Total 2.8 3.3 2.6 2.1 1.6
Comprehensive Income - Attributable to Parent Company Equity Holders - Total 2.8 3.3 2.6 2.1 1.6
DPS - Common - Gross - Issue - By Period End Date Rs 8.67 8.67 8.67 7.54 8.41
Net Income - Basic - including Extraordinary Items Applicable to Common - Total 2.5 2.6 2.3 2.1 1.8
Income available to Common excluding Extraordinary Items 2.5 2.6 2.3 2.1 1.8
Shares used to calculate Basic EPS - Total mn 150.5 150.5 150.5 150.5 150.5
EPS - Basic - including Extraordinary Items Applicable to Common - Total Rs 16.58 17.10 15.32 13.77 11.91
EPS - Basic - excluding Extraordinary Items Applicable to Common - Total Rs 16.58 17.10 15.32 13.77 11.91
EPS - Basic - excluding Extraordinary Items - Normalized - Total Rs (67.39) (68.53) (0.46) 90.62 73.45
Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific 2.5 2.6 2.3 2.1 1.8
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 150.5 150.5 150.5 150.5 150.5
EPS - Basic - including Extraordinary Items Applicable to Common - Issue Specific Rs 16.58 17.10 15.32 13.77 11.91
EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific Rs 16.58 17.10 15.32 13.77 11.91
EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific Rs (67.39) (68.53) (0.46) 90.62 73.45
EPS - Basic from Discontinued Operations & Extraordinary Items Rs 0.00 0.00 0.00 0.00 0.00
Comprehensive Earnings Per Share - Basic - Issue Specific Rs 18.63 21.83 17.17 14.20 10.87
Dilution Adjustment — — — — —
Net Income - Diluted - including Extraordinary Items Applicable to Common - Total 2.5 2.6 2.3 2.1 1.8
Diluted Income available to Common excluding Extraordinary Items 2.5 2.6 2.3 2.1 1.8
Shares used to calculate Diluted EPS - Total mn 150.5 150.5 150.5 150.5 150.5
EPS - Diluted - including Extraordinary Items Applicable to Common - Total Rs 16.58 17.10 15.32 13.77 11.91
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total Rs 16.58 17.10 15.32 13.77 11.91
EPS - Diluted - excluding Extraordinary Items - Normalized - Total Rs (67.39) (68.53) (0.46) 90.62 73.45
Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue Specific 2.5 2.6 2.3 2.1 1.8
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 150.5 150.5 150.5 150.5 150.5
EPS - Diluted - including Extraordinary Items Applicable to Common - Issue Specific Rs 16.58 17.10 15.32 13.77 11.91
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific Rs 16.58 17.10 15.32 13.77 11.91
EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific Rs (67.39) (68.53) (0.46) 90.62 73.45
EPS - Diluted from Discontinued Operations & Extraordinary Items Rs 0.00 0.00 0.00 0.00 0.00
Comprehensive Earnings Per Share - Diluted - Issue Specific Rs 18.63 21.83 17.17 14.20 10.87
DPS - Common - Gross - Issue - By Announcement Date Rs 8.67 8.67 7.80 8.41 9.57
DPS - Common - Net - Issue - By Announcement Date Rs 7.80 7.80 7.02 7.74 8.61
Earnings before Interest & Taxes (EBIT) (1.2) (2.3) 8.2 21.4 18.6
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) (0.5) (1.7) 8.9 22.1 19.3
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) and Operating Lease Payments 0.9 0.2 9.4 22.5 19.7
Depreciation & Amortization - Supplemental 0.7 0.6 0.7 0.7 0.7
Depreciation Expense - Total - Supplemental 0.6 0.5 0.6 0.6 0.6
Depreciation - Financial Lease Right-of-Use Assets - Supplemental 0.2 0.2 0.2 0.2 0.2
Amortization - Total - Supplemental 0.1 0.1 0.1 0.1 0.1
Intangible Amortization - Other - Supplemental 0.1 0.1 0.1 0.1 0.1
Amortization of Computer Software - Supplemental 0.1 0.1 0.1 0.1 0.1
Depreciation, Depletion & Amortization - Total 0.7 0.6 0.7 0.7 0.7
Depreciation - Total 0.6 0.5 0.6 0.6 0.6
Amortization of Intangible Assets including Goodwill - Total — — — — —
Amortization of Intangible Assets excluding Goodwill - Total 0.1 0.1 0.1 0.1 0.1
Labor & Related Expenses - Total 2.5 2.3 1.9 1.7 1.5
Labor & Related Expenses - Supplemental 2.5 2.3 1.9 1.7 1.5
Auditor Fees 0.0 0.0 0.0 0.0 0.0
Audit-Related Fees 0.0 0.0 0.0 0.0 0.0
Tax Fees 0.0 0.0 0.0 — —
Fees - Other 0.0 0.0 0.0 0.0 0.0
Normalized after Tax Profit (10.1) (10.3) (0.1) 13.6 11.1
Normalized Net Income from Continuing Operations (10.1) (10.3) (0.1) 13.6 11.1
Normalized Net Income - Bottom Line (10.1) (10.3) (0.1) 13.6 11.1
Earnings before Interest & Taxes (EBIT) - Normalized (8.4) (8.4) 2.2 15.1 12.0
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized (7.7) (7.8) 2.9 15.8 12.7
Lease Expense -Total — — — — —
Operating/Rental Expense – Supplemental — — — — —
Depreciation of Financial Lease Right-of-Use Assets 0.2 0.2 0.2 0.2 0.2
Interest Expense on Financial Lease Liabilities - Supplemental 0.1 0.1 0.1 0.1 0.1
Rental/Operating Lease Expense 1.4 1.9 0.5 0.4 0.4
Advertising Expenses - Supplemental 0.8 0.9 0.8 0.7 0.6
Interest Expense 0.1 0.2 0.2 0.2 0.2
Investment Income - Insurance 24.7 35.8 31.3 19.4 12.4
Losses, Benefits & Adjustments - Insurance 56.2 55.6 48.7 42.9 39.8
Operating Expenses 85.4 90.2 67.7 40.5 42.5
Premiums Ceded Out & Unearned - Total 2.4 2.1 2.0 1.8 1.8
Selling, General & Administrative Expenses excluding Research & Development Expenses 7.3 7.4 5.9 4.6 4.1
Total Claim & Loss Expense 56.2 55.6 48.7 42.9 39.8
Underwriting & Commissions — — — — —
Underwriting Expenses - Insurance 29.2 34.6 19.0 (2.4) 2.6
Income before Taxes & Provision for Loan Losses 4.2 4.3 4.4 3.3 2.5
DPS - Common - Gross - Issue - By Payable Date Rs 8.67 8.67 7.80 8.41 9.57
DPS - Common - Gross - Issue - By Ex Date Rs 8.67 8.67 7.80 8.41 9.57
Tax Adjusted Operating Income 2.6 2.7 2.4 2.2 1.9
Underwriting Expenses minus Losses, Benefits & Adjustments - Insurance (27.0) (21.1) (29.8) (45.4) (37.2)
Operating Expenses excluding Non-Cash Charges - Total 84.8 89.6 67.0 39.8 41.8
Premiums Earned - Total 56.8 46.6 44.2 45.6 47.6
Losses, Benefits & Adjustments - Total 56.2 55.6 48.7 42.9 39.8
Income Available to Common Shares before Depreciation & Amortization 3.2 3.2 3.0 2.8 2.5
Fixed Charges 0.1 0.2 0.2 0.2 0.2
Net Premiums Written 56.7 46.6 44.1 45.6 47.6
Estimated Tax Rate 0.29× 0.29× 0.29× 0.29× 0.29×
Total Common & Spl DPS -Gross - Issue - By Announcement Date Rs 8.67 8.67 7.80 8.41 9.57

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