Last close · 16 Oct 2026
Rs 5.00 -1.96%
Annual · FY2012 – FY2025
PICIC Insurance Limited (PIL) balance sheet
At the end of FY2025 (Jan – Dec 2025) PICIC Insurance Limited had total assets of Rs 111.1 mn, up 5.5% on FY2024. Shareholders' equity was -Rs 29.2 mn (Rs -0.83 per share), -26.2% of total assets.
| Rs mn | FY2025 Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 Jan – Dec 2021 | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||||
| Cash & cash equivalents | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |||||||||
| Investments | 84.8 | 79.0 | 66.6 | 56.8 | 51.6 | |||||||||
| Premium receivables | — | — | — | — | — | |||||||||
| Reinsurance assets | — | — | — | — | — | |||||||||
| Total assets | 111.1 | 105.3 | 93.0 | 83.2 | 79.2 | |||||||||
| Liabilities | ||||||||||||||
| Insurance reserves | 57.7 | 57.7 | 65.7 | — | — | |||||||||
| Unearned premiums | — | — | — | — | — | |||||||||
| Total liabilities | 140.3 | 116.3 | 108.9 | 102.7 | 97.7 | |||||||||
| Equity | ||||||||||||||
| Equity attributable to shareholders | (29.2) | (11.0) | (15.9) | (19.5) | (18.4) | |||||||||
| Total equity | (29.2) | (11.0) | (15.9) | (19.5) | (18.4) | |||||||||
| Total liabilities & equity | 111.1 | 105.3 | 93.0 | 83.2 | 79.2 | |||||||||
| Key figures | ||||||||||||||
| Shares outstanding mn | 35.0 | 35.0 | 35.0 | 35.0 | 35.0 | |||||||||
| Common equity | (29.2) | (11.0) | (15.9) | (19.5) | (18.4) | |||||||||
| Book value per share (Rs) Rs | (0.83) | (0.31) | (0.46) | (0.56) | (0.53) | |||||||||
| Rs mn | FY2025 Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 Jan – Dec 2021 | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||||
| Cash & cash equivalents | 0.0% | -81.3% | -15.8% | +72.7% | -86.0% | |||||||||
| Investments | +7.4% | +18.5% | +17.3% | +10.2% | +6.7% | |||||||||
| Premium receivables | — | — | — | — | — | |||||||||
| Reinsurance assets | — | — | — | — | — | |||||||||
| Total assets | +5.5% | +13.3% | +11.8% | +5.0% | +4.8% | |||||||||
| Liabilities | ||||||||||||||
| Insurance reserves | 0.0% | -12.2% | — | — | — | |||||||||
| Unearned premiums | — | — | — | — | — | |||||||||
| Total liabilities | +20.6% | +6.8% | +6.1% | +5.1% | +4.3% | |||||||||
| Equity | ||||||||||||||
| Equity attributable to shareholders | — | — | — | — | — | |||||||||
| Total equity | — | — | — | — | — | |||||||||
| Total liabilities & equity | +5.5% | +13.3% | +11.8% | +5.0% | +4.8% | |||||||||
| Key figures | ||||||||||||||
| Shares outstanding | — | — | — | — | — | |||||||||
| Common equity | — | — | — | — | — | |||||||||
| Book value per share (Rs) | — | — | — | — | — | |||||||||
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 | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||||
| Cash & cash equivalents | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |||||||||
| Investments | 76.3% | 75.0% | 71.7% | 68.3% | 65.1% | |||||||||
| Premium receivables | — | — | — | — | — | |||||||||
| Reinsurance assets | — | — | — | — | — | |||||||||
| Total assets | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | |||||||||
| Liabilities | ||||||||||||||
| Insurance reserves | 51.9% | 54.8% | 70.7% | — | — | |||||||||
| Unearned premiums | — | — | — | — | — | |||||||||
| Total liabilities | 126.2% | 110.4% | 117.2% | 123.5% | 123.3% | |||||||||
| Equity | ||||||||||||||
| Equity attributable to shareholders | (26.2%) | (10.4%) | (17.2%) | (23.5%) | (23.3%) | |||||||||
| Total equity | (26.2%) | (10.4%) | (17.2%) | (23.5%) | (23.3%) | |||||||||
| Total liabilities & equity | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | |||||||||
| Key figures | ||||||||||||||
| Common equity | (26.2%) | (10.4%) | (17.2%) | (23.5%) | (23.3%) | |||||||||
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 15 Oct 2026.
All reported line items 80
| Rs mn | FY2025 Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 Jan – Dec 2021 |
|---|---|---|---|---|---|
| Cash & Cash Equivalents | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Receivables - Total | 26.3 | 26.3 | 26.3 | 26.3 | 27.6 |
| Insurance Premium Receivables | — | — | — | — | — |
| Income Tax - Receivables | 26.3 | 26.3 | 26.3 | 26.3 | 27.6 |
| Receivables - Other | — | — | — | — | — |
| Investments including Loans - Total | 84.8 | 79.0 | 66.6 | 56.8 | 51.6 |
| Property, Plant & Equipment - Net - Total | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Deferred Policy Acquisition Costs | — | — | — | — | — |
| Reinsurance Assets | — | — | — | — | — |
| Reinsurance Recoverable - In Insurance Provisions | — | — | — | — | — |
| Reinsurance Recoverable - Outstanding Claims | — | — | — | — | — |
| Other Assets - Total | — | — | — | — | — |
| Deferred Charges | — | — | — | — | — |
| Deferred Tax - Asset - Long-Term & Short-Term | — | — | — | — | — |
| Accrued Investment Income | — | — | — | — | — |
| Prepaid Expenses - Total | — | — | — | — | — |
| Intangible Assets - Total - Net | — | — | — | — | — |
| Intangible Assets - excluding Goodwill - Net - Total | — | — | — | — | — |
| Total Assets | 111.1 | 105.3 | 93.0 | 83.2 | 79.2 |
| Insurance Reserves - Total | 57.7 | 57.7 | 65.7 | — | — |
| Debt - Total | — | — | — | — | — |
| Short-Term Debt & Current Portion of Long-Term Debt | — | — | — | — | — |
| Unearned Premiums - Gross | — | — | — | — | — |
| Policy & Contract Claims - Gross | 57.7 | 57.7 | 65.7 | — | — |
| Current Portion of Long-Term Debt including Capitalized Leases | — | — | — | — | — |
| Capitalized Leases - Current Portion | — | — | — | — | — |
| Debt - Long-Term - Total | — | — | — | — | — |
| Capitalized Lease Obligations - Long-Term | — | — | — | — | — |
| Dividends Payable | 0.2 | 0.2 | 0.2 | 0.2 | — |
| Payables & Accrued Expenses | 82.4 | 58.4 | 43.0 | 102.5 | 97.7 |
| Accrued Expenses | — | — | — | — | — |
| Payable - Reinsurance & Brokers/Agents | 17.7 | 17.7 | 17.7 | — | — |
| Other Payables - Total | 64.7 | 40.7 | 25.4 | 102.5 | 97.7 |
| Total Liabilities | 140.3 | 116.3 | 108.9 | 102.7 | 97.7 |
| Shareholders' Equity - Attributable to Parent Shareholders - Total | (29.2) | (11.0) | (15.9) | (19.5) | (18.4) |
| Common Equity Attributable to Parent Shareholders | (29.2) | (11.0) | (15.9) | (19.5) | (18.4) |
| Common Equity - Contributed | 350.0 | 350.0 | 350.0 | 350.0 | 350.0 |
| Common Stock - Issued & Paid | 350.0 | 350.0 | 350.0 | 350.0 | 350.0 |
| Equity - Non-Contributed - Reserves & Retained Earnings | (379.2) | (361.0) | (365.9) | (369.5) | (368.4) |
| Retained Earnings - Total | (379.2) | (361.0) | (365.9) | (369.5) | (368.4) |
| Common Equity - Total | (29.2) | (11.0) | (15.9) | (19.5) | (18.4) |
| Total Shareholders' Equity - including Minority Interest & Hybrid Debt | (29.2) | (11.0) | (15.9) | (19.5) | (18.4) |
| Total Liabilities & Equity | 111.1 | 105.3 | 93.0 | 83.2 | 79.2 |
| Common Shares - Issued - Total mn | 35.0 | 35.0 | 35.0 | 35.0 | 35.0 |
| Common Shares - Outstanding - Total mn | 35.0 | 35.0 | 35.0 | 35.0 | 35.0 |
| Common Shares - Treasury - Total mn | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Common Shares - Authorized - Issue Specific mn | 125.0 | 125.0 | 125.0 | 125.0 | 125.0 |
| Common Shares - Issued - Issue Specific mn | 35.0 | 35.0 | 35.0 | 35.0 | 35.0 |
| Common Shares - Outstanding - Issue Specific mn | 35.0 | 35.0 | 35.0 | 35.0 | 35.0 |
| Common Shares - Treasury - Issue Specific mn | 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× |
| Finance and Operating Lease Liabilities - Total - Supplemental | — | — | — | — | — |
| Debt including Finance and Operating Lease Liabilities - Supplemental | — | — | — | — | — |
| Net Debt | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) |
| Asset Accruals | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) |
| Cash & Cash Equivalents - Total | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Cash & Short Term Investments - Total | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Debt - including Preferred Equity & Minority Interest - Total | — | — | — | — | — |
| Earning Assets | 84.8 | 79.0 | 66.6 | 56.8 | 51.6 |
| Invested Assets - Total | 84.8 | 79.0 | 66.6 | 56.8 | 51.6 |
| Net Book Capital | (29.2) | (11.0) | (16.0) | (19.5) | (18.5) |
| Net Operating Assets | (29.2) | (11.0) | (16.0) | (19.5) | (18.5) |
| Non-Reserve Liabilities | 82.6 | 58.6 | 43.2 | — | — |
| Shareholders Equity - Common | (29.2) | (11.0) | (15.9) | (19.5) | (18.4) |
| Tangible Total Equity | (29.2) | (11.0) | (15.9) | (19.5) | (18.4) |
| Tangible Book Value | (29.2) | (11.0) | (15.9) | (19.5) | (18.4) |
| Total Book Capital | (29.2) | (11.0) | (15.9) | (19.5) | (18.4) |
| Total Capital | (29.2) | (11.0) | (15.9) | (19.5) | (18.4) |
| Total Long Term Capital | (29.2) | (11.0) | (15.9) | (19.5) | (18.4) |
| Book Value excluding Other Equity | (29.2) | (11.0) | (15.9) | (19.5) | (18.4) |
| Cash & Short Term Investments - Net of Debt | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Current Portion of Long-Term Debt including Capitalized Leases & Hybrid Financial Instruments | — | — | — | — | — |
| Interest Bearing Liabilities - Total | — | — | — | — | — |
| Net Debt Including Preferred Equity & Minority Interest | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) |
| Other Short-Term & Long-Term Assets - Total | — | — | — | — | — |
| Tangible Book Value excluding Other Equity | (29.2) | (11.0) | (15.9) | (19.5) | (18.4) |
| Total Debt Excluding Islamic | — | — | — | — | — |
| Benefit & Claims Reserves - Gross | 57.7 | 57.7 | 65.7 | — | — |
| Reinsurance Liabilities | 17.7 | 17.7 | 17.7 | — | — |
| Cash in Hand & with Banks - Total | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Every line the company reported, in the original order and wording, without regrouping or signs changed.