Last close · 16 Oct 2026
Rs 5.00 -1.96%
Annual · FY2012 – FY2025
PICIC Insurance Limited (PIL) income statement
PICIC Insurance Limited reported total income of Rs 12.2 mn for FY2025 (Jan – Dec 2025), down 3.4% on FY2024. The loss attributable to shareholders was Rs 14.9 mn, or Rs -0.43 per share.
| 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 | — | 0.0 | 0.0 | 0.0 | 0.0 | |||||||||
| Investment income (net) | 12.2 | 12.6 | 8.2 | 4.7 | 3.4 | |||||||||
| Total income | 12.2 | 12.6 | 8.2 | 4.7 | 3.4 | |||||||||
| Net claims & benefits | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |||||||||
| Profit before tax | (11.9) | 5.2 | 2.0 | (0.3) | (0.4) | |||||||||
| Taxation | (3.0) | (1.9) | (1.2) | (2.7) | 0.0 | |||||||||
| Profit after tax | (14.9) | 3.3 | 0.8 | (3.1) | (0.4) | |||||||||
| Profit attributable to shareholders | (14.9) | 3.3 | 0.8 | (3.1) | (0.4) | |||||||||
| Per share | ||||||||||||||
| EPS – basic (Rs) Rs | (0.43) | 0.10 | 0.02 | (0.09) | (0.01) | |||||||||
| Dividend per share (Rs) Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |||||||||
| 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 | — | — | — | — | — | |||||||||
| Investment income (net) | -3.4% | +52.5% | +76.9% | +38.8% | -29.3% | |||||||||
| Total income | -3.4% | +52.5% | +76.9% | +38.8% | -29.3% | |||||||||
| Net claims & benefits | — | — | — | — | — | |||||||||
| Profit before tax | -327.1% | +161.0% | — | — | — | |||||||||
| Taxation | +61.5% | +52.1% | -54.7% | — | — | |||||||||
| Profit after tax | -546.4% | +337.8% | — | — | — | |||||||||
| Profit attributable to shareholders | -546.4% | +337.8% | — | — | — | |||||||||
| Per share | ||||||||||||||
| EPS – basic (Rs) | -546.4% | +337.8% | — | — | — | |||||||||
| Dividend 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 |
|---|---|---|---|---|---|
| Net premium earned | — | 0.0% | 0.0% | 0.0% | 0.0% |
| Investment income (net) | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% |
| Total income | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% |
| Net claims & benefits | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Profit before tax | (97.5%) | 41.5% | 24.2% | (7.3%) | (12.9%) |
| Taxation | (25.0%) | (15.0%) | (15.0%) | (58.6%) | 0.0% |
| Profit after tax | (122.5%) | 26.5% | 9.2% | (65.8%) | (12.9%) |
| Profit attributable to shareholders | (122.5%) | 26.5% | 9.2% | (65.8%) | (12.9%) |
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. Updated 15 Oct 2026.
All reported line items 94
| Rs mn | FY2025 Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 Jan – Dec 2021 |
|---|---|---|---|---|---|
| Net Premiums Earned | — | 0.0 | 0.0 | 0.0 | 0.0 |
| Fees & Commissions Income | — | — | — | — | — |
| Fees & Commissions Expense | — | — | — | — | — |
| Investment Income/(Expense) - Net - Insurance | 12.2 | 12.6 | 8.2 | 4.7 | 3.4 |
| Investment Income - Gross - Insurance - Total | 12.2 | 12.6 | 8.2 | 4.7 | 3.4 |
| Revenue from Business-Related Activities - Other - Total | — | — | — | — | — |
| Revenue from Business Activities - Total | 12.2 | 12.6 | 8.2 | 4.7 | 3.4 |
| Insurance Claims/Reserves - Total | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Insurance Benefits Paid - Current | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Selling, General & Administrative Expenses - Total | 6.7 | 7.1 | 5.9 | 4.7 | 3.9 |
| Selling, General & Administrative Expenses - Unclassified | — | — | — | — | — |
| Depreciation in Selling, General & Administrative Expenses | — | — | — | — | — |
| Other Operating Expense/(Income) - Net | — | 0.3 | 0.3 | 0.3 | 0.3 |
| Operating Expenses - Total | 6.7 | 7.4 | 6.2 | 5.0 | 4.2 |
| Labor & Related Expenses including Stock-Based Compensation in Selling, General & Administrative Expenses | 6.7 | 7.1 | 5.9 | 4.7 | 3.9 |
| Selling, General & Administrative Expenses - Other - Total | — | — | — | — | — |
| Operating Profit before Non-Recurring Income/(Expense) | 5.5 | 5.2 | 2.0 | (0.3) | (0.8) |
| Interest Expense - Net of Capitalized Interest | — | — | — | — | — |
| Sale of Tangible & Intangible Fixed Assets - Gain/Loss | — | — | — | — | — |
| Other Non-Operating Income/(Expense) - Total | (17.3) | — | 0.0 | 0.0 | 0.0 |
| Normalized Pre-tax Profit | (11.9) | 5.2 | 2.0 | (0.3) | (0.8) |
| Non-Recurring Income/Expense - Total | — | — | — | — | 0.4 |
| Fair Value Adjustments - Financial Investments | — | — | — | — | 0.4 |
| Provision for Income Tax Expense- Unclassified | 3.0 | 1.9 | 1.2 | 2.7 | 0.0 |
| Income before Taxes | (11.9) | 5.2 | 2.0 | (0.3) | (0.4) |
| Income Taxes | 3.0 | 1.9 | 1.2 | 2.7 | 0.0 |
| Income Taxes for the Year - Current | — | — | — | — | — |
| Income Taxes - Deferred | — | — | — | — | — |
| Income Taxes - Other (by Type) | — | — | — | — | — |
| Net Income after Tax | (14.9) | 3.3 | 0.8 | (3.1) | (0.4) |
| Income before Discontinued Operations & Extraordinary Items | (14.9) | 3.3 | 0.8 | (3.1) | (0.4) |
| Net Income before Minority Interest | (14.9) | 3.3 | 0.8 | (3.1) | (0.4) |
| Net Income after Minority Interest | (14.9) | 3.3 | 0.8 | (3.1) | (0.4) |
| Income Available to Common Shares | (14.9) | 3.3 | 0.8 | (3.1) | (0.4) |
| DPS - Common - Gross - Issue - By Period End Date Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income - Basic - including Extraordinary Items Applicable to Common - Total | (14.9) | 3.3 | 0.8 | (3.1) | (0.4) |
| Income available to Common excluding Extraordinary Items | (14.9) | 3.3 | 0.8 | (3.1) | (0.4) |
| Shares used to calculate Basic EPS - Total mn | 35.0 | 35.0 | 35.0 | 35.0 | 35.0 |
| EPS - Basic - including Extraordinary Items Applicable to Common - Total Rs | (0.43) | 0.10 | 0.02 | (0.09) | (0.01) |
| EPS - Basic - excluding Extraordinary Items Applicable to Common - Total Rs | (0.43) | 0.10 | 0.02 | (0.09) | (0.01) |
| EPS - Basic - excluding Extraordinary Items - Normalized - Total Rs | (0.43) | 0.10 | 0.02 | (0.09) | (0.02) |
| Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific | (14.9) | 3.3 | 0.8 | (3.1) | (0.4) |
| 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 | 35.0 | 35.0 | 35.0 | 35.0 | 35.0 |
| EPS - Basic - including Extraordinary Items Applicable to Common - Issue Specific Rs | (0.43) | 0.10 | 0.02 | (0.09) | (0.01) |
| EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific Rs | (0.43) | 0.10 | 0.02 | (0.09) | (0.01) |
| EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific Rs | (0.43) | 0.10 | 0.02 | (0.09) | (0.02) |
| EPS - Basic from Discontinued Operations & Extraordinary Items Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Dilution Adjustment | — | — | — | — | — |
| Net Income - Diluted - including Extraordinary Items Applicable to Common - Total | (14.9) | 3.3 | 0.8 | (3.1) | (0.4) |
| Diluted Income available to Common excluding Extraordinary Items | (14.9) | 3.3 | 0.8 | (3.1) | (0.4) |
| Shares used to calculate Diluted EPS - Total mn | 35.0 | 35.0 | 35.0 | 35.0 | 35.0 |
| EPS - Diluted - including Extraordinary Items Applicable to Common - Total Rs | (0.43) | 0.10 | 0.02 | (0.09) | (0.01) |
| EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total Rs | (0.43) | 0.10 | 0.02 | (0.09) | (0.01) |
| EPS - Diluted - excluding Extraordinary Items - Normalized - Total Rs | (0.43) | 0.10 | 0.02 | (0.09) | (0.02) |
| Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue Specific | (14.9) | 3.3 | 0.8 | (3.1) | (0.4) |
| 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 | 35.0 | 35.0 | 35.0 | 35.0 | 35.0 |
| EPS - Diluted - including Extraordinary Items Applicable to Common - Issue Specific Rs | (0.43) | 0.10 | 0.02 | (0.09) | (0.01) |
| EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific Rs | (0.43) | 0.10 | 0.02 | (0.09) | (0.01) |
| EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific Rs | (0.43) | 0.10 | 0.02 | (0.09) | (0.02) |
| EPS - Diluted from Discontinued Operations & Extraordinary Items Rs | 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 |
| DPS - Common - Net - Issue - By Announcement Date Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Earnings before Interest & Taxes (EBIT) | 5.5 | 5.2 | 2.0 | (0.3) | (0.8) |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) | 5.5 | 5.2 | 2.0 | (0.3) | (0.8) |
| Depreciation & Amortization - Supplemental | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Depreciation Expense - Total - Supplemental | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Depreciation, Depletion & Amortization - Total | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Depreciation - Total | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Normalized after Tax Profit | (14.9) | 3.3 | 0.8 | (3.1) | (0.8) |
| Normalized Net Income from Continuing Operations | (14.9) | 3.3 | 0.8 | (3.1) | (0.8) |
| Normalized Net Income - Bottom Line | (14.9) | 3.3 | 0.8 | (3.1) | (0.8) |
| Earnings before Interest & Taxes (EBIT) - Normalized | (11.9) | 5.2 | 2.0 | (0.3) | (0.8) |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized | (11.8) | 5.2 | 2.0 | (0.3) | (0.8) |
| Interest Expense | — | — | — | — | — |
| Investment Income - Insurance | 12.2 | 12.6 | 8.2 | 4.7 | 3.4 |
| Losses, Benefits & Adjustments - Insurance | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Operating Expenses | 6.7 | 7.4 | 6.2 | 5.0 | 4.2 |
| Selling, General & Administrative Expenses excluding Research & Development Expenses | 6.7 | 7.1 | 5.9 | 4.7 | 3.9 |
| Total Claim & Loss Expense | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Underwriting Expenses - Insurance | 6.7 | 7.4 | 6.2 | 5.0 | 4.2 |
| Income before Taxes & Provision for Loan Losses | (11.9) | 5.2 | 2.0 | (0.3) | (0.4) |
| DPS - Common - Gross - Issue - By Payable Date Rs | 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 |
| Tax Adjusted Operating Income | — | 3.3 | 0.8 | — | — |
| Underwriting Expenses minus Losses, Benefits & Adjustments - Insurance | 6.7 | 7.4 | 6.2 | 5.0 | 4.2 |
| Operating Expenses excluding Non-Cash Charges - Total | 6.6 | 7.4 | 6.2 | 5.0 | 4.2 |
| Premiums Earned - Total | — | 0.0 | 0.0 | 0.0 | 0.0 |
| Losses, Benefits & Adjustments - Total | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Income Available to Common Shares before Depreciation & Amortization | (14.9) | 3.3 | 0.8 | (3.1) | (0.4) |
| Fixed Charges | — | — | — | — | — |
| Estimated Tax Rate | 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 |
Every line the company reported, in the original order and wording, without regrouping or signs changed.