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SHNI Shaheen Insurance Company Limited

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

Last close · 16 Oct 2026

Rs 8.55 -4.04%

Quarterly · Q3 FY2021 – Q2 FY2026

Shaheen Insurance Company Limited (SHNI) quarterly income statement

Shaheen Insurance Company Limited reported total income of Rs 618.7 mn for Q2 FY2026 (Apr – Jun 2026), up 50.7% on Q2 FY2025. Tax of Rs 28.8 mn took 27.9% of pre-tax profit. Profit attributable to shareholders was Rs 74.5 mn, up 101.3% on Q2 FY2025, or Rs 0.71 per share.

SHNI income statement (quarterly) (Rs mn)
Rs mn 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 Q2 FY2024 Apr – Jun 2024 Q1 FY2024 Jan – Mar 2024 Q4 FY2023 Oct – Dec 2023 Q3 FY2023 Jul – Sep 2023 Q2 FY2023 Apr – Jun 2023 Q1 FY2023 Jan – Mar 2023 Q4 FY2022 Oct – Dec 2022 Q3 FY2022 Jul – Sep 2022 Q2 FY2022 Apr – Jun 2022 Q1 FY2022 Jan – Mar 2022 Q4 FY2021 Oct – Dec 2021 Q3 FY2021 Jul – Sep 2021
Net premium earned 1,283.4 609.5 270.2 170.6 233.1 364.7 357.1 370.3 190.2 207.1 153.8 127.6 99.2 127.7 89.1 115.0 79.9 62.0 43.9 46.7 36.1
Investment income (net) 50.5 2.1 11.2 19.7 17.4 45.3 11.7 15.1 20.5 30.5 30.5 33.5 25.7 31.5 22.3 28.1 17.7 21.2 13.1 10.6 11.5
Total income 1,343.0 618.7 282.1 191.0 251.2 410.6 369.4 386.1 211.2 238.2 184.9 161.7 125.5 159.7 111.9 143.7 98.1 83.6 57.8 58.4 48.7
Net claims & benefits (621.8) (340.5) (134.6) (42.4) (104.2) (247.5) (194.1) (197.0) (72.6) (118.1) (56.3) (41.8) (35.2) (45.5) (27.0) (37.9) (18.7) (11.8) (11.9) (1.2) (10.1)
Acquisition & underwriting expenses (238.6) (133.1) (49.7) (28.7) (27.2) (46.2) (78.0) (44.6) (48.6) (31.8) (31.7) (24.1) (15.9) (22.9) (19.7) (20.6) (15.8) (14.4) (8.4) (7.2) (8.1)
Profit before tax 257.1 103.3 44.8 65.0 44.0 52.3 40.2 65.8 56.7 52.5 62.6 59.7 33.5 41.2 29.1 12.0 30.3 25.7 9.2 9.4 (0.1)
Taxation (63.9) (28.8) (13.0) (9.3) (12.8) (15.3) (11.7) (23.4) (16.4) (15.2) (18.1) (17.4) (10.9) (11.4) (7.9) (5.3) (10.7) (6.1) (2.3) 1.2 6.1
Profit after tax 193.2 74.5 31.8 55.7 31.2 37.0 28.6 42.4 40.3 37.2 44.4 42.3 22.6 29.8 21.2 6.7 19.6 19.6 6.9 10.6 6.0
Profit attributable to shareholders 193.2 74.5 31.8 55.7 31.2 37.0 28.6 42.4 40.3 37.2 44.4 42.3 22.6 29.8 21.2 6.7 19.6 19.6 6.9 10.6 6.0
Per share
EPS – basic (Rs) Rs 1.84 0.71 0.30 0.53 0.30 0.36 0.27 0.40 0.39 0.36 0.39 0.40 0.22 0.28 0.20 0.06 0.19 0.19 0.07 0.10 0.06
Dividend per share (Rs) Rs 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.14 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
SHNI 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 Q2 FY2024 Apr – Jun 2024 Q1 FY2024 Jan – Mar 2024 Q4 FY2023 Oct – Dec 2023 Q3 FY2023 Jul – Sep 2023 Q2 FY2023 Apr – Jun 2023 Q1 FY2023 Jan – Mar 2023 Q4 FY2022 Oct – Dec 2022 Q3 FY2022 Jul – Sep 2022 Q2 FY2022 Apr – Jun 2022 Q1 FY2022 Jan – Mar 2022 Q4 FY2021 Oct – Dec 2021 Q3 FY2021 Jul – Sep 2021
Net premium earned +67.1% -24.3% -53.9% +22.6% +76.1% +132.2% +190.2% +91.6% +62.1% +72.6% +10.9% +24.2% +106.0% +103.0% +146.1% +121.6% +26.7% -9.0% +23.7% -49.9%
Investment income (net) -95.3% -4.0% +31.0% -15.1% +48.3% -61.7% -55.1% -20.4% -3.0% +36.7% +19.2% +45.8% +48.8% +70.4% +164.8% +53.0% +47.4% +14.4% +0.7% -8.0%
Total income +50.7% -23.6% -50.5% +18.9% +72.4% +99.8% +138.7% +68.3% +49.1% +65.2% +12.5% +28.0% +91.0% +93.5% +146.0% +101.6% +29.9% -4.7% +17.7% -43.0%
Net claims & benefits +37.6% -30.6% -78.5% +43.5% +109.6% +244.9% +371.9% +106.3% +159.6% +108.7% +10.2% +88.4% +285.8% +126.0% +2,952.0% +85.8% -0.8% -39.6% -89.9% -44.1%
Acquisition & underwriting expenses +187.7% -36.3% -35.7% -44.0% +45.6% +145.9% +85.0% +205.8% +38.7% +60.8% +17.1% +0.7% +59.2% +135.0% +184.4% +95.0% +42.7% -13.8% -38.1% -40.0%
Profit before tax +97.3% +11.4% -1.2% -22.5% -0.2% -35.7% +10.3% +69.4% +27.3% +114.8% +396.7% +10.6% +60.2% +217.7% +27.9% — +74.5% +125.2% — -100.8%
Taxation +87.8% +11.4% -60.0% -22.1% +0.8% -35.7% +34.3% +50.3% +33.0% +129.3% +225.8% +2.2% +86.8% +244.7% — — — — — -183.5%
Profit after tax +101.3% +11.4% +31.2% -22.6% -0.7% -35.7% +0.4% +78.6% +25.1% +109.4% +533.5% +15.1% +51.9% +208.6% -37.1% +229.3% +8.9% +18.6% +506.0% -36.5%
Profit attributable to shareholders +101.3% +11.4% +31.2% -22.6% -0.7% -35.7% +0.4% +78.6% +25.1% +109.4% +533.5% +15.1% +51.9% +208.6% -37.1% +229.3% +8.9% +18.6% +506.0% -36.5%
Per share
EPS – basic (Rs) +99.4% +12.2% +34.6% -23.1% -0.4% -31.3% -2.0% +79.8% +26.0% +94.8% +533.5% +15.1% +51.9% +208.6% -37.1% +229.3% +8.9% +18.6% +505.9% -36.5%
Dividend per share (Rs) — — — — — — -100.0% — — — — — — — — — — — — —

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

SHNI 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 Q2 FY2024 Apr – Jun 2024 Q1 FY2024 Jan – Mar 2024 Q4 FY2023 Oct – Dec 2023 Q3 FY2023 Jul – Sep 2023 Q2 FY2023 Apr – Jun 2023 Q1 FY2023 Jan – Mar 2023 Q4 FY2022 Oct – Dec 2022 Q3 FY2022 Jul – Sep 2022 Q2 FY2022 Apr – Jun 2022 Q1 FY2022 Jan – Mar 2022 Q4 FY2021 Oct – Dec 2021 Q3 FY2021 Jul – Sep 2021
Net premium earned 98.5% 95.8% 89.3% 92.8% 88.8% 96.7% 95.9% 90.0% 86.9% 83.2% 78.9% 79.1% 80.0% 79.6% 80.1% 81.5% 74.1% 75.9% 80.0% 74.1%
Investment income (net) 0.3% 4.0% 10.3% 6.9% 11.0% 3.2% 3.9% 9.7% 12.8% 16.5% 20.7% 20.5% 19.7% 19.9% 19.6% 18.0% 25.3% 22.6% 18.2% 23.7%
Total income 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0%
Net claims & benefits (55.0%) (47.7%) (22.2%) (41.5%) (60.3%) (52.6%) (51.0%) (34.4%) (49.6%) (30.4%) (25.8%) (28.0%) (28.5%) (24.1%) (26.4%) (19.1%) (14.1%) (20.6%) (2.1%) (20.7%)
Acquisition & underwriting expenses (21.5%) (17.6%) (15.0%) (10.8%) (11.3%) (21.1%) (11.6%) (23.0%) (13.3%) (17.2%) (14.9%) (12.7%) (14.3%) (17.6%) (14.3%) (16.1%) (17.2%) (14.5%) (12.4%) (16.6%)
Profit before tax 16.7% 15.9% 34.0% 17.5% 12.7% 10.9% 17.0% 26.8% 22.0% 33.9% 36.9% 26.7% 25.8% 26.0% 8.4% 30.9% 30.7% 15.9% 16.1% (0.3%)
Taxation (4.7%) (4.6%) (4.9%) (5.1%) (3.7%) (3.2%) (6.1%) (7.7%) (6.4%) (9.8%) (10.8%) (8.7%) (7.2%) (7.1%) (3.7%) (10.9%) (7.3%) (4.0%) 2.1% 12.5%
Profit after tax 12.0% 11.3% 29.1% 12.4% 9.0% 7.7% 11.0% 19.1% 15.6% 24.0% 26.1% 18.0% 18.6% 19.0% 4.6% 20.0% 23.4% 11.9% 18.1% 12.2%
Profit attributable to shareholders 12.0% 11.3% 29.1% 12.4% 9.0% 7.7% 11.0% 19.1% 15.6% 24.0% 26.1% 18.0% 18.6% 19.0% 4.6% 20.0% 23.4% 11.9% 18.1% 12.2%

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 17 Oct 2026.

All reported line items 97
SHNI 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 Q2 FY2024 Apr – Jun 2024 Q1 FY2024 Jan – Mar 2024 Q4 FY2023 Oct – Dec 2023 Q3 FY2023 Jul – Sep 2023
Net Premiums Earned 609.5 270.2 170.6 233.1 364.7 357.1 370.3 190.2 207.1 153.8 127.6 99.2
Fees & Commissions Income 0.7 0.7 0.7 0.7 0.6 0.6 0.7 0.6 0.6 0.6 0.6 0.6
Investment Income/(Expense) - Net - Insurance 2.1 11.2 19.7 17.4 45.3 11.7 15.1 20.5 30.5 30.5 33.5 25.7
Investments & Loans - Business - Gain/(Loss) 6.5 — — — — — — — — — — —
Investment Income - Gross - Insurance - Total 2.1 11.2 19.7 17.4 45.3 11.7 15.1 20.5 30.5 30.5 33.5 25.7
Investment Securities - Business - Gain/(Loss) 6.5 — — — — — — — — — — —
Revenue from Business-Related Activities - Other - Total 0.7 0.7 0.7 0.7 0.6 0.6 0.7 0.6 0.6 0.6 0.6 0.6
Revenue from Business Activities - Total 618.7 282.1 191.0 251.2 410.6 369.4 386.1 211.2 238.2 184.9 161.7 125.5
Insurance Claims/Reserves - Total 340.5 134.6 42.4 104.2 247.5 194.1 197.0 72.6 118.1 56.3 41.8 35.2
Insurance Benefits Paid - Current 340.5 134.6 42.4 104.2 247.5 194.1 197.0 72.6 118.1 56.3 41.8 35.2
Selling, General & Administrative Expenses - Total 71.9 69.3 79.7 74.6 60.9 64.4 95.5 51.9 56.9 49.9 49.9 48.0
Insurance Benefits Ceded — — — — — — — — — 0.0 — —
Underwriting Expenses 133.1 49.7 28.7 27.2 46.2 78.0 44.6 48.6 31.8 31.7 24.1 15.9
Policy Acquisition Costs - Total 133.1 49.7 28.7 27.2 46.2 78.0 44.6 48.6 31.8 31.7 24.1 15.9
Other Operating Expense/(Income) - Net 0.6 (2.1) 9.0 7.2 8.3 0.1 2.6 (1.5) (1.8) (0.2) 0.6 (1.5)
Fee & Commission Expense - Insurance 133.1 49.7 28.7 27.2 46.2 78.0 44.6 48.6 31.8 31.7 24.1 15.9
Operating Expenses - Total 546.0 251.5 159.8 213.2 362.9 336.6 339.8 171.6 204.9 137.8 116.3 97.6
Operating Profit before Non-Recurring Income/(Expense) 72.7 30.6 31.2 37.9 47.8 32.8 46.3 39.6 33.3 47.1 45.3 27.9
Interest Expense - Net of Capitalized Interest 1.5 1.4 3.9 1.4 1.0 0.8 1.3 1.0 0.3 0.5 0.5 0.5
Sale of Tangible & Intangible Fixed Assets - Gain/Loss 0.0 — — 0.2 (0.1) — — — — — — —
Other Non-Operating Income/(Expense) - Total 32.4 15.7 29.3 7.3 5.7 8.3 19.0 18.1 19.5 16.0 14.8 6.1
Normalized Pre-tax Profit 103.6 44.8 56.6 44.0 52.3 40.2 64.0 56.7 52.5 62.6 59.7 33.5
Non-Recurring Income/Expense - Total (0.3) 0.0 8.4 — — — 1.8 — — 0.0 0.0 —
Fair Value Adjustments - Investment Property — 0.0 8.4 — — — 1.8 — — 0.0 0.0 —
Fair Value Adjustments - Financial Investments (0.3) — — — — — — — — — — —
Provision for Income Tax Expense- Unclassified 28.8 13.0 9.3 12.8 15.3 11.7 23.4 16.4 15.2 18.1 17.4 10.9
Income before Taxes 103.3 44.8 65.0 44.0 52.3 40.2 65.8 56.7 52.5 62.6 59.7 33.5
Income Taxes 28.8 13.0 9.3 12.8 15.3 11.7 23.4 16.4 15.2 18.1 17.4 10.9
Net Income after Tax 74.5 31.8 55.7 31.2 37.0 28.6 42.4 40.3 37.2 44.4 42.3 22.6
Income before Discontinued Operations & Extraordinary Items 74.5 31.8 55.7 31.2 37.0 28.6 42.4 40.3 37.2 44.4 42.3 22.6
Net Income before Minority Interest 74.5 31.8 55.7 31.2 37.0 28.6 42.4 40.3 37.2 44.4 42.3 22.6
Net Income after Minority Interest 74.5 31.8 55.7 31.2 37.0 28.6 42.4 40.3 37.2 44.4 42.3 22.6
Income Available to Common Shares 74.5 31.8 55.7 31.2 37.0 28.6 42.4 40.3 37.2 44.4 42.3 22.6
Earnings Adjustments to Net Income - Other Expense/(Income) (0.0) — — — — — 0.0 — (0.0) — (0.0) —
DPS - Common - Gross - Issue - By Period End Date Rs 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.14 0.00
Net Income - Basic - including Extraordinary Items Applicable to Common - Total 74.5 31.8 55.7 31.2 37.0 28.6 42.4 40.3 37.2 44.4 42.3 22.6
Income available to Common excluding Extraordinary Items 74.5 31.8 55.7 31.2 37.0 28.6 42.4 40.3 37.2 44.4 42.3 22.6
Shares used to calculate Basic EPS - Total mn 104.8 104.8 104.7 104.8 103.8 105.5 107.4 104.1 104.1 112.7 104.8 104.8
EPS - Basic - including Extraordinary Items Applicable to Common - Total Rs 0.71 0.30 0.53 0.30 0.36 0.27 0.40 0.39 0.36 0.39 0.40 0.22
EPS - Basic - excluding Extraordinary Items Applicable to Common - Total Rs 0.71 0.30 0.53 0.30 0.36 0.27 0.40 0.39 0.36 0.39 0.40 0.22
EPS - Basic - excluding Extraordinary Items - Normalized - Total Rs 0.71 0.30 0.45 0.30 0.36 0.27 0.38 0.39 0.36 0.39 0.40 0.22
Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific 74.5 31.8 55.7 31.2 37.0 28.6 42.4 40.3 37.2 44.4 42.3 22.6
Earnings Allocation Factor - Basic - Issue Specific 1.00× 1.00× 1.00× 1.00× 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 104.8 104.8 104.7 104.8 103.8 105.5 107.4 104.1 104.1 112.7 104.8 104.8
EPS - Basic - including Extraordinary Items Applicable to Common - Issue Specific Rs 0.71 0.30 0.53 0.30 0.36 0.27 0.40 0.39 0.36 0.39 0.40 0.22
EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific Rs 0.71 0.30 0.53 0.30 0.36 0.27 0.40 0.39 0.36 0.39 0.40 0.22
EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific Rs 0.71 0.30 0.45 0.30 0.36 0.27 0.38 0.39 0.36 0.39 0.40 0.22
EPS - Basic from Discontinued Operations & Extraordinary Items Rs 0.00 0.00 0.00 0.00 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 74.5 31.8 55.7 31.2 37.0 28.6 42.4 40.3 37.2 44.4 42.3 22.6
Diluted Income available to Common excluding Extraordinary Items 74.5 31.8 55.7 31.2 37.0 28.6 42.4 40.3 37.2 44.4 42.3 22.6
Shares used to calculate Diluted EPS - Total mn 104.8 104.8 104.7 104.8 103.8 105.5 107.4 104.1 104.1 112.7 104.8 104.8
EPS - Diluted - including Extraordinary Items Applicable to Common - Total Rs 0.71 0.30 0.53 0.30 0.36 0.27 0.40 0.39 0.36 0.39 0.40 0.22
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total Rs 0.71 0.30 0.53 0.30 0.36 0.27 0.40 0.39 0.36 0.39 0.40 0.22
EPS - Diluted - excluding Extraordinary Items - Normalized - Total Rs 0.71 0.30 0.45 0.30 0.36 0.27 0.38 0.39 0.36 0.39 0.40 0.22
Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue Specific 74.5 31.8 55.7 31.2 37.0 28.6 42.4 40.3 37.2 44.4 42.3 22.6
Earnings Allocation Factor - Diluted - Issue Specific 1.00× 1.00× 1.00× 1.00× 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 104.8 104.8 104.7 104.8 103.8 105.5 107.4 104.1 104.1 112.7 104.8 104.8
EPS - Diluted - including Extraordinary Items Applicable to Common - Issue Specific Rs 0.71 0.30 0.53 0.30 0.36 0.27 0.40 0.39 0.36 0.39 0.40 0.22
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific Rs 0.71 0.30 0.53 0.30 0.36 0.27 0.40 0.39 0.36 0.39 0.40 0.22
EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific Rs 0.71 0.30 0.45 0.30 0.36 0.27 0.38 0.39 0.36 0.39 0.40 0.22
EPS - Diluted from Discontinued Operations & Extraordinary Items Rs 0.00 0.00 0.00 0.00 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 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.14 0.00 0.00
DPS - Common - Net - Issue - By Announcement Date Rs 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.13 0.00 0.00
Earnings before Interest & Taxes (EBIT) 72.7 30.6 31.2 37.9 47.8 32.8 46.3 39.6 33.3 47.1 45.3 27.9
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) 72.7 30.6 31.2 47.8 56.2 42.9 46.7 46.4 41.9 53.0 48.5 27.9
Depreciation & Amortization - Supplemental — — — 9.9 8.4 10.1 0.4 6.9 8.6 5.9 3.2 —
Depreciation Expense - Total - Supplemental — — — 9.9 8.4 10.1 0.4 6.9 8.6 5.9 3.2 —
Depreciation - Financial Lease Right-of-Use Assets - Supplemental — — — — — — 0.4 6.9 — — 3.2 —
Depreciation, Depletion & Amortization - Total — — — 9.9 8.4 10.1 0.4 6.9 8.6 5.9 3.2 —
Depreciation - Total — — — 9.9 8.4 10.1 0.4 6.9 8.6 5.9 3.2 —
Normalized after Tax Profit 74.8 31.8 47.3 31.2 37.0 28.6 40.6 40.3 37.2 44.4 42.3 22.6
Normalized Net Income from Continuing Operations 74.8 31.8 47.3 31.2 37.0 28.6 40.6 40.3 37.2 44.4 42.3 22.6
Normalized Net Income - Bottom Line 74.8 31.8 47.3 31.2 37.0 28.6 40.6 40.3 37.2 44.4 42.3 22.6
Earnings before Interest & Taxes (EBIT) - Normalized 105.1 46.3 60.5 45.4 53.3 41.1 65.3 57.7 52.8 63.1 60.1 34.0
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized — — — 55.3 61.8 51.2 65.7 64.5 61.4 69.0 63.3 —
Depreciation of Financial Lease Right-of-Use Assets — — — — — — 0.4 6.9 — — 3.2 —
Interest Expense on Financial Lease Liabilities - Supplemental 1.5 1.4 3.9 1.4 1.0 0.8 1.3 1.0 0.3 0.5 0.5 0.5
Interest Expense 1.5 1.4 3.9 1.4 1.0 0.8 1.3 1.0 0.3 0.5 0.5 0.5
Investment Income - Insurance 2.1 11.2 19.7 17.4 45.3 11.7 15.1 20.5 30.5 30.5 33.5 25.7
Losses, Benefits & Adjustments - Insurance 340.5 134.6 42.4 104.2 247.5 194.1 197.0 72.6 118.1 56.3 41.8 35.2
Operating Expenses 546.0 251.5 159.8 213.2 362.9 336.6 339.8 171.6 204.9 137.8 116.3 97.6
Selling, General & Administrative Expenses excluding Research & Development Expenses 71.9 69.3 79.7 74.6 60.9 64.4 95.5 51.9 56.9 49.9 49.9 48.0
Total Claim & Loss Expense 340.5 134.6 42.4 104.2 247.5 194.1 197.0 72.6 118.1 56.3 41.8 35.2
Underwriting & Commissions 133.1 49.7 28.7 27.2 46.2 78.0 44.6 48.6 31.8 31.7 24.1 15.9
Underwriting Expenses - Insurance 72.5 67.2 88.7 81.8 69.1 64.5 98.1 50.4 55.1 49.8 50.5 46.5
Income before Taxes & Provision for Loan Losses 103.3 44.8 65.0 44.0 52.3 40.2 65.8 56.7 52.5 62.6 59.7 33.5
DPS - Common - Gross - Issue - By Payable Date Rs 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.14 0.00 0.00 0.00
DPS - Common - Gross - Issue - By Ex Date Rs 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.14 0.00 0.00
Tax Adjusted Operating Income 75.5 32.9 59.0 32.2 37.7 29.2 43.3 41.0 37.5 44.8 42.6 23.0
Underwriting Expenses minus Losses, Benefits & Adjustments - Insurance (268.0) (67.4) 46.3 (22.4) (178.4) (129.7) (98.9) (22.2) (63.0) (6.5) 8.7 11.3
Operating Expenses excluding Non-Cash Charges - Total — — — 203.3 354.4 326.5 339.4 164.8 196.3 131.8 113.2 —
Premiums Earned - Total 610.2 270.9 171.3 233.8 365.4 357.7 371.0 190.7 207.7 154.4 128.2 99.8
Losses, Benefits & Adjustments - Total 473.5 184.3 71.1 131.4 293.7 272.1 241.7 121.2 149.9 88.0 65.9 51.1
Income Available to Common Shares before Depreciation & Amortization — — — 41.1 45.4 38.7 42.8 47.2 45.8 50.4 45.5 —
Fixed Charges 1.5 1.4 3.9 1.4 1.0 0.8 1.3 1.0 0.3 0.5 0.5 0.5
Estimated Tax Rate 0.29× 0.29× 0.29× 0.29× 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 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.14 0.00 0.00

Every line the company reported, in the original order and wording, without regrouping or signs changed. Latest 12 periods; the table above goes back further.