Last close · 16 Oct 2026
Rs 10.85 +0.37%
Financials
The United Insurance Company (UNIC) financials
14 years of annual results (FY2012 – FY2025).
The United Insurance Company (UNIC) reported total income of Rs 5.2 bn for FY2025 (Jan – Dec 2025), down 7.9% from FY2024.
Profit attributable to shareholders was Rs 1.5 bn (EPS Rs 3.02), down 25.7%.
No cash dividend was declared for FY2025.
Return on equity was 18.6%.
Over the last five years total income grew at a compound 21.8% a year.
At Rs 10.85 (close on 16 Oct 2026) the shares trade at 3.6× earnings (FY2025) and 0.53× book value.
Fundamentals
UNIC at a glance
Net premium earned · FY2025
Rs 5.4 bn
▲ 5.5% year on year
Profit attributable to shareholders · FY2025
Rs 1.5 bn
▼ 25.7% year on year
EPS – basic (Rs) · FY2025
Rs 3.02
▼ 28.5% year on year
Dividend per share (Rs) · FY2025
Rs 0.00
▼ 100.0% year on year
Investments · FY2025
Rs 5.0 bn
▲ 13.7% year on year
Return on equity (ROE) · FY2025
18.6%
-18.1 pts year on year
Financial statements
Income statement
Revenue, costs, profit and earnings per share.
- Total income · FY2025
- Rs 5.2 bn
- Profit attributable · FY2025
- Rs 1.5 bn
Balance sheet
Assets, liabilities, debt and shareholders' equity.
- Total assets · FY2025
- Rs 21.9 bn
- Equity · FY2025
- Rs 10.2 bn
Financial highlights
UNIC financial results
| 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 | 5.4 | 5.1 | 3.6 | 3.4 | 2.7 |
| Investment income (net) | (0.3) | 0.5 | 0.1 | 0.1 | 0.1 |
| Net claims & benefits | (1.2) | (1.3) | (1.0) | (0.7) | (0.5) |
| Profit before tax | 2.3 | 2.8 | 1.4 | 1.2 | 1.1 |
| Profit attributable to shareholders | 1.5 | 2.0 | 1.0 | 0.9 | 0.8 |
| EPS – basic (Rs) Rs | 3.02 | 4.22 | 2.09 | 2.17 | 1.90 |
| Dividend per share (Rs) Rs | 0.00 | 1.67 | 2.43 | 3.12 | 0.69 |
| Investments | 5.0 | 4.4 | 3.5 | 3.3 | 2.5 |
| Total assets | 21.9 | 16.1 | 13.9 | 13.0 | 10.2 |
| Total equity | 10.2 | 6.0 | 5.0 | 4.7 | 4.4 |
Figures in Pakistani rupees as reported by the company; costs and cash outflows in brackets. Free cash flow and book value per share are calculated by Smart Money; TTM = the latest four quarters. Updated 15 Oct 2026.