Last close · 16 Oct 2026
Rs 18.50 0.00%
Annual · FY2017 – FY2025
The Universal Insurance Company Limited (UVIC) balance sheet
At the end of FY2025 (Jan – Dec 2025) The Universal Insurance Company Limited had total assets of Rs 908.0 mn, up 6.6% on FY2024. Shareholders' equity was Rs 727.2 mn (Rs 14.54 per share), 80.1% 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 | FY2020 Jan – Dec 2020 | FY2019 Jan – Dec 2019 | FY2018 Jan – Dec 2018 | FY2017 Jan – Dec 2017 |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Cash & cash equivalents | 23.9 | 61.5 | 142.9 | 10.1 | 13.4 | 9.3 | 46.4 | 26.5 | 90.2 |
| Investments | 547.7 | 418.2 | 103.3 | 157.1 | 201.5 | 221.0 | 211.6 | 197.2 | 151.8 |
| Premium receivables | 111.1 | 163.4 | 144.3 | 116.7 | 123.0 | 157.5 | 155.5 | 155.5 | 157.9 |
| Reinsurance assets | 32.1 | 38.8 | 40.0 | 21.7 | 37.4 | 26.2 | 26.2 | 34.7 | 54.3 |
| Total assets | 908.0 | 851.4 | 859.3 | 948.2 | 992.8 | 985.5 | 953.8 | 926.9 | 920.7 |
| Liabilities | |||||||||
| Insurance reserves | 22.2 | 13.4 | 10.2 | 38.3 | 48.4 | 62.7 | 41.3 | 14.3 | 6.2 |
| Unearned premiums | 22.2 | 13.4 | 10.2 | 38.3 | 48.4 | 62.7 | 41.3 | 14.3 | 6.2 |
| Total liabilities | 180.8 | 182.5 | 191.3 | 218.5 | 152.6 | 155.8 | 131.7 | 118.8 | 141.1 |
| Equity | |||||||||
| Equity attributable to shareholders | 727.2 | 668.9 | 668.0 | 729.7 | 840.2 | 829.7 | 822.1 | 808.1 | 779.6 |
| Total equity | 727.2 | 668.9 | 668.0 | 729.7 | 840.2 | 829.7 | 822.1 | 808.1 | 779.6 |
| Total liabilities & equity | 908.0 | 851.4 | 859.3 | 948.2 | 992.8 | 985.5 | 953.8 | 926.9 | 920.7 |
| Key figures | |||||||||
| Shares outstanding mn | 50.0 | 50.0 | 50.0 | 50.0 | 50.0 | 50.0 | 50.0 | 50.0 | 50.0 |
| Common equity | 727.2 | 668.9 | 668.0 | 729.7 | 840.2 | 829.7 | 822.1 | 808.1 | 779.6 |
| Book value per share (Rs) Rs | 14.54 | 13.38 | 13.36 | 14.59 | 16.80 | 16.59 | 16.44 | 16.16 | 15.59 |
| Rs mn | FY2025 Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 Jan – Dec 2021 | FY2020 Jan – Dec 2020 | FY2019 Jan – Dec 2019 | FY2018 Jan – Dec 2018 | FY2017 Jan – Dec 2017 |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Cash & cash equivalents | -61.1% | -56.9% | +1,318.5% | -24.8% | +43.6% | -79.9% | +75.2% | -70.6% | — |
| Investments | +31.0% | +304.7% | -34.2% | -22.1% | -8.8% | +4.5% | +7.3% | +29.9% | — |
| Premium receivables | -32.0% | +13.2% | +23.7% | -5.1% | -21.9% | +1.3% | +0.0% | -1.5% | — |
| Reinsurance assets | -17.2% | -3.1% | +84.4% | -42.0% | +43.0% | -0.1% | -24.6% | -36.0% | — |
| Total assets | +6.6% | -0.9% | -9.4% | -4.5% | +0.7% | +3.3% | +2.9% | +0.7% | — |
| Liabilities | |||||||||
| Insurance reserves | +65.7% | +30.7% | -73.3% | -20.8% | -22.9% | +51.7% | +188.5% | +130.0% | — |
| Unearned premiums | +65.7% | +30.7% | -73.3% | -20.8% | -22.9% | +51.7% | +188.5% | +130.0% | — |
| Total liabilities | -1.0% | -4.6% | -12.4% | +43.2% | -2.1% | +18.3% | +10.9% | -15.8% | — |
| Equity | |||||||||
| Equity attributable to shareholders | +8.7% | +0.1% | -8.5% | -13.2% | +1.3% | +0.9% | +1.7% | +3.7% | — |
| Total equity | +8.7% | +0.1% | -8.5% | -13.2% | +1.3% | +0.9% | +1.7% | +3.7% | — |
| Total liabilities & equity | +6.6% | -0.9% | -9.4% | -4.5% | +0.7% | +3.3% | +2.9% | +0.7% | — |
| Key figures | |||||||||
| Shares outstanding | — | — | — | — | — | — | — | — | — |
| Common equity | +8.7% | +0.1% | -8.5% | -13.2% | +1.3% | +0.9% | +1.7% | +3.7% | — |
| Book value per share (Rs) | +8.7% | +0.1% | -8.5% | -13.2% | +1.3% | +0.9% | +1.7% | +3.7% | — |
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 | FY2020 Jan – Dec 2020 | FY2019 Jan – Dec 2019 | FY2018 Jan – Dec 2018 | FY2017 Jan – Dec 2017 |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Cash & cash equivalents | 2.6% | 7.2% | 16.6% | 1.1% | 1.3% | 0.9% | 4.9% | 2.9% | 9.8% |
| Investments | 60.3% | 49.1% | 12.0% | 16.6% | 20.3% | 22.4% | 22.2% | 21.3% | 16.5% |
| Premium receivables | 12.2% | 19.2% | 16.8% | 12.3% | 12.4% | 16.0% | 16.3% | 16.8% | 17.1% |
| Reinsurance assets | 3.5% | 4.6% | 4.7% | 2.3% | 3.8% | 2.7% | 2.7% | 3.7% | 5.9% |
| Total assets | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% |
| Liabilities | |||||||||
| Insurance reserves | 2.4% | 1.6% | 1.2% | 4.0% | 4.9% | 6.4% | 4.3% | 1.5% | 0.7% |
| Unearned premiums | 2.4% | 1.6% | 1.2% | 4.0% | 4.9% | 6.4% | 4.3% | 1.5% | 0.7% |
| Total liabilities | 19.9% | 21.4% | 22.3% | 23.0% | 15.4% | 15.8% | 13.8% | 12.8% | 15.3% |
| Equity | |||||||||
| Equity attributable to shareholders | 80.1% | 78.6% | 77.7% | 77.0% | 84.6% | 84.2% | 86.2% | 87.2% | 84.7% |
| Total equity | 80.1% | 78.6% | 77.7% | 77.0% | 84.6% | 84.2% | 86.2% | 87.2% | 84.7% |
| Total liabilities & equity | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% |
| Key figures | |||||||||
| Common equity | 80.1% | 78.6% | 77.7% | 77.0% | 84.6% | 84.2% | 86.2% | 87.2% | 84.7% |
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 84
| Rs mn | FY2025 Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 Jan – Dec 2021 | FY2020 Jan – Dec 2020 | FY2019 Jan – Dec 2019 | FY2018 Jan – Dec 2018 | FY2017 Jan – Dec 2017 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Cash Equivalents | 23.9 | 61.5 | 142.9 | 10.1 | 13.4 | 9.3 | 46.4 | 26.5 | 90.2 |
| Receivables - Total | 128.7 | 180.6 | 154.1 | 125.6 | 131.4 | 166.3 | 164.3 | 164.9 | 167.1 |
| Insurance Premium Receivables | 111.1 | 163.4 | 144.3 | 116.7 | 123.0 | 157.5 | 155.5 | 155.5 | 157.9 |
| Income Tax - Receivables | 17.6 | 17.2 | 9.8 | 9.0 | 8.5 | 8.8 | 8.8 | 9.4 | 9.2 |
| Investments including Loans - Total | 547.7 | 418.2 | 103.3 | 157.1 | 201.5 | 221.0 | 211.6 | 197.2 | 151.8 |
| Investment Securities - Available for Sale, Held to Maturity & Held for Trading - Total | 500.0 | 370.9 | 57.0 | 115.3 | 166.2 | 190.3 | 185.4 | 175.5 | 131.6 |
| Investment Securities - Equity | 387.6 | 312.3 | 0.0 | 59.9 | 111.0 | 135.0 | 130.7 | 121.8 | 78.0 |
| Investment Securities - Other | 112.4 | 58.6 | 57.0 | 55.4 | 55.2 | 55.4 | 54.7 | 53.7 | 53.6 |
| Investment Property | 47.7 | 47.3 | 46.3 | 41.8 | 35.3 | 30.7 | 26.2 | 21.7 | 20.2 |
| Property, Plant & Equipment - Net - Total | 172.6 | 150.0 | 146.5 | 157.9 | 155.4 | 188.5 | 191.9 | 191.5 | 180.5 |
| Reinsurance Assets | 32.1 | 38.8 | 40.0 | 21.7 | 37.4 | 26.2 | 26.2 | 34.7 | 54.3 |
| Reinsurance Recoverable - In Insurance Provisions | 32.1 | 38.8 | 40.0 | 21.7 | 37.4 | 26.2 | 26.2 | 34.7 | 54.3 |
| Reinsurance Recoverable - Outstanding Claims | 32.1 | 38.8 | 40.0 | 21.7 | 37.4 | 26.2 | 26.2 | 34.7 | 54.3 |
| Other Assets - Total | 3.0 | 2.3 | 2.4 | 112.7 | 82.5 | 89.5 | 58.5 | 44.6 | 36.8 |
| Deferred Charges | 0.4 | 0.7 | 0.8 | 5.2 | 7.3 | 10.0 | 6.8 | 2.4 | 0.8 |
| Investments in Associates, Joint Ventures and Unconsolidated Subsidiaries | — | — | 270.1 | 363.1 | 371.1 | 284.7 | 254.9 | 267.6 | 240.0 |
| Deferred Tax - Asset - Long-Term & Short-Term | — | — | 0.0 | 95.1 | 56.0 | 57.0 | 33.2 | 33.2 | 33.2 |
| Prepaid Expenses - Total | 2.6 | 1.6 | 1.6 | 12.5 | 19.2 | 22.5 | 18.6 | 8.9 | 2.8 |
| Total Assets | 908.0 | 851.4 | 859.3 | 948.2 | 992.8 | 985.5 | 953.8 | 926.9 | 920.7 |
| Insurance Reserves - Total | 22.2 | 13.4 | 10.2 | 38.3 | 48.4 | 62.7 | 41.3 | 14.3 | 6.2 |
| Unearned Premiums - Gross | 22.2 | 13.4 | 10.2 | 38.3 | 48.4 | 62.7 | 41.3 | 14.3 | 6.2 |
| Dividends Payable | 0.6 | 0.6 | 0.6 | 0.6 | 0.6 | 0.6 | 0.6 | 0.6 | 0.6 |
| Deferred Tax & Investment Tax Credits - Long-Term | — | — | 6.6 | — | — | — | — | — | — |
| Deferred Tax - Liability - Long-Term | — | — | 6.6 | — | — | — | — | — | — |
| Payables & Accrued Expenses | 157.9 | 168.5 | 173.7 | 177.1 | 100.2 | 88.7 | 86.9 | 101.8 | 122.4 |
| Accrued Expenses | 9.1 | 7.1 | 8.4 | 10.2 | 9.8 | 12.1 | 11.9 | 27.6 | 18.1 |
| Payable - Reinsurance & Brokers/Agents | 148.8 | 161.3 | 165.3 | 166.9 | 90.4 | 76.5 | 75.0 | 74.2 | 104.3 |
| Other Liabilities - Total | 0.2 | 0.2 | 0.2 | 2.5 | 3.5 | 3.9 | 3.0 | 2.1 | 11.9 |
| Other Liabilities - | 0.2 | 0.2 | 0.2 | 2.5 | 3.5 | 3.9 | 3.0 | 2.1 | 0.9 |
| Provisions | — | — | — | — | — | — | — | 0.0 | 10.9 |
| Post Employment Benefits - Pension & Other | — | — | — | — | — | — | — | 0.0 | 10.9 |
| Total Liabilities | 180.8 | 182.5 | 191.3 | 218.5 | 152.6 | 155.8 | 131.7 | 118.8 | 141.1 |
| Shareholders' Equity - Attributable to Parent Shareholders - Total | 727.2 | 668.9 | 668.0 | 729.7 | 840.2 | 829.7 | 822.1 | 808.1 | 779.6 |
| Common Equity Attributable to Parent Shareholders | 727.2 | 668.9 | 668.0 | 729.7 | 840.2 | 829.7 | 822.1 | 808.1 | 779.6 |
| Common Equity - Contributed | 513.8 | 513.8 | 513.8 | 513.8 | 513.8 | 513.8 | 513.8 | 513.8 | 513.8 |
| Common Stock - Issued & Paid | 500.0 | 500.0 | 500.0 | 500.0 | 500.0 | 500.0 | 500.0 | 500.0 | 500.0 |
| Equity - Non-Contributed - Reserves & Retained Earnings | 213.4 | 155.1 | 154.2 | 215.9 | 326.4 | 315.9 | 308.3 | 294.3 | 265.8 |
| Retained Earnings - Total | 51.7 | 9.4 | (167.0) | (137.3) | (27.4) | (69.6) | 16.4 | 12.0 | (18.6) |
| Comprehensive Income - Accumulated - Total | 161.7 | 145.7 | 321.1 | 353.2 | 353.8 | 385.4 | 291.9 | 282.3 | 270.0 |
| Investments - Unrealized Gain/Loss | 17.8 | 0.9 | 0.0 | 0.2 | 0.3 | 0.3 | 0.3 | 0.2 | 0.3 |
| Other Reserves/Equity - Total | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 14.5 |
| Common Equity - Total | 727.2 | 668.9 | 668.0 | 729.7 | 840.2 | 829.7 | 822.1 | 808.1 | 779.6 |
| Common Stock - Additional Paid in Capital including Option Reserve | 13.8 | 13.8 | 13.8 | 13.8 | 13.8 | 13.8 | 13.8 | 13.8 | 13.8 |
| Total Shareholders' Equity - including Minority Interest & Hybrid Debt | 727.2 | 668.9 | 668.0 | 729.7 | 840.2 | 829.7 | 822.1 | 808.1 | 779.6 |
| Total Liabilities & Equity | 908.0 | 851.4 | 859.3 | 948.2 | 992.8 | 985.5 | 953.8 | 926.9 | 920.7 |
| Revaluation Reserves | 143.9 | 144.8 | 321.1 | 352.9 | 353.5 | 385.1 | 291.6 | 282.1 | 269.6 |
| Common Shares - Issued - Total mn | 50.0 | 50.0 | 50.0 | 50.0 | 50.0 | 50.0 | 50.0 | 50.0 | 50.0 |
| Common Shares - Outstanding - Total mn | 50.0 | 50.0 | 50.0 | 50.0 | 50.0 | 50.0 | 50.0 | 50.0 | 50.0 |
| Common Shares - Treasury - Total mn | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Common Shares - Authorized - Issue Specific mn | 75.0 | 75.0 | 75.0 | 75.0 | 75.0 | 75.0 | 75.0 | 75.0 | 75.0 |
| Common Shares - Issued - Issue Specific mn | 50.0 | 50.0 | 50.0 | 50.0 | 50.0 | 50.0 | 50.0 | 50.0 | 50.0 |
| Common Shares - Outstanding - Issue Specific mn | 50.0 | 50.0 | 50.0 | 50.0 | 50.0 | 50.0 | 50.0 | 50.0 | 50.0 |
| Common Shares - Treasury - Issue Specific mn | 0.0 | 0.0 | 0.0 | 0.0 | 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× | 1.00× | 1.00× | 1.00× | 1.00× |
| Net Debt | (23.9) | (61.5) | (142.9) | (10.1) | (13.4) | (9.3) | (46.4) | (26.5) | (90.2) |
| Asset Accruals | (23.9) | (61.5) | (142.9) | (10.1) | (13.4) | (9.3) | (46.4) | (26.5) | (90.2) |
| Cash & Cash Equivalents - Total | 23.9 | 61.5 | 142.9 | 10.1 | 13.4 | 9.3 | 46.4 | 26.5 | 90.2 |
| Cash & Securities | 547.7 | 418.2 | 103.3 | 157.1 | 201.5 | 221.0 | 211.6 | 197.2 | 151.8 |
| Cash & Short Term Investments - Total | 23.9 | 61.5 | 142.9 | 10.1 | 13.4 | 9.3 | 46.4 | 26.5 | 90.2 |
| Earning Assets | 547.7 | 418.2 | 103.3 | 157.1 | 201.5 | 221.0 | 211.6 | 197.2 | 151.8 |
| Equity Securities & Real Estate | 435.3 | 359.6 | 46.3 | 101.7 | 146.4 | 165.6 | 156.9 | 143.5 | 98.2 |
| Invested Assets - Total | 547.7 | 418.2 | 103.3 | 157.1 | 201.5 | 221.0 | 211.6 | 197.2 | 151.8 |
| Investment Securities | 500.0 | 370.9 | 57.0 | 115.3 | 166.2 | 190.3 | 185.4 | 175.5 | 131.6 |
| Investments - Permanent | 47.7 | 47.3 | 316.4 | 404.8 | 406.5 | 315.4 | 281.1 | 289.2 | 260.2 |
| Net Book Capital | 703.3 | 607.4 | 525.1 | 719.7 | 826.8 | 820.4 | 775.7 | 781.6 | 689.5 |
| Net Operating Assets | 703.3 | 607.4 | 525.1 | 719.7 | 826.8 | 820.4 | 775.7 | 781.6 | 689.5 |
| Non-Reserve Liabilities | 158.6 | 169.2 | 181.1 | 180.1 | 104.2 | 93.1 | 90.4 | 104.5 | 134.8 |
| Provisions - Total | — | — | 6.6 | — | — | — | — | 0.0 | 10.9 |
| Shareholders Equity - Common | 727.2 | 668.9 | 668.0 | 729.7 | 840.2 | 829.7 | 822.1 | 808.1 | 779.6 |
| Tangible Total Equity | 727.2 | 668.9 | 668.0 | 729.7 | 840.2 | 829.7 | 822.1 | 808.1 | 779.6 |
| Tangible Book Value | 727.2 | 668.9 | 668.0 | 729.7 | 840.2 | 829.7 | 822.1 | 808.1 | 779.6 |
| Total Book Capital | 727.2 | 668.9 | 668.0 | 729.7 | 840.2 | 829.7 | 822.1 | 808.1 | 779.6 |
| Total Capital | 727.2 | 668.9 | 668.0 | 729.7 | 840.2 | 829.7 | 822.1 | 808.1 | 779.6 |
| Total Long Term Capital | 727.2 | 668.9 | 668.0 | 729.7 | 840.2 | 829.7 | 822.1 | 808.1 | 779.6 |
| Book Value excluding Other Equity | 727.2 | 668.9 | 668.0 | 729.7 | 840.2 | 829.7 | 822.1 | 808.1 | 765.1 |
| Cash & Short Term Investments - Net of Debt | 23.9 | 61.5 | 142.9 | 10.1 | 13.4 | 9.3 | 46.4 | 26.5 | 90.2 |
| Net Debt Including Preferred Equity & Minority Interest | (23.9) | (61.5) | (142.9) | (10.1) | (13.4) | (9.3) | (46.4) | (26.5) | (90.2) |
| Other Short-Term & Long-Term Assets - Total | 3.0 | 2.3 | 2.4 | 112.7 | 82.5 | 89.5 | 58.5 | 44.6 | 36.8 |
| Other Short-Term & Long-Term Liabilities - Total | 0.2 | 0.2 | 0.2 | 2.5 | 3.5 | 3.9 | 3.0 | 2.1 | 0.9 |
| Tangible Book Value excluding Other Equity | 727.2 | 668.9 | 668.0 | 729.7 | 840.2 | 829.7 | 822.1 | 808.1 | 765.1 |
| Investment in Equity, Real Estate & Mortgages | 435.3 | 359.6 | 46.3 | 101.7 | 146.4 | 165.6 | 156.9 | 143.5 | 98.2 |
| Book Value excluding Accumulated Comprehensive Income | 565.5 | 523.2 | 346.9 | 376.5 | 486.4 | 444.3 | 530.2 | 525.8 | 509.7 |
| Reinsurance Liabilities | 148.8 | 161.3 | 165.3 | 166.9 | 90.4 | 76.5 | 75.0 | 74.2 | 104.3 |
| Cash in Hand & with Banks - Total | 23.9 | 61.5 | 142.9 | 10.1 | 13.4 | 9.3 | 46.4 | 26.5 | 90.2 |
Every line the company reported, in the original order and wording, without regrouping or signs changed. Latest 9 periods; the table above goes back further.