Last close · 16 Oct 2026
Rs 18.50 0.00%
Annual · FY2017 – FY2025
The Universal Insurance Company Limited (UVIC) income statement
The Universal Insurance Company Limited reported total income of Rs 72.3 mn for FY2025 (Jan – Dec 2025). Tax of Rs 334,000 took 0.8% of pre-tax profit. Profit attributable to shareholders was Rs 40.2 mn, or Rs 0.80 per share.
| 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 |
|---|---|---|---|---|---|---|---|---|---|
| Net premium earned | 44.1 | 17.7 | 45.6 | 74.3 | 75.2 | 67.2 | 68.1 | 33.2 | 12.5 |
| Investment income (net) | 26.9 | (22.1) | 6.1 | 14.7 | 13.9 | 9.8 | 13.6 | (12.0) | (4.9) |
| Total income | 72.3 | (3.6) | 52.4 | 90.2 | 90.2 | 78.0 | 82.7 | 22.1 | 8.3 |
| Net claims & benefits | 16.5 | (4.5) | (24.6) | (64.8) | (40.7) | (35.8) | 19.6 | (2.4) | 9.0 |
| Acquisition & underwriting expenses | (0.8) | (2.1) | (5.6) | (8.9) | (9.7) | (10.8) | (12.0) | (3.7) | 1.7 |
| Profit before tax | 40.5 | (13.0) | (48.9) | (147.3) | 45.3 | (109.5) | 4.4 | 19.5 | 45.4 |
| Taxation | (0.3) | 8.1 | (106.0) | 36.2 | (4.8) | 21.6 | (2.1) | (3.5) | (4.0) |
| Profit after tax | 40.2 | (4.8) | (154.9) | (111.0) | 40.4 | (87.8) | 2.3 | 16.0 | 41.5 |
| Profit attributable to shareholders | 40.2 | (4.8) | (154.9) | (111.0) | 40.4 | (87.8) | 2.3 | 16.0 | 41.5 |
| Per share | |||||||||
| EPS – basic (Rs) Rs | 0.80 | (0.10) | (3.10) | (2.22) | 0.81 | (1.76) | 0.05 | 0.32 | 0.98 |
| Dividend per share (Rs) Rs | 0.00 | 0.00 | 0.00 | 0.00 | 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 | FY2020 Jan – Dec 2020 | FY2019 Jan – Dec 2019 | FY2018 Jan – Dec 2018 | FY2017 Jan – Dec 2017 |
|---|---|---|---|---|---|---|---|---|---|
| Net premium earned | +149.0% | -61.1% | -38.6% | -1.2% | +11.9% | -1.3% | +105.3% | +166.2% | — |
| Investment income (net) | — | -462.7% | -58.6% | +5.9% | +42.3% | -28.5% | — | — | — |
| Total income | — | -106.9% | -41.9% | +0.0% | +15.6% | -5.7% | +274.5% | +164.6% | — |
| Net claims & benefits | -471.3% | -81.9% | -61.9% | +59.3% | +13.7% | — | -927.4% | — | — |
| Acquisition & underwriting expenses | -59.8% | -63.5% | -37.0% | -8.3% | -9.6% | -10.2% | +226.7% | — | — |
| Profit before tax | — | — | — | -425.1% | — | -2,576.3% | -77.3% | -57.1% | — |
| Taxation | — | -107.7% | — | -847.4% | — | -1,137.1% | -40.5% | -11.7% | — |
| Profit after tax | — | — | — | -374.5% | — | -3,862.1% | -85.4% | -61.4% | — |
| Profit attributable to shareholders | — | — | — | -374.5% | — | -3,862.1% | -85.4% | -61.4% | — |
| Per share | |||||||||
| EPS – basic (Rs) | — | — | — | -374.5% | — | -3,862.1% | -85.4% | -67.5% | — |
| 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 | FY2020 Jan – Dec 2020 | FY2019 Jan – Dec 2019 | FY2018 Jan – Dec 2018 | FY2017 Jan – Dec 2017 |
|---|---|---|---|---|---|---|---|---|---|
| Net premium earned | 61.0% | — | 86.9% | 82.4% | 83.4% | 86.1% | 82.4% | 150.2% | 149.3% |
| Investment income (net) | 37.2% | — | 11.6% | 16.3% | 15.4% | 12.5% | 16.5% | (54.2%) | (58.9%) |
| Total income | 100.0% | — | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% |
| Net claims & benefits | 22.8% | — | (47.0%) | (71.8%) | (45.1%) | (45.9%) | 23.7% | (10.7%) | 108.0% |
| Acquisition & underwriting expenses | (1.1%) | — | (10.7%) | (9.9%) | (10.8%) | (13.8%) | (14.5%) | (16.6%) | 19.9% |
| Profit before tax | 56.0% | — | (93.2%) | (163.2%) | 50.2% | (140.3%) | 5.3% | 88.3% | 544.2% |
| Taxation | (0.5%) | — | (202.2%) | 40.2% | (5.4%) | 27.7% | (2.5%) | (15.9%) | (47.6%) |
| Profit after tax | 55.6% | — | (295.4%) | (123.1%) | 44.8% | (112.6%) | 2.8% | 72.4% | 496.6% |
| Profit attributable to shareholders | 55.6% | — | (295.4%) | (123.1%) | 44.8% | (112.6%) | 2.8% | 72.4% | 496.6% |
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 97
| 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 |
|---|---|---|---|---|---|---|---|---|---|
| Net Premiums Earned | 44.1 | 17.7 | 45.6 | 74.3 | 75.2 | 67.2 | 68.1 | 33.2 | 12.5 |
| Fees & Commissions Income | 1.3 | 0.7 | 0.8 | 1.2 | 1.1 | 1.1 | 1.0 | 0.9 | 0.8 |
| Unearned Premiums | (3.4) | 2.3 | (0.5) | 3.8 | — | — | — | 0.0 | (0.3) |
| Investment Income/(Expense) - Net - Insurance | 26.9 | (22.1) | 6.1 | 14.7 | 13.9 | 9.8 | 13.6 | (12.0) | (4.9) |
| Revenue from Business-Related Activities - Other - Total | 1.3 | 0.7 | 0.8 | 1.2 | 1.1 | 1.1 | 1.0 | 0.9 | 0.8 |
| Revenue from Business Activities - Total | 72.3 | (3.6) | 52.4 | 90.2 | 90.2 | 78.0 | 82.7 | 22.1 | 8.3 |
| Insurance Claims/Reserves - Total | (16.5) | 4.5 | 24.6 | 64.8 | 40.7 | 35.8 | (19.6) | 2.4 | (9.0) |
| Insurance Benefits Paid - Current | (16.5) | 4.5 | 24.6 | 64.8 | 40.7 | 35.8 | (19.6) | 2.4 | (9.0) |
| Selling, General & Administrative Expenses - Total | 76.5 | 76.0 | 90.8 | 157.9 | 85.3 | 83.1 | 68.4 | 66.1 | 62.5 |
| Depreciation in Selling, General & Administrative Expenses | 3.2 | 3.1 | 3.8 | 3.0 | 3.3 | 3.8 | 3.4 | 3.5 | 3.9 |
| Underwriting Expenses | 0.8 | 2.1 | 5.6 | 8.9 | 9.7 | 10.8 | 12.0 | 3.7 | (1.7) |
| Policy Acquisition Costs - Total | 0.8 | 2.1 | 5.6 | 8.9 | 9.7 | 10.8 | 12.0 | 3.7 | (1.7) |
| Other Operating Expense/(Income) - Net | 4.9 | 6.0 | 7.9 | 5.6 | 5.4 | 4.4 | 4.1 | 4.0 | 6.1 |
| Fee & Commission Expense - Insurance | 0.8 | 2.1 | 5.6 | 8.9 | 9.7 | 10.8 | 12.0 | 3.7 | (1.7) |
| Operating Expenses - Total | 65.8 | 88.4 | 129.0 | 237.1 | 141.1 | 134.0 | 65.0 | 76.1 | 57.9 |
| Labor & Related Expenses including Stock-Based Compensation in Selling, General & Administrative Expenses | 73.3 | 72.9 | 87.0 | 154.8 | 82.0 | 79.3 | 65.0 | 62.5 | 58.6 |
| Operating Profit before Non-Recurring Income/(Expense) | 6.6 | (92.0) | (76.6) | (146.9) | (50.9) | (56.0) | 17.7 | (54.0) | (49.6) |
| Other Operating Expense | 4.9 | 6.0 | 7.9 | 5.6 | 5.4 | 4.4 | 4.1 | 4.0 | 6.1 |
| Interest Expense - Net of Capitalized Interest | — | — | — | — | — | — | — | — | 0.0 |
| Sale of Tangible & Intangible Fixed Assets - Gain/Loss | 7.9 | 3.3 | 4.4 | 0.1 | — | — | — | — | — |
| Equity Earnings/(Loss) - before Taxes including Non-Recurring | 0.0 | 10.3 | (0.0) | (8.2) | 86.6 | (65.2) | (23.8) | 46.6 | 71.0 |
| Other Non-Operating Income/(Expense) - Total | 25.7 | 64.6 | 18.7 | 1.4 | 9.6 | 11.7 | 10.5 | 27.0 | 24.0 |
| Normalized Pre-tax Profit | 40.1 | (13.9) | (53.4) | (153.7) | 45.3 | (109.5) | 4.4 | 19.5 | 45.4 |
| Non-Recurring Income/Expense - Total | 0.4 | 0.9 | 4.6 | 6.5 | — | — | — | — | — |
| Fair Value Adjustments - Investment Property | 0.4 | 0.9 | 4.6 | 6.5 | — | — | — | — | — |
| Provision for Income Tax Expense- Unclassified | 0.3 | — | — | — | — | (21.6) | 2.1 | 3.5 | 4.0 |
| Income before Taxes | 40.5 | (13.0) | (48.9) | (147.3) | 45.3 | (109.5) | 4.4 | 19.5 | 45.4 |
| Income Taxes | 0.3 | (8.1) | 106.0 | (36.2) | 4.8 | (21.6) | 2.1 | 3.5 | 4.0 |
| Income Taxes for the Year - Current | — | 0.0 | 3.0 | 2.5 | 2.6 | — | — | — | — |
| Income Taxes - Deferred | — | (8.1) | 103.0 | (38.7) | 1.4 | — | — | — | — |
| Income Taxes - Other (by Type) | — | 0.0 | 0.0 | 0.0 | 0.9 | — | — | — | — |
| Net Income after Tax | 40.2 | (4.8) | (154.9) | (111.0) | 40.4 | (87.8) | 2.3 | 16.0 | 41.5 |
| Income before Discontinued Operations & Extraordinary Items | 40.2 | (4.8) | (154.9) | (111.0) | 40.4 | (87.8) | 2.3 | 16.0 | 41.5 |
| Net Income before Minority Interest | 40.2 | (4.8) | (154.9) | (111.0) | 40.4 | (87.8) | 2.3 | 16.0 | 41.5 |
| Net Income after Minority Interest | 40.2 | (4.8) | (154.9) | (111.0) | 40.4 | (87.8) | 2.3 | 16.0 | 41.5 |
| Income Available to Common Shares | 40.2 | (4.8) | (154.9) | (111.0) | 40.4 | (87.8) | 2.3 | 16.0 | 41.5 |
| 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 |
| Net Income - Basic - including Extraordinary Items Applicable to Common - Total | 40.2 | (4.8) | (154.9) | (111.0) | 40.4 | (87.8) | 2.3 | 16.0 | 41.5 |
| Income available to Common excluding Extraordinary Items | 40.2 | (4.8) | (154.9) | (111.0) | 40.4 | (87.8) | 2.3 | 16.0 | 41.5 |
| Shares used to calculate Basic EPS - Total mn | 50.0 | 50.0 | 50.0 | 50.0 | 50.0 | 50.0 | 50.0 | 50.0 | 42.2 |
| EPS - Basic - including Extraordinary Items Applicable to Common - Total Rs | 0.80 | (0.10) | (3.10) | (2.22) | 0.81 | (1.76) | 0.05 | 0.32 | 0.98 |
| EPS - Basic - excluding Extraordinary Items Applicable to Common - Total Rs | 0.80 | (0.10) | (3.10) | (2.22) | 0.81 | (1.76) | 0.05 | 0.32 | 0.98 |
| EPS - Basic - excluding Extraordinary Items - Normalized - Total Rs | 0.80 | (0.12) | (3.19) | (2.35) | 0.81 | (1.76) | 0.05 | 0.32 | 0.98 |
| Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific | 40.2 | (4.8) | (154.9) | (111.0) | 40.4 | (87.8) | 2.3 | 16.0 | 41.5 |
| Earnings Allocation Factor - Basic - Issue Specific | 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 | 50.0 | 50.0 | 50.0 | 50.0 | 50.0 | 50.0 | 50.0 | 50.0 | 42.2 |
| EPS - Basic - including Extraordinary Items Applicable to Common - Issue Specific Rs | 0.80 | (0.10) | (3.10) | (2.22) | 0.81 | (1.76) | 0.05 | 0.32 | 0.98 |
| EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific Rs | 0.80 | (0.10) | (3.10) | (2.22) | 0.81 | (1.76) | 0.05 | 0.32 | 0.98 |
| EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific Rs | 0.80 | (0.12) | (3.19) | (2.35) | 0.81 | (1.76) | 0.05 | 0.32 | 0.98 |
| 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 |
| Net Income - Diluted - including Extraordinary Items Applicable to Common - Total | 40.2 | (4.8) | (154.9) | (111.0) | 40.4 | (87.8) | 2.3 | 16.0 | 41.5 |
| Diluted Income available to Common excluding Extraordinary Items | 40.2 | (4.8) | (154.9) | (111.0) | 40.4 | (87.8) | 2.3 | 16.0 | 41.5 |
| Shares used to calculate Diluted EPS - Total mn | 50.0 | 50.0 | 50.0 | 50.0 | 50.0 | 50.0 | 50.0 | 50.0 | 42.2 |
| EPS - Diluted - including Extraordinary Items Applicable to Common - Total Rs | 0.80 | (0.10) | (3.10) | (2.22) | 0.81 | (1.76) | 0.05 | 0.32 | 0.98 |
| EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total Rs | 0.80 | (0.10) | (3.10) | (2.22) | 0.81 | (1.76) | 0.05 | 0.32 | 0.98 |
| EPS - Diluted - excluding Extraordinary Items - Normalized - Total Rs | 0.80 | (0.12) | (3.19) | (2.35) | 0.81 | (1.76) | 0.05 | 0.32 | 0.98 |
| Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue Specific | 40.2 | (4.8) | (154.9) | (111.0) | 40.4 | (87.8) | 2.3 | 16.0 | 41.5 |
| Earnings Allocation Factor - Diluted - Issue Specific | 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 | 50.0 | 50.0 | 50.0 | 50.0 | 50.0 | 50.0 | 50.0 | 50.0 | 42.2 |
| EPS - Diluted - including Extraordinary Items Applicable to Common - Issue Specific Rs | 0.80 | (0.10) | (3.10) | (2.22) | 0.81 | (1.76) | 0.05 | 0.32 | 0.98 |
| EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific Rs | 0.80 | (0.10) | (3.10) | (2.22) | 0.81 | (1.76) | 0.05 | 0.32 | 0.98 |
| EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific Rs | 0.80 | (0.12) | (3.19) | (2.35) | 0.81 | (1.76) | 0.05 | 0.32 | 0.98 |
| 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 |
| 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 |
| 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 |
| Earnings before Interest & Taxes (EBIT) | 6.6 | (92.0) | (76.6) | (146.9) | (50.9) | (56.0) | 17.7 | (54.0) | (49.6) |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) | 9.8 | (88.9) | (72.8) | (143.9) | (47.6) | (52.3) | 21.1 | (50.5) | (45.7) |
| Depreciation & Amortization - Supplemental | 3.2 | 3.1 | 3.8 | 3.0 | 3.3 | 3.8 | 3.4 | 3.5 | 3.9 |
| Depreciation Expense - Total - Supplemental | 3.2 | 3.1 | 3.8 | 3.0 | 3.3 | 3.8 | 3.4 | 3.5 | 3.9 |
| Depreciation, Depletion & Amortization - Total | 3.2 | 3.1 | 3.8 | 3.0 | 3.3 | 3.8 | 3.4 | 3.5 | 3.9 |
| Depreciation - Total | 3.2 | 3.1 | 3.8 | 3.0 | 3.3 | 3.8 | 3.4 | 3.5 | 3.9 |
| Normalized after Tax Profit | 39.8 | (5.8) | (159.5) | (117.5) | 40.4 | (87.8) | 2.3 | 16.0 | 41.5 |
| Normalized Net Income from Continuing Operations | 39.8 | (5.8) | (159.5) | (117.5) | 40.4 | (87.8) | 2.3 | 16.0 | 41.5 |
| Normalized Net Income - Bottom Line | 39.8 | (5.8) | (159.5) | (117.5) | 40.4 | (87.8) | 2.3 | 16.0 | 41.5 |
| Earnings before Interest & Taxes (EBIT) - Normalized | 40.1 | (13.9) | (53.4) | (153.7) | 45.3 | (109.5) | 4.4 | 19.5 | 45.5 |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized | 43.4 | (10.8) | (49.6) | (150.7) | 48.6 | (105.7) | 7.8 | 23.0 | 49.4 |
| Interest Expense | — | — | — | — | — | — | — | — | 0.0 |
| Investment Income - Insurance | 26.9 | (22.1) | 6.1 | 14.7 | 13.9 | 9.8 | 13.6 | (12.0) | (4.9) |
| Losses, Benefits & Adjustments - Insurance | (16.5) | 4.5 | 24.6 | 64.8 | 40.7 | 35.8 | (19.6) | 2.4 | (9.0) |
| Operating Expenses | 65.8 | 88.4 | 129.0 | 237.1 | 141.1 | 134.0 | 65.0 | 76.1 | 57.9 |
| Premiums Ceded Out & Unearned - Total | (3.4) | 2.3 | (0.5) | 3.8 | — | — | — | 0.0 | (0.3) |
| Selling, General & Administrative Expenses excluding Research & Development Expenses | 76.5 | 76.0 | 90.8 | 157.9 | 85.3 | 83.1 | 68.4 | 66.1 | 62.5 |
| Total Claim & Loss Expense | (16.5) | 4.5 | 24.6 | 64.8 | 40.7 | 35.8 | (19.6) | 2.4 | (9.0) |
| Underwriting & Commissions | 0.8 | 2.1 | 5.6 | 8.9 | 9.7 | 10.8 | 12.0 | 3.7 | (1.7) |
| Underwriting Expenses - Insurance | 81.5 | 81.9 | 98.8 | 163.5 | 90.7 | 87.5 | 72.6 | 70.1 | 68.6 |
| Income before Taxes & Provision for Loan Losses | 40.5 | (13.0) | (48.9) | (147.3) | 45.3 | (109.5) | 4.4 | 19.5 | 45.4 |
| DPS - Common - Gross - Issue - By Payable Date Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| 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 |
| Tax Adjusted Operating Income | 40.2 | — | — | — | 40.4 | — | 2.3 | 16.0 | 41.5 |
| Underwriting Expenses minus Losses, Benefits & Adjustments - Insurance | 98.0 | 77.5 | 74.1 | 98.7 | 50.1 | 51.7 | 92.1 | 67.7 | 77.6 |
| Operating Expenses excluding Non-Cash Charges - Total | 62.5 | 85.3 | 125.2 | 234.1 | 137.8 | 130.3 | 61.6 | 72.6 | 54.0 |
| Premiums Earned - Total | 45.4 | 18.5 | 46.4 | 75.5 | 76.3 | 68.3 | 69.1 | 34.1 | 13.3 |
| Losses, Benefits & Adjustments - Total | (15.7) | 6.5 | 30.3 | 73.7 | 50.4 | 46.5 | (7.6) | 6.0 | (10.7) |
| Income Available to Common Shares before Depreciation & Amortization | 43.4 | (1.8) | (151.1) | (108.0) | 43.8 | (84.1) | 5.7 | 19.5 | 45.3 |
| Fixed Charges | — | — | — | — | — | — | — | — | 0.0 |
| Estimated Tax Rate | 0.29× | 0.29× | 0.29× | 0.29× | 0.29× | 0.35× | 0.30× | 0.30× | 0.31× |
| 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 |
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.