Last close · 16 Oct 2026
Rs 18.01 -2.65%
Annual · FY2017 – FY2025
The Universal Insurance Company Limited (UVIC) financial ratios
The Universal Insurance Company Limited earned a net margin of 55.6% in FY2025 against a five-year average of -79.5% (Insurance median 11.2%). Return on equity was 5.8%, compared with a sector median of 14.1%.
FY2025 vs the Insurance median
- Net margin
- 55.6%
- Sector median 11.2%
- Return on equity (ROE)
- 5.8%
- Sector median 14.1%
- Return on assets (ROA)
- 4.6%
- Sector median 3.5%
- Dividend payout ratio
- 0.0%
- Sector median 0.0%
Median of the 29 companies in the sector with the figure for their latest fiscal year.
| Rs mn | FY2025 Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 Jan – Dec 2021 | ||||
|---|---|---|---|---|---|---|---|---|---|
| Profitability | |||||||||
| Pre-tax margin | 56.0% | — | (93.2%) | (163.2%) | 50.2% | ||||
| Net margin | 55.6% | — | (295.4%) | (123.1%) | 44.8% | ||||
| Effective tax rate | 0.8% | — | — | — | 10.7% | ||||
| Returns | |||||||||
| Return on equity (ROE) | 5.8% | (0.7%) | (22.2%) | (14.1%) | 4.8% | ||||
| Return on assets (ROA) | 4.6% | (0.6%) | (17.1%) | (11.4%) | 4.1% | ||||
| Leverage | |||||||||
| Assets to equity | 1.26× | 1.28× | 1.29× | 1.24× | 1.18× | ||||
| Dividends | |||||||||
| Dividend payout ratio | 0.0% | — | — | — | 0.0% | ||||
| Earnings retention rate | 1.00× | — | — | — | 1.00× | ||||
Ratios as reported for each fiscal year; returns are on average equity / assets. Debt ratios are percentages; turnover in times; working-capital measures in days.
UVIC: frequently asked questions
What is UVIC's EPS?
The Universal Insurance Company Limited reported basic earnings per share of Rs 0.80 for FY2025 (Jan – Dec 2025).
What is UVIC's P/E ratio?
At the closing price of Rs 18.01 on 16 Oct 2026, UVIC trades at a P/E of 22.4× based on EPS of Rs 0.80 (FY2025).
Does UVIC pay dividends?
The Universal Insurance Company Limited did not declare a cash dividend for FY2025.
What was UVIC's total income and profit in FY2025?
The Universal Insurance Company Limited reported total income of Rs 72.3 mn and profit attributable to shareholders of Rs 40.2 mn for FY2025 (Jan – Dec 2025).
What is UVIC's book value per share?
The Universal Insurance Company Limited's book value per share was Rs 14.54 at the end of FY2025. The shares trade at 1.24× book value.
Information only, not investment advice.