ALAC Askari Life Assurance Company Limited
Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026
Last close · 16 Oct 2026
Rs 22.99 -1.20%
Annual · FY2008 – FY2025
Askari Life Assurance Company Limited (ALAC) income statement
Askari Life Assurance Company Limited reported total income of Rs 3.2 bn for FY2025 (Jan – Dec 2025), up 54.9% on FY2024. Tax of -Rs 2.0 mn took -1.6% of pre-tax profit. Profit attributable to shareholders was Rs 126.0 mn, up 732.9% on FY2024, or Rs 0.84 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 | FY2008 * Jan – Dec 2008 |
|---|---|---|---|---|---|---|---|---|
| Net premium earned | 2,888.4 | 1,693.1 | 1,254.2 | 1,077.8 | 600.4 | 281.4 | 219.5 | — |
| Investment income (net) | 232.2 | 273.4 | 268.8 | 118.9 | 59.7 | 56.7 | 68.1 | — |
| Total income | 3,189.8 | 2,058.6 | 1,530.1 | 1,197.3 | 660.1 | 338.0 | 287.8 | — |
| Net claims & benefits | (1,455.4) | (805.3) | (699.4) | (491.4) | (318.5) | (187.1) | (155.9) | — |
| Acquisition & underwriting expenses | (1,161.9) | (835.5) | (669.3) | (726.4) | (390.2) | (195.8) | (163.6) | — |
| Profit before tax | 123.9 | 18.4 | (158.6) | (274.6) | (242.1) | (238.4) | (262.4) | — |
| Taxation | 2.0 | (3.3) | (6.6) | (1.4) | (0.4) | (0.4) | (0.5) | — |
| Profit after tax | 126.0 | 15.1 | (165.2) | (276.0) | (242.4) | (238.8) | (262.9) | — |
| Profit attributable to shareholders | 126.0 | 15.1 | (165.2) | (276.0) | (242.4) | (238.8) | (262.9) | — |
| Per share | ||||||||
| EPS – basic (Rs) Rs | 0.84 | 0.10 | (1.10) | (1.84) | (1.61) | (2.09) | (2.39) | — |
| Dividend per share (Rs) Rs | 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 | FY2008 * Jan – Dec 2008 |
|---|---|---|---|---|---|---|---|---|
| Net premium earned | +70.6% | +35.0% | +16.4% | +79.5% | +113.4% | +28.2% | — | — |
| Investment income (net) | -15.1% | +1.7% | +126.0% | +99.4% | +5.3% | -16.8% | — | — |
| Total income | +54.9% | +34.5% | +27.8% | +81.4% | +95.3% | +17.5% | — | — |
| Net claims & benefits | +80.7% | +15.1% | +42.3% | +54.3% | +70.2% | +20.0% | — | — |
| Acquisition & underwriting expenses | +39.1% | +24.8% | -7.9% | +86.2% | +99.3% | +19.7% | — | — |
| Profit before tax | +573.5% | — | — | — | — | — | — | — |
| Taxation | -161.8% | -50.3% | +388.4% | +247.3% | -13.0% | -12.4% | — | — |
| Profit after tax | +732.9% | — | — | — | — | — | — | — |
| Profit attributable to shareholders | +732.9% | — | — | — | — | — | — | — |
| Per share | ||||||||
| EPS – basic (Rs) | +733.0% | — | — | — | — | — | — | — |
| 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 | FY2008 * Jan – Dec 2008 |
|---|---|---|---|---|---|---|---|---|
| Net premium earned | 90.6% | 82.2% | 82.0% | 90.0% | 91.0% | 83.2% | 76.3% | — |
| Investment income (net) | 7.3% | 13.3% | 17.6% | 9.9% | 9.0% | 16.8% | 23.7% | — |
| Total income | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | — |
| Net claims & benefits | (45.6%) | (39.1%) | (45.7%) | (41.0%) | (48.2%) | (55.3%) | (54.2%) | — |
| Acquisition & underwriting expenses | (36.4%) | (40.6%) | (43.7%) | (60.7%) | (59.1%) | (57.9%) | (56.8%) | — |
| Profit before tax | 3.9% | 0.9% | (10.4%) | (22.9%) | (36.7%) | (70.5%) | (91.2%) | — |
| Taxation | 0.1% | (0.2%) | (0.4%) | (0.1%) | (0.1%) | (0.1%) | (0.2%) | — |
| Profit after tax | 3.9% | 0.7% | (10.8%) | (23.1%) | (36.7%) | (70.6%) | (91.3%) | — |
| Profit attributable to shareholders | 3.9% | 0.7% | (10.8%) | (23.1%) | (36.7%) | (70.6%) | (91.3%) | — |
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. * Figures in this period do not fully reconcile in the source data (hover the * for details). Updated 16 Oct 2026.
All reported line items 113
| 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 | FY2008 Jan – Dec 2008 |
|---|---|---|---|---|---|---|---|---|
| Net Premiums Earned | 2,888.4 | 1,693.1 | 1,254.2 | 1,077.8 | 600.4 | 281.4 | 219.5 | — |
| Premiums Written - Gross | 6,776.5 | 2,017.6 | 1,613.5 | 1,301.6 | 834.9 | 449.3 | 302.0 | — |
| Premiums Ceded Out & Unearned - Reinsurance | 3,888.1 | 324.5 | 359.4 | 223.8 | 234.5 | 167.9 | 82.4 | — |
| Premiums Ceded Out to Reinsurance - Written | 3,888.1 | 324.5 | 359.4 | 223.8 | 234.5 | 167.9 | 82.4 | — |
| Investment Income/(Expense) - Net - Insurance | 232.2 | 273.4 | 268.8 | 118.9 | 59.7 | 56.7 | 68.1 | — |
| Investments & Loans - Business - Gain/(Loss) | 69.2 | 92.1 | 7.1 | 0.6 | 0.0 | 0.0 | 0.1 | — |
| Investment Income - Gross - Insurance - Total | 232.2 | 273.4 | 268.8 | 118.9 | 59.7 | 56.7 | 68.1 | — |
| Investment Securities - Business - Gain/(Loss) | 69.2 | 92.1 | 7.1 | 0.6 | 0.0 | 0.0 | 0.1 | — |
| Revenue from Business Activities - Total | 3,189.8 | 2,058.6 | 1,530.1 | 1,197.3 | 660.1 | 338.0 | 287.8 | — |
| Insurance Claims/Reserves - Total | 1,455.4 | 805.3 | 699.4 | 491.4 | 318.5 | 187.1 | 155.9 | — |
| Insurance Benefits Paid - Current | 918.3 | 551.4 | 621.5 | 479.7 | 452.7 | 328.2 | 176.9 | — |
| Selling, General & Administrative Expenses - Total | 455.1 | 388.0 | 320.8 | 243.4 | 183.3 | 176.5 | 228.8 | — |
| Selling, General & Administrative Expenses - Unclassified | 431.9 | 365.6 | 296.9 | 222.3 | 165.8 | 157.4 | — | — |
| Insurance Benefits Ceded | (537.1) | (253.9) | (77.9) | (11.6) | 134.2 | 141.1 | 21.0 | — |
| Depreciation in Selling, General & Administrative Expenses | 23.2 | 22.4 | 23.9 | 20.8 | 16.5 | 18.1 | — | — |
| Current Insurance Claims & Benefits Ceded | (1,019.1) | (459.5) | (418.0) | (343.3) | (163.5) | (60.4) | (73.7) | — |
| Amortization of Intangibles in Selling, General & Administrative Expenses | — | 0.0 | 0.0 | 0.3 | 1.0 | 1.0 | — | — |
| Long-Term Insurance Reserves Ceded | 482.0 | 205.6 | 340.1 | 331.6 | 297.8 | 201.5 | 94.7 | — |
| Underwriting Expenses | 1,161.9 | 835.5 | 669.3 | 726.4 | 390.2 | 195.8 | 163.6 | — |
| Policy Acquisition Costs - Total | 1,161.9 | 835.5 | 669.3 | 726.4 | 390.2 | 195.8 | 163.6 | — |
| Other Operating Expense/(Income) - Net | 34.4 | 28.8 | 17.3 | 19.9 | 12.7 | 25.2 | 10.1 | — |
| Policy Acquisition Costs - Other | 1,161.9 | 835.5 | 669.3 | 726.4 | 390.2 | 195.8 | 163.6 | — |
| Operating Expenses - Total | 3,106.8 | 2,057.5 | 1,706.9 | 1,481.1 | 904.6 | 584.5 | 558.3 | — |
| Operating Profit before Non-Recurring Income/(Expense) | 83.0 | 1.1 | (176.8) | (283.9) | (244.5) | (246.5) | (270.5) | — |
| Other Operating Expense | 34.4 | 28.8 | 17.3 | 19.9 | 12.7 | 25.2 | 10.1 | — |
| Interest Expense - Net of Capitalized Interest | 4.3 | 6.5 | 2.8 | 1.7 | 2.2 | 4.0 | — | — |
| Sale of Tangible & Intangible Fixed Assets - Gain/Loss | 0.8 | 0.1 | 0.3 | 0.0 | 0.3 | 2.0 | — | — |
| Other Non-Operating Income/(Expense) - Total | 12.0 | 22.1 | 19.8 | 11.7 | 5.2 | 7.9 | 8.1 | — |
| Normalized Pre-tax Profit | 91.4 | 16.8 | (159.5) | (273.8) | (241.2) | (240.5) | (262.4) | — |
| Non-Recurring Income/Expense - Total | 32.5 | 1.6 | 0.8 | (0.8) | (0.9) | 2.1 | 0.0 | — |
| Fair Value Adjustments - Financial Investments | 32.5 | 1.6 | 0.8 | (0.8) | (0.9) | 2.1 | 0.0 | — |
| Provision for Income Tax Expense- Unclassified | (2.0) | 3.3 | 6.6 | 1.4 | 0.4 | 0.4 | 0.5 | — |
| Income before Taxes | 123.9 | 18.4 | (158.6) | (274.6) | (242.1) | (238.4) | (262.4) | — |
| Income Taxes | (2.0) | 3.3 | 6.6 | 1.4 | 0.4 | 0.4 | 0.5 | — |
| Net Income after Tax | 126.0 | 15.1 | (165.2) | (276.0) | (242.4) | (238.8) | (262.9) | — |
| Income before Discontinued Operations & Extraordinary Items | 126.0 | 15.1 | (165.2) | (276.0) | (242.4) | (238.8) | (262.9) | — |
| Net Income before Minority Interest | 126.0 | 15.1 | (165.2) | (276.0) | (242.4) | (238.8) | (262.9) | — |
| Net Income after Minority Interest | 126.0 | 15.1 | (165.2) | (276.0) | (242.4) | (238.8) | (262.9) | — |
| Income Available to Common Shares | 126.0 | 15.1 | (165.2) | (276.0) | (242.4) | (238.8) | (262.9) | — |
| Other Comprehensive Income - Starting Line | — | — | — | — | — | — | (262.9) | — |
| Other Comprehensive Income - Unrealized Investment Gain/(Loss) | — | — | — | — | — | — | 0.5 | — |
| Other Comprehensive Income - Net of Tax - Total | — | — | — | — | — | — | 0.5 | — |
| Comprehensive Income before Minority Interest - Total | — | — | — | — | — | — | (262.3) | — |
| Comprehensive Income - Attributable to Parent Company Equity Holders - Total | — | — | — | — | — | — | (262.3) | — |
| DPS - Common - Gross - Issue - By Period End Date Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | — |
| Net Income - Basic - including Extraordinary Items Applicable to Common - Total | 126.0 | 15.1 | (165.2) | (276.0) | (242.4) | (238.8) | (262.9) | — |
| Income available to Common excluding Extraordinary Items | 126.0 | 15.1 | (165.2) | (276.0) | (242.4) | (238.8) | (262.9) | — |
| Shares used to calculate Basic EPS - Total mn | 150.2 | 150.2 | 150.2 | 150.0 | 150.2 | 114.3 | 110.2 | 48.2 |
| EPS - Basic - including Extraordinary Items Applicable to Common - Total Rs | 0.84 | 0.10 | (1.10) | (1.84) | (1.61) | (2.09) | (2.39) | — |
| EPS - Basic - excluding Extraordinary Items Applicable to Common - Total Rs | 0.84 | 0.10 | (1.10) | (1.84) | (1.61) | (2.09) | (2.39) | — |
| EPS - Basic - excluding Extraordinary Items - Normalized - Total Rs | 0.62 | 0.09 | (1.11) | (1.83) | (1.61) | (2.11) | (2.39) | — |
| Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific | 126.0 | 15.1 | (165.2) | (276.0) | (242.4) | (238.8) | (262.9) | — |
| Earnings Allocation Factor - Basic - Issue Specific | 1.00× | 1.00× | 1.00× | 1.00× | 1.00× | 1.00× | 1.00× | — |
| Shares used to calculate Basic EPS - Issue Specific mn | 150.2 | 150.2 | 150.2 | 150.0 | 150.2 | 114.3 | 110.2 | — |
| EPS - Basic - including Extraordinary Items Applicable to Common - Issue Specific Rs | 0.84 | 0.10 | (1.10) | (1.84) | (1.61) | (2.09) | (2.39) | — |
| EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific Rs | 0.84 | 0.10 | (1.10) | (1.84) | (1.61) | (2.09) | (2.39) | — |
| EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific Rs | 0.62 | 0.09 | (1.11) | (1.83) | (1.61) | (2.11) | (2.39) | — |
| EPS - Basic from Discontinued Operations & Extraordinary Items Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | — |
| Comprehensive Earnings Per Share - Basic - Issue Specific Rs | — | — | — | — | — | — | (2.38) | — |
| Net Income - Diluted - including Extraordinary Items Applicable to Common - Total | 126.0 | 15.1 | (165.2) | (276.0) | (242.4) | (238.8) | (262.9) | — |
| Diluted Income available to Common excluding Extraordinary Items | 126.0 | 15.1 | (165.2) | (276.0) | (242.4) | (238.8) | (262.9) | — |
| Shares used to calculate Diluted EPS - Total mn | 150.2 | 150.2 | 150.2 | 150.0 | 150.2 | 114.3 | 110.2 | 48.2 |
| EPS - Diluted - including Extraordinary Items Applicable to Common - Total Rs | 0.84 | 0.10 | (1.10) | (1.84) | (1.61) | (2.09) | (2.39) | — |
| EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total Rs | 0.84 | 0.10 | (1.10) | (1.84) | (1.61) | (2.09) | (2.39) | — |
| EPS - Diluted - excluding Extraordinary Items - Normalized - Total Rs | 0.62 | 0.09 | (1.11) | (1.83) | (1.61) | (2.11) | (2.39) | — |
| Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue Specific | 126.0 | 15.1 | (165.2) | (276.0) | (242.4) | (238.8) | (262.9) | — |
| Earnings Allocation Factor - Diluted - Issue Specific | 1.00× | 1.00× | 1.00× | 1.00× | 1.00× | 1.00× | 1.00× | — |
| Shares used to calculate Diluted EPS - Issue Specific mn | 150.2 | 150.2 | 150.2 | 150.0 | 150.2 | 114.3 | 110.2 | — |
| EPS - Diluted - including Extraordinary Items Applicable to Common - Issue Specific Rs | 0.84 | 0.10 | (1.10) | (1.84) | (1.61) | (2.09) | (2.39) | — |
| EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific Rs | 0.84 | 0.10 | (1.10) | (1.84) | (1.61) | (2.09) | (2.39) | — |
| EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific Rs | 0.62 | 0.09 | (1.11) | (1.83) | (1.61) | (2.11) | (2.39) | — |
| EPS - Diluted from Discontinued Operations & Extraordinary Items Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | — |
| Comprehensive Earnings Per Share - Diluted - Issue Specific Rs | — | — | — | — | — | — | (2.38) | — |
| DPS - Common - Gross - Issue - By Announcement Date Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.73 |
| DPS - Common - Net - Issue - By Announcement Date Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.66 |
| Earnings before Interest & Taxes (EBIT) | 83.0 | 1.1 | (176.8) | (283.9) | (244.5) | (246.5) | (270.5) | — |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) | 106.2 | 23.5 | (152.8) | (262.7) | (218.4) | (216.2) | (244.9) | — |
| Depreciation & Amortization - Supplemental | 23.2 | 22.4 | 23.9 | 21.2 | 17.5 | 19.1 | — | — |
| Depreciation Expense - Total - Supplemental | 23.2 | 22.4 | 23.9 | 20.8 | 16.5 | 18.1 | — | — |
| Depreciation - Financial Lease Right-of-Use Assets - Supplemental | 14.2 | 14.1 | 12.5 | 10.3 | 8.6 | 9.7 | — | — |
| Amortization - Total - Supplemental | — | 0.0 | 0.0 | 0.3 | 1.0 | 1.0 | — | — |
| Intangible Amortization - Other - Supplemental | — | 0.0 | 0.0 | 0.3 | 1.0 | 1.0 | — | — |
| Depreciation, Depletion & Amortization - Total | 23.2 | 22.4 | 23.9 | 21.2 | 26.1 | 30.3 | 25.7 | — |
| Depreciation - Total | 23.2 | 22.4 | 23.9 | 20.8 | 25.1 | 29.3 | 25.0 | — |
| Amortization of Intangible Assets excluding Goodwill - Total | — | 0.0 | 0.0 | 0.3 | 1.0 | 1.0 | 0.7 | — |
| Normalized after Tax Profit | 93.5 | 13.5 | (166.1) | (275.1) | (241.6) | (240.9) | (262.9) | — |
| Normalized Net Income from Continuing Operations | 93.5 | 13.5 | (166.1) | (275.1) | (241.6) | (240.9) | (262.9) | — |
| Normalized Net Income - Bottom Line | 93.5 | 13.5 | (166.1) | (275.1) | (241.6) | (240.9) | (262.9) | — |
| Earnings before Interest & Taxes (EBIT) - Normalized | 95.8 | 23.3 | (156.7) | (272.1) | (239.0) | (236.5) | (262.4) | — |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized | 119.0 | 45.7 | (132.8) | (251.0) | (212.9) | (206.2) | (236.7) | — |
| Interest Expense on Financial Lease Liabilities - Supplemental | 4.3 | 6.5 | 2.8 | 1.7 | 2.2 | 4.0 | — | — |
| Interest Expense | 4.3 | 6.5 | 2.8 | 1.7 | 2.2 | 4.0 | — | — |
| Investment Income - Insurance | 232.2 | 273.4 | 268.8 | 118.9 | 59.7 | 56.7 | 68.1 | — |
| Losses, Benefits & Adjustments - Insurance | 918.3 | 551.4 | 621.5 | 479.7 | 452.7 | 328.2 | 176.9 | — |
| Operating Expenses | 3,106.8 | 2,057.5 | 1,706.9 | 1,481.1 | 904.6 | 584.5 | 558.3 | — |
| Premiums Ceded Out & Unearned - Total | 3,888.1 | 324.5 | 359.4 | 223.8 | 234.5 | 167.9 | 82.4 | — |
| Selling, General & Administrative Expenses excluding Research & Development Expenses | 455.1 | 388.0 | 320.8 | 243.4 | 183.3 | 176.5 | 228.8 | — |
| Total Claim & Loss Expense | 1,455.4 | 805.3 | 699.4 | 491.4 | 318.5 | 187.1 | 155.9 | — |
| Underwriting & Commissions | 1,161.9 | 835.5 | 669.3 | 726.4 | 390.2 | 195.8 | 163.6 | — |
| Underwriting Expenses - Insurance | 489.5 | 416.8 | 338.1 | 263.3 | 196.0 | 201.7 | 238.9 | — |
| Income before Taxes & Provision for Loan Losses | 123.9 | 18.4 | (158.6) | (274.6) | (242.1) | (238.4) | (262.4) | — |
| DPS - Common - Gross - Issue - By Payable Date Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.73 |
| DPS - Common - Gross - Issue - By Ex Date Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.73 |
| Tax Adjusted Operating Income | 130.4 | 20.4 | — | — | — | — | — | — |
| Underwriting Expenses minus Losses, Benefits & Adjustments - Insurance | (428.8) | (134.6) | (283.4) | (216.4) | (256.7) | (126.5) | 62.0 | — |
| Operating Expenses excluding Non-Cash Charges - Total | 3,083.6 | 2,035.1 | 1,682.9 | 1,460.0 | 878.5 | 554.2 | 532.7 | — |
| Premiums Earned - Total | 2,888.4 | 1,693.1 | 1,254.2 | 1,077.8 | 600.4 | 281.4 | 219.5 | — |
| Losses, Benefits & Adjustments - Total | 1,543.1 | 1,133.0 | 1,213.0 | 1,194.5 | 977.1 | 665.0 | 361.5 | — |
| Income Available to Common Shares before Depreciation & Amortization | 149.2 | 37.5 | (141.3) | (254.8) | (216.3) | (208.5) | (237.2) | — |
| Fixed Charges | 4.3 | 6.5 | 2.8 | 1.7 | 2.2 | 4.0 | — | — |
| Net Premiums Written | 2,888.4 | 1,693.1 | 1,254.2 | 1,077.8 | 600.4 | 281.4 | 219.5 | — |
| Estimated Tax Rate | 0.29× | 0.29× | 0.29× | 0.29× | 0.29× | 0.35× | 0.30× | 0.35× |
| Total Common & Spl DPS -Gross - Issue - By Announcement Date Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.73 |
Every line the company reported, in the original order and wording, without regrouping or signs changed. Latest 8 periods; the table above goes back further.