Adamjee Life Assurance Company Limited (ALIFE) financial ratios

Adamjee Life Assurance Company Limited earned a net margin of 2.7% in FY2025 against a five-year average of 2.3% (Insurance median 11.2%). Return on equity was 22.3%, compared with a sector median of 14.1%.

FY2025 vs the Insurance median

Net margin: 2.7%; Sector median 11.2%
Return on equity (ROE): 22.3%; Sector median 14.1%
Return on assets (ROA): 1.0%; Sector median 3.5%
Debt to equity: 9.0%; Sector median 2.4%
Dividend payout ratio: 39.0%; Sector median 0.0%

Median of the 29 companies in the sector with the figure for their latest fiscal year.

ALIFE financial ratios (annual) (Rs mn)
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
Profitability
Pre-tax margin	4.5%	5.5%	4.4%	3.0%	1.0%	1.6%	1.8%	0.5%
Net margin	2.7%	3.4%	2.6%	1.8%	0.7%	1.0%	1.4%	0.4%
Effective tax rate	38.7%	38.7%	41.1%	38.6%	24.8%	38.4%	22.8%	22.7%
Returns
Return on equity (ROE)	22.3%	—	22.2%	14.2%	7.3%	13.6%	17.8%	—
Return on assets (ROA)	1.0%	—	1.2%	0.8%	0.3%	0.4%	0.6%	—
Leverage
Debt to equity	9.0%	12.2%	2.3%	4.3%	9.7%	29.2%	27.4%	—
Debt to capital	8.2%	10.8%	2.3%	4.1%	8.8%	22.6%	21.5%	—
Debt to assets	0.4%	0.6%	0.1%	0.2%	0.5%	0.9%	0.9%	—
Assets to equity	21.33×	—	19.01×	18.73×	23.79×	32.48×	30.44×	—
Dividends
Dividend payout ratio	39.0%	32.2%	27.5%	0.0%	0.0%	0.0%	0.0%	0.0%
Earnings retention rate	0.61×	0.68×	0.72×	1.00×	1.00×	1.00×	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.

ALIFE: frequently asked questions

What is ALIFE's EPS?

Adamjee Life Assurance Company Limited reported basic earnings per share of Rs 5.01 for FY2025 (Jan – Dec 2025). Over the trailing twelve months (TTM to Jun 2026) EPS was Rs 4.43.

What is ALIFE's P/E ratio?

At the closing price of Rs 29.81 on 16 Oct 2026, ALIFE trades at a P/E of 6.7× based on EPS of Rs 4.43 (TTM to Jun 2026).

Does ALIFE pay dividends?

Yes. Adamjee Life Assurance Company Limited declared a dividend of Rs 2.50 per share for FY2025. It has paid a dividend in each of the last 3 years. At Rs 29.81 that is a dividend yield of 8.4%.

What was ALIFE's total income and profit in FY2025?

Adamjee Life Assurance Company Limited reported total income of Rs 47.9 bn and profit attributable to shareholders of Rs 1.3 bn for FY2025 (Jan – Dec 2025).

What is ALIFE's book value per share?

Adamjee Life Assurance Company Limited's book value per share was Rs 24.13 at the end of FY2025. The shares trade at 1.22× book value.

Information only, not investment advice.