EFUG EFU General Insurance Limited
Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026
Last close · 16 Oct 2026
Rs 120.72 +0.60%
Annual · FY2006 – FY2025
EFU General Insurance Limited (EFUG) income statement
EFU General Insurance Limited reported total income of Rs 102.7 bn for FY2025 (Jan – Dec 2025), up 5.8% on FY2024. Tax of Rs 4.8 bn took 41.2% of pre-tax profit. Profit attributable to shareholders was Rs 5.6 bn, up 49.4% on FY2024, or Rs 28.24 per share.
| Rs bn | 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 | FY2016 * Jan – Dec 2016 | FY2015 * Jan – Dec 2015 | FY2014 * Jan – Dec 2014 | FY2013 * Jan – Dec 2013 | FY2012 * Jan – Dec 2012 | FY2011 * Jan – Dec 2011 | FY2010 * Jan – Dec 2010 | FY2009 * Jan – Dec 2009 | FY2008 * Jan – Dec 2008 | FY2007 * Jan – Dec 2007 | FY2006 * Jan – Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net premium earned | 67.0 | 54.0 | 48.7 | 48.7 | 46.1 | 40.2 | 38.5 | 30.9 | 7.6 | 7.2 | 6.7 | 6.5 | 6.3 | 6.0 | 6.2 | 5.8 | 5.6 | 6.1 | 6.1 | 5.4 |
| Investment income (net) | 31.4 | 41.4 | 8.1 | 7.3 | 13.1 | 13.0 | 13.2 | 6.3 | 0.8 | 1.0 | 1.2 | 0.9 | 0.8 | 0.9 | 0.2 | (0.4) | 0.7 | — | — | — |
| Total income | 102.7 | 97.1 | 57.3 | 56.5 | 55.0 | 62.7 | 47.0 | 27.9 | 8.5 | 8.4 | 7.9 | 7.4 | 7.1 | 6.9 | 6.4 | 5.5 | 6.2 | 6.1 | 6.1 | 5.4 |
| Net claims & benefits | (55.1) | (46.9) | (37.2) | (31.1) | (27.3) | (22.2) | (19.2) | (12.3) | (3.0) | (2.7) | (3.0) | (3.0) | (3.4) | (3.3) | (3.7) | (3.9) | (3.9) | (4.4) | (5.1) | (4.1) |
| Acquisition & underwriting expenses | (2.9) | (1.9) | (1.3) | (1.2) | (0.9) | (0.8) | — | — | — | (0.6) | (0.6) | (0.8) | (0.8) | (0.7) | (0.7) | (0.7) | (0.5) | (0.4) | (0.3) | (0.3) |
| Profit before tax | 11.6 | 9.1 | 8.3 | 2.7 | 5.3 | 5.2 | 5.4 | 4.7 | 3.8 | 3.8 | 4.8 | 2.3 | 1.6 | 1.6 | 2.0 | (0.4) | 0.8 | (5.4) | 14.5 | 0.9 |
| Taxation | (4.8) | (3.8) | (4.1) | (1.6) | (1.7) | (1.8) | (2.0) | (1.1) | (1.2) | (1.4) | (0.8) | (0.4) | (0.2) | (0.0) | (0.3) | 0.0 | (0.0) | (0.0) | 0.1 | (0.0) |
| Profit after tax | 6.8 | 5.2 | 4.2 | 1.1 | 3.6 | 3.4 | 3.4 | 3.6 | 2.6 | 2.4 | 4.0 | 1.8 | 1.4 | 1.6 | 1.7 | (0.3) | 0.8 | (5.5) | 14.6 | 0.9 |
| Profit attributable to shareholders | 5.6 | 3.8 | 3.3 | 0.4 | 2.8 | 2.4 | 2.5 | 2.8 | 2.6 | 2.4 | 4.0 | 1.8 | 1.4 | 1.6 | 1.7 | (0.3) | 0.8 | (5.5) | 14.6 | 0.9 |
| Per share | ||||||||||||||||||||
| EPS – basic (Rs) Rs | 28.24 | 18.91 | 16.36 | 2.11 | 13.90 | 12.11 | 12.74 | 14.00 | 13.13 | 11.96 | 20.17 | 9.15 | 6.96 | 7.82 | 8.49 | (1.59) | 3.80 | (27.26) | 72.78 | 4.27 |
| Dividend per share (Rs) Rs | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 6.90 | 4.80 | 3.13 | 3.13 | 1.72 | 0.78 | 2.30 | 1.87 | 3.00 | 0.75 |
| 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 | FY2016 * Jan – Dec 2016 | FY2015 * Jan – Dec 2015 | FY2014 * Jan – Dec 2014 | FY2013 * Jan – Dec 2013 | FY2012 * Jan – Dec 2012 | FY2011 * Jan – Dec 2011 | FY2010 * Jan – Dec 2010 | FY2009 * Jan – Dec 2009 | FY2008 * Jan – Dec 2008 | FY2007 * Jan – Dec 2007 | FY2006 * Jan – Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net premium earned | +24.1% | +10.8% | +0.1% | +5.6% | +14.6% | +4.4% | +24.9% | +305.4% | +5.1% | +8.5% | +2.2% | +3.0% | +5.5% | -3.5% | +6.5% | +5.0% | -9.2% | +0.4% | +12.8% | — |
| Investment income (net) | -24.2% | +414.2% | +10.4% | -44.5% | +1.1% | -1.3% | +108.3% | +658.5% | -17.4% | -16.1% | +31.4% | +18.5% | -9.3% | +359.6% | — | -153.1% | — | — | — | — |
| Total income | +5.8% | +69.5% | +1.5% | +2.7% | -12.3% | +33.2% | +68.9% | +226.0% | +1.8% | +6.5% | +5.8% | +4.7% | +3.7% | +7.0% | +16.8% | -12.1% | +1.7% | +0.4% | +12.8% | — |
| Net claims & benefits | +17.4% | +26.0% | +19.7% | +14.0% | +22.9% | +15.7% | +56.1% | +313.5% | +10.4% | -10.1% | +0.8% | -12.7% | +3.3% | -11.1% | -5.9% | +0.8% | -10.5% | -14.2% | +23.2% | — |
| Acquisition & underwriting expenses | +56.7% | +44.6% | +12.9% | +23.4% | +11.2% | — | — | — | — | -5.1% | -18.5% | -3.6% | +5.4% | +8.9% | +4.6% | +42.3% | +8.0% | +32.1% | +23.9% | — |
| Profit before tax | +28.5% | +9.5% | +203.6% | -48.8% | +3.3% | -3.9% | +13.6% | +23.8% | +0.8% | -21.4% | +112.6% | +39.4% | +0.6% | -18.5% | — | -144.9% | — | -137.6% | +1,585.8% | — |
| Taxation | +24.8% | -6.4% | +157.0% | -7.6% | -3.1% | -10.3% | +74.8% | -4.1% | -14.6% | +79.2% | +79.0% | +87.8% | +366.4% | -82.4% | — | -201.5% | +334.4% | — | -3,915.6% | — |
| Profit after tax | +31.2% | +25.2% | +269.7% | -68.7% | +6.8% | -0.1% | -5.9% | +36.4% | +9.7% | -40.7% | +120.5% | +31.4% | -11.0% | -7.9% | — | -141.8% | — | -137.5% | +1,602.5% | — |
| Profit attributable to shareholders | +49.4% | +15.5% | +676.5% | -84.8% | +14.7% | -4.9% | -9.0% | +6.6% | +9.7% | -40.7% | +120.5% | +31.4% | -11.0% | -7.9% | — | -141.8% | — | -137.5% | +1,602.5% | — |
| Per share | ||||||||||||||||||||
| EPS – basic (Rs) | +49.4% | +15.5% | +676.5% | -84.8% | +14.7% | -4.9% | -9.0% | +6.6% | +9.7% | -40.7% | +120.5% | +31.4% | -11.0% | -7.9% | — | -141.8% | — | -137.5% | +1,602.5% | — |
| Dividend per share (Rs) | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | +44.9% | +43.8% | +53.6% | 0.0% | +81.8% | +120.0% | -66.0% | +23.1% | -37.7% | +300.0% | — |
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 | FY2016 * Jan – Dec 2016 | FY2015 * Jan – Dec 2015 | FY2014 * Jan – Dec 2014 | FY2013 * Jan – Dec 2013 | FY2012 * Jan – Dec 2012 | FY2011 * Jan – Dec 2011 | FY2010 * Jan – Dec 2010 | FY2009 * Jan – Dec 2009 | FY2008 * Jan – Dec 2008 | FY2007 * Jan – Dec 2007 | FY2006 * Jan – Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net premium earned | 65.2% | 55.6% | 85.1% | 86.3% | 83.9% | 64.2% | 81.9% | 110.8% | 89.1% | 86.3% | 84.7% | 87.7% | 89.1% | 87.6% | 97.1% | 106.5% | 89.2% | 100.0% | 100.0% | 100.0% |
| Investment income (net) | 30.6% | 42.6% | 14.1% | 12.9% | 23.9% | 20.7% | 28.0% | 22.7% | 9.8% | 12.0% | 15.3% | 12.3% | 10.9% | 12.4% | 2.9% | (6.5%) | 10.8% | — | — | — |
| Total income | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% |
| Net claims & benefits | (53.7%) | (48.3%) | (65.0%) | (55.1%) | (49.7%) | (35.4%) | (40.8%) | (44.2%) | (34.8%) | (32.1%) | (38.0%) | (39.9%) | (47.9%) | (48.1%) | (57.8%) | (71.8%) | (62.6%) | (71.2%) | (83.3%) | (76.3%) |
| Acquisition & underwriting expenses | (2.9%) | (1.9%) | (2.3%) | (2.0%) | (1.7%) | (1.3%) | — | — | — | (7.0%) | (7.9%) | (10.2%) | (11.1%) | (10.9%) | (10.7%) | (12.0%) | (7.4%) | (7.0%) | (5.3%) | (4.8%) |
| Profit before tax | 11.3% | 9.3% | 14.4% | 4.8% | 9.7% | 8.2% | 11.4% | 16.9% | 44.6% | 45.1% | 61.0% | 30.4% | 22.8% | 23.5% | 30.9% | (6.6%) | 12.8% | (88.7%) | 236.6% | 15.8% |
| Taxation | (4.7%) | (4.0%) | (7.2%) | (2.8%) | (3.1%) | (2.8%) | (4.2%) | (4.1%) | (13.9%) | (16.5%) | (9.8%) | (5.8%) | (3.2%) | (0.7%) | (4.4%) | 0.8% | (0.7%) | (0.2%) | 1.6% | (0.0%) |
| Profit after tax | 6.7% | 5.4% | 7.3% | 2.0% | 6.5% | 5.4% | 7.2% | 12.9% | 30.7% | 28.5% | 51.2% | 24.6% | 19.6% | 22.8% | 26.5% | (5.8%) | 12.2% | (88.8%) | 238.2% | 15.8% |
| Profit attributable to shareholders | 5.5% | 3.9% | 5.7% | 0.7% | 5.1% | 3.9% | 5.4% | 10.0% | 30.7% | 28.5% | 51.2% | 24.6% | 19.6% | 22.8% | 26.5% | (5.8%) | 12.2% | (88.8%) | 238.2% | 15.8% |
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 141
| Rs bn | 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 | FY2016 Jan – Dec 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Premiums Earned | 67.0 | 54.0 | 48.7 | 48.7 | 46.1 | 40.2 | 38.5 | 30.9 | 7.6 | 7.2 |
| Premiums Written - Gross | 97.0 | 80.8 | 70.5 | 64.9 | 58.2 | 52.5 | 50.7 | 42.6 | 17.7 | — |
| Premiums Ceded Out & Unearned - Reinsurance | 30.0 | 26.8 | 21.7 | 16.2 | 12.1 | 12.2 | 12.1 | 11.7 | 10.1 | — |
| Fees & Commissions Income | 0.2 | 0.2 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 |
| Fees & Commissions Expense | 10.8 | 8.5 | 8.0 | 8.3 | 8.2 | 6.5 | 7.9 | 5.9 | 0.7 | — |
| Investment Income/(Expense) - Net - Insurance | 31.4 | 41.4 | 8.1 | 7.3 | 13.1 | 13.0 | 13.2 | 6.3 | 0.8 | 1.0 |
| Investments & Loans - Business - Gain/(Loss) | 4.1 | 1.5 | 0.4 | 0.3 | (4.4) | 9.3 | (4.8) | (9.4) | 0.0 | — |
| Investment Income - Gross - Insurance - Total | 31.5 | 41.4 | 8.1 | 7.3 | — | — | — | — | — | — |
| Investment Expense - Insurance - Total | 0.1 | 0.0 | 0.0 | 0.0 | — | — | — | — | — | — |
| Investment Securities - Business - Gain/(Loss) | 4.1 | 1.5 | 0.4 | 0.3 | 2.2 | 3.8 | (7.8) | (3.5) | 0.0 | — |
| Revenue from Business-Related Activities - Other - Total | 0.2 | 0.2 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 |
| Gain/(Loss) on Sale of Financial Instruments - Other | — | — | — | — | (6.6) | 5.5 | 3.0 | (5.9) | 0.0 | — |
| Revenue from Business Activities - Total | 102.7 | 97.1 | 57.3 | 56.5 | 55.0 | 62.7 | 47.0 | 27.9 | 8.5 | 8.4 |
| Insurance Claims/Reserves - Total | 55.1 | 46.9 | 37.2 | 31.1 | 27.3 | 22.2 | 19.2 | 12.3 | 3.0 | 2.7 |
| Insurance Benefits Paid - Current | 55.1 | 46.9 | 37.2 | 31.1 | 27.3 | 22.2 | 19.2 | 12.3 | 3.0 | 2.7 |
| Selling, General & Administrative Expenses - Total | 8.5 | 8.2 | 7.2 | 6.0 | 5.0 | 4.6 | 4.3 | 3.9 | 2.3 | 2.2 |
| Selling, General & Administrative Expenses - Unclassified | 3.4 | 3.8 | 3.6 | 1.8 | 1.5 | 1.4 | 1.4 | 1.3 | 0.5 | 0.5 |
| Depreciation in Selling, General & Administrative Expenses | — | — | — | 1.1 | 0.7 | 0.6 | 0.6 | 0.5 | 0.2 | 0.2 |
| Underwriting Expenses | 2.9 | 1.9 | 1.3 | 1.2 | 0.9 | 0.8 | — | — | — | 0.6 |
| Policy Acquisition Costs - Total | 2.9 | 1.9 | 1.3 | 1.2 | 0.9 | 0.8 | — | — | — | 0.6 |
| Other Operating Expense/(Income) - Net | (0.4) | (0.6) | (0.8) | (0.4) | (0.1) | (0.1) | (0.2) | (0.0) | (0.0) | (0.0) |
| Other Operating Income - Total | 0.9 | 1.2 | 1.3 | 0.6 | 0.3 | 0.3 | 0.4 | 0.2 | 0.1 | 0.1 |
| Underwriting Commissions to Agents | — | — | — | — | — | — | — | — | — | 0.6 |
| Operating Expenses - Total | 77.0 | 64.9 | 53.0 | 46.2 | 41.4 | 34.1 | 31.2 | 22.1 | 5.9 | 5.4 |
| Labor & Related Expenses including Stock-Based Compensation in Selling, General & Administrative Expenses | 4.9 | 4.4 | 3.6 | 3.2 | 2.8 | 2.6 | 2.1 | 2.0 | 1.5 | 1.4 |
| Selling, General & Administrative Expenses - Other - Total | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.2 | 0.1 | 0.1 | 0.0 |
| Advertising Expense | 0.0 | 0.0 | 0.0 | 0.0 | — | 0.0 | 0.0 | 0.0 | 0.0 | — |
| Rental Expense | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Operating Profit before Non-Recurring Income/(Expense) | 25.8 | 32.2 | 4.3 | 10.3 | 13.5 | 28.6 | 15.9 | 5.8 | 2.6 | 3.0 |
| Other Operating Expense | 0.5 | 0.6 | 0.5 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.1 | 0.0 |
| Interest Expense - Net of Capitalized Interest | 0.2 | 0.1 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | — | — |
| Sale of Tangible & Intangible Fixed Assets - Gain/Loss | 0.2 | 0.3 | 0.3 | 0.1 | 0.1 | 0.0 | 0.1 | 0.1 | 0.0 | 0.0 |
| Equity Earnings/(Loss) - before Taxes including Non-Recurring | 0.0 | 0.0 | — | — | — | — | 0.0 | 0.1 | 0.8 | 0.8 |
| Other Non-Operating Income/(Expense) - Total | — | — | — | — | — | — | — | 0.0 | — | — |
| Foreign Exchange Gain/(Loss) - Non-Business | 0.0 | 0.0 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Normalized Pre-tax Profit | 25.8 | 32.4 | 4.6 | 10.4 | 13.7 | 28.6 | 16.0 | 6.0 | 3.5 | 3.8 |
| Non-Recurring Income/Expense - Total | (14.2) | (23.4) | 3.7 | (7.7) | (8.3) | (23.4) | (10.6) | (1.3) | 0.3 | 0.0 |
| Impairment - Tangible & Intangible Fixed Assets | 0.9 | 1.7 | 0.4 | 2.0 | — | — | — | — | — | — |
| Impairment - Financial Investments | (0.2) | 0.0 | 0.1 | 0.4 | — | — | — | — | — | — |
| Early Extinguishment of Lease Related Debts - Gain/(Loss) | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | — | — | — | — |
| Fair Value Adjustments - Financial Investments | 20.6 | 21.4 | 33.1 | 8.8 | 0.1 | 0.2 | 0.4 | 0.0 | 0.3 | — |
| Non-Recurring Income/(Expense) - Other - Total | — | — | — | — | — | — | — | — | — | 0.0 |
| Income before Taxes | 11.6 | 9.1 | 8.3 | 2.7 | 5.3 | 5.2 | 5.4 | 4.7 | 3.8 | 3.8 |
| Income Taxes | 4.8 | 3.8 | 4.1 | 1.6 | 1.7 | 1.8 | 2.0 | 1.1 | 1.2 | 1.4 |
| Impairment - Goodwill | 0.9 | 1.7 | 0.4 | 2.0 | — | — | — | — | — | — |
| Income Taxes for the Year - Current | 3.6 | 3.2 | 3.8 | 1.4 | 1.7 | 1.7 | 1.7 | 1.5 | 1.0 | 1.0 |
| Income Taxes - Deferred | (0.1) | (0.4) | — | — | 0.0 | 0.1 | 0.2 | (0.7) | 0.1 | 0.3 |
| Income Taxes - Other (by Type) | 1.3 | 1.0 | 0.3 | 0.2 | (0.0) | 0.0 | 0.1 | 0.3 | 0.1 | 0.1 |
| Fair Value Adjustments - Other Assets | (34.2) | (43.1) | (28.9) | (14.2) | (8.4) | (23.6) | (11.0) | (1.3) | 0.0 | — |
| Net Income after Tax | 6.8 | 5.2 | 4.2 | 1.1 | 3.6 | 3.4 | 3.4 | 3.6 | 2.6 | 2.4 |
| Income before Discontinued Operations & Extraordinary Items | 6.8 | 5.2 | 4.2 | 1.1 | 3.6 | 3.4 | 3.4 | 3.6 | 2.6 | 2.4 |
| Net Income before Minority Interest | 6.8 | 5.2 | 4.2 | 1.1 | 3.6 | 3.4 | 3.4 | 3.6 | 2.6 | 2.4 |
| Minority Interest | 1.2 | 1.4 | 0.9 | 0.7 | 0.8 | 0.9 | 0.8 | 0.8 | 0.0 | — |
| Net Income after Minority Interest | 5.6 | 3.8 | 3.3 | 0.4 | 2.8 | 2.4 | 2.5 | 2.8 | 2.6 | 2.4 |
| Income Available to Common Shares | 5.6 | 3.8 | 3.3 | 0.4 | 2.8 | 2.4 | 2.5 | 2.8 | 2.6 | 2.4 |
| Other Comprehensive Income - Starting Line | 6.8 | 5.2 | — | — | — | — | — | — | — | — |
| Other Comprehensive Income - Foreign Currency | 0.0 | (0.0) | — | — | — | — | — | — | — | — |
| Other Comprehensive Income - Unrealized Investment Gain/(Loss) | (0.2) | 2.2 | — | — | — | — | — | — | — | — |
| Other Comprehensive Income - Other | (0.1) | (0.1) | — | — | — | — | — | — | — | — |
| Other Comprehensive Income - Net of Tax - Total | (0.3) | 2.1 | — | — | — | — | — | — | — | — |
| Comprehensive Income before Minority Interest - Total | 6.6 | 7.4 | — | — | — | — | — | — | — | — |
| Comprehensive Income - Attributable to Minority Interest - Total | 1.2 | 1.5 | — | — | — | — | — | — | — | — |
| Comprehensive Income - Attributable to Parent Company Equity Holders - Total | 5.4 | 5.9 | — | — | — | — | — | — | — | — |
| DPS - Common - Gross - Issue - By Period End Date Rs | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Net Income - Basic - including Extraordinary Items Applicable to Common - Total | 5.6 | 3.8 | 3.3 | 0.4 | 2.8 | 2.4 | 2.5 | 2.8 | 2.6 | 2.4 |
| Income available to Common excluding Extraordinary Items | 5.6 | 3.8 | 3.3 | 0.4 | 2.8 | 2.4 | 2.5 | 2.8 | 2.6 | 2.4 |
| Shares used to calculate Basic EPS - Total mn | 200.0 | 200.0 | 200.0 | 200.0 | 200.0 | 200.0 | 200.0 | 200.0 | 200.0 | 200.0 |
| EPS - Basic - including Extraordinary Items Applicable to Common - Total Rs | 28.24 | 18.91 | 16.36 | 2.11 | 13.90 | 12.11 | 12.74 | 14.00 | 13.13 | 11.96 |
| EPS - Basic - excluding Extraordinary Items Applicable to Common - Total Rs | 28.24 | 18.91 | 16.36 | 2.11 | 13.90 | 12.11 | 12.74 | 14.00 | 13.13 | 11.96 |
| EPS - Basic - excluding Extraordinary Items - Normalized - Total Rs | 99.08 | 135.84 | (2.01) | 40.42 | 55.60 | 129.33 | 65.80 | 20.33 | 11.63 | 11.96 |
| Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific | 5.6 | 3.8 | 3.3 | 0.4 | 2.8 | 2.4 | 2.5 | 2.8 | 2.6 | 2.4 |
| Earnings Allocation Factor - Basic - Issue Specific | 1.00× | 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 | 200.0 | 200.0 | 200.0 | 200.0 | 200.0 | 200.0 | 200.0 | 200.0 | 200.0 | 200.0 |
| EPS - Basic - including Extraordinary Items Applicable to Common - Issue Specific Rs | 28.24 | 18.91 | 16.36 | 2.11 | 13.90 | 12.11 | 12.74 | 14.00 | 13.13 | 11.96 |
| EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific Rs | 28.24 | 18.91 | 16.36 | 2.11 | 13.90 | 12.11 | 12.74 | 14.00 | 13.13 | 11.96 |
| EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific Rs | 99.08 | 135.84 | (2.01) | 40.42 | 55.60 | 129.33 | 65.80 | 20.33 | 11.63 | 11.96 |
| 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 | 0.00 |
| Comprehensive Earnings Per Share - Basic - Issue Specific Rs | 26.76 | 29.41 | — | — | — | — | — | — | — | — |
| Net Income - Diluted - including Extraordinary Items Applicable to Common - Total | 5.6 | 3.8 | 3.3 | 0.4 | 2.8 | 2.4 | 2.5 | 2.8 | 2.6 | 2.4 |
| Diluted Income available to Common excluding Extraordinary Items | 5.6 | 3.8 | 3.3 | 0.4 | 2.8 | 2.4 | 2.5 | 2.8 | 2.6 | 2.4 |
| Shares used to calculate Diluted EPS - Total mn | 200.0 | 200.0 | 200.0 | 200.0 | 200.0 | 200.0 | 200.0 | 200.0 | 200.0 | 200.0 |
| EPS - Diluted - including Extraordinary Items Applicable to Common - Total Rs | 28.24 | 18.91 | 16.36 | 2.11 | 13.90 | 12.11 | 12.74 | 14.00 | 13.13 | 11.96 |
| EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total Rs | 28.24 | 18.91 | 16.36 | 2.11 | 13.90 | 12.11 | 12.74 | 14.00 | 13.13 | 11.96 |
| EPS - Diluted - excluding Extraordinary Items - Normalized - Total Rs | 99.08 | 135.84 | (2.01) | 40.42 | 55.60 | 129.33 | 65.80 | 20.33 | 11.63 | 11.96 |
| Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue Specific | 5.6 | 3.8 | 3.3 | 0.4 | 2.8 | 2.4 | 2.5 | 2.8 | 2.6 | 2.4 |
| Earnings Allocation Factor - Diluted - Issue Specific | 1.00× | 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 | 200.0 | 200.0 | 200.0 | 200.0 | 200.0 | 200.0 | 200.0 | 200.0 | 200.0 | 200.0 |
| EPS - Diluted - including Extraordinary Items Applicable to Common - Issue Specific Rs | 28.24 | 18.91 | 16.36 | 2.11 | 13.90 | 12.11 | 12.74 | 14.00 | 13.13 | 11.96 |
| EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific Rs | 28.24 | 18.91 | 16.36 | 2.11 | 13.90 | 12.11 | 12.74 | 14.00 | 13.13 | 11.96 |
| EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific Rs | 99.08 | 135.84 | (2.01) | 40.42 | 55.60 | 129.33 | 65.80 | 20.33 | 11.63 | 11.96 |
| 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 | 0.00 |
| Comprehensive Earnings Per Share - Diluted - Issue Specific Rs | 26.76 | 29.41 | — | — | — | — | — | — | — | — |
| DPS - Common - Gross - Issue - By Announcement Date Rs | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.75 | 10.00 | 10.75 | 7.50 |
| DPS - Common - Net - Issue - By Announcement Date Rs | 9.00 | 9.00 | 9.00 | 9.15 | 9.00 | 9.00 | 9.68 | 9.00 | 9.68 | 6.75 |
| Earnings before Interest & Taxes (EBIT) | 25.8 | 32.2 | 4.3 | 10.3 | 13.5 | 28.6 | 15.9 | 5.8 | 2.6 | 3.0 |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) | 27.4 | 34.1 | 5.8 | 11.6 | 14.6 | 29.5 | 16.8 | 6.4 | 2.9 | 3.2 |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) and Operating Lease Payments | 27.4 | 34.1 | 5.8 | 11.6 | 14.6 | 29.5 | 16.8 | 6.4 | 2.9 | 3.2 |
| Depreciation & Amortization - Supplemental | 1.6 | 1.9 | 1.5 | 1.4 | 1.0 | 1.0 | 1.0 | 0.6 | 0.1 | 0.2 |
| Depreciation Expense - Total - Supplemental | 1.4 | 1.4 | 1.1 | 1.0 | 1.0 | 1.0 | 0.9 | 0.6 | 0.1 | 0.2 |
| Depreciation - Financial Lease Right-of-Use Assets - Supplemental | 0.2 | 0.3 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | — | — | — |
| Amortization - Total - Supplemental | 0.2 | 0.5 | 0.4 | 0.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Intangible Amortization - Other - Supplemental | 0.2 | 0.5 | 0.4 | 0.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Amortization of Computer Software - Supplemental | 0.1 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | — |
| Depreciation, Depletion & Amortization - Total | 1.6 | 1.9 | 1.5 | 1.4 | 1.0 | 1.0 | 1.0 | 0.6 | 0.2 | 0.2 |
| Depreciation - Total | 1.4 | 1.4 | 1.1 | 1.0 | 1.0 | 1.0 | 0.9 | 0.6 | 0.1 | 0.2 |
| Amortization of Intangible Assets excluding Goodwill - Total | 0.2 | 0.5 | 0.4 | 0.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Labor & Related Expenses - Total | 4.9 | 4.4 | 3.6 | 3.2 | 2.8 | 2.6 | 2.1 | 2.0 | 1.5 | 1.4 |
| Labor & Related Expenses - Supplemental | 4.9 | 4.4 | 3.6 | 3.2 | 2.8 | 2.6 | 2.1 | 2.0 | 1.5 | 1.4 |
| Auditor Fees | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Audit-Related Fees | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Fees - Other | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Normalized after Tax Profit | 21.0 | 28.6 | 0.5 | 8.8 | 11.9 | 26.8 | 14.0 | 4.8 | 2.3 | 2.4 |
| Normalized Net Income from Continuing Operations | 21.0 | 28.6 | 0.5 | 8.8 | 11.9 | 26.8 | 14.0 | 4.8 | 2.3 | 2.4 |
| Normalized Net Income - Bottom Line | 19.8 | 27.2 | (0.4) | 8.1 | 11.1 | 25.9 | 13.2 | 4.1 | 2.3 | 2.4 |
| Earnings before Interest & Taxes (EBIT) - Normalized | 26.0 | 32.5 | 4.7 | 10.4 | 13.7 | 28.6 | 16.0 | 6.0 | 3.5 | 3.8 |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized | 27.6 | 34.4 | 6.2 | 11.8 | 14.7 | 29.6 | 16.9 | 6.6 | 3.8 | 4.0 |
| Depreciation of Financial Lease Right-of-Use Assets | 0.2 | 0.3 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | — | — | — |
| Rental/Operating Lease Expense | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Advertising Expenses - Supplemental | 0.0 | 0.0 | 0.0 | 0.0 | — | 0.0 | 0.0 | 0.0 | 0.0 | — |
| Interest Expense | 0.2 | 0.1 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | — | — |
| Investment Income - Insurance | 31.4 | 41.4 | 8.1 | 7.3 | 13.1 | 13.0 | 13.2 | 6.3 | 0.8 | 1.0 |
| Losses, Benefits & Adjustments - Insurance | 55.1 | 46.9 | 37.2 | 31.1 | 27.3 | 22.2 | 19.2 | 12.3 | 3.0 | 2.7 |
| Operating Expenses | 77.0 | 64.9 | 53.0 | 46.2 | 41.4 | 34.1 | 31.2 | 22.1 | 5.9 | 5.4 |
| Premiums Ceded Out & Unearned - Total | 30.0 | 26.8 | 21.7 | 16.2 | 12.1 | 12.2 | 12.1 | 11.7 | 10.1 | — |
| Selling, General & Administrative Expenses excluding Research & Development Expenses | 8.5 | 8.2 | 7.2 | 6.0 | 5.0 | 4.6 | 4.3 | 3.9 | 2.3 | 2.2 |
| Total Claim & Loss Expense | 55.1 | 46.9 | 37.2 | 31.1 | 27.3 | 22.2 | 19.2 | 12.3 | 3.0 | 2.7 |
| Underwriting & Commissions | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | — | — | — | 0.6 |
| Underwriting Expenses - Insurance | 21.8 | 18.0 | 15.8 | 15.1 | 14.1 | 11.9 | 12.0 | 9.8 | 2.9 | 2.2 |
| Income before Taxes & Provision for Loan Losses | 11.6 | 9.1 | 8.3 | 2.7 | 5.3 | 5.2 | 5.4 | 4.7 | 3.8 | 3.8 |
| DPS - Common - Gross - Issue - By Payable Date Rs | 10.00 | 10.00 | 11.50 | 8.50 | 10.00 | 10.00 | 10.75 | 10.00 | 10.75 | 7.50 |
| DPS - Common - Gross - Issue - By Ex Date Rs | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.75 | 10.00 | 10.75 | 7.50 |
| Tax Adjusted Operating Income | 5.7 | 3.8 | 3.3 | 0.4 | 2.8 | 2.4 | 2.6 | 2.8 | 2.6 | 2.4 |
| Underwriting Expenses minus Losses, Benefits & Adjustments - Insurance | (33.3) | (29.0) | (21.5) | (16.0) | (13.2) | (10.3) | (7.2) | (2.5) | (0.0) | (0.5) |
| Operating Expenses excluding Non-Cash Charges - Total | 75.3 | 63.0 | 51.5 | 44.8 | 40.4 | 33.1 | 30.2 | 21.5 | 5.7 | 5.2 |
| Premiums Earned - Total | 67.2 | 54.2 | 48.9 | 48.8 | 46.2 | 40.4 | 38.7 | 31.0 | 7.7 | 7.4 |
| Losses, Benefits & Adjustments - Total | 55.1 | 46.9 | 37.2 | 31.1 | 27.3 | 22.2 | 19.2 | 12.3 | 3.0 | 3.3 |
| Income Available to Common Shares before Depreciation & Amortization | 7.3 | 5.7 | 4.8 | 1.8 | 3.8 | 3.4 | 3.5 | 3.4 | 2.9 | 2.6 |
| Fixed Charges | 0.2 | 0.1 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 | — | — | — |
| Net Premiums Written | 67.0 | 54.0 | 48.7 | 48.7 | 46.1 | 40.2 | 38.5 | 30.9 | 7.6 | — |
| Estimated Tax Rate | 0.29× | 0.29× | 0.29× | 0.29× | 0.29× | 0.35× | 0.30× | 0.30× | 0.31× | 0.32× |
| Total Common & Spl DPS -Gross - Issue - By Announcement Date Rs | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.75 | 10.00 | 10.75 | 7.50 |
Every line the company reported, in the original order and wording, without regrouping or signs changed. Latest 10 periods; the table above goes back further.