EFUL EFU Life Assurance Limited
Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026
Last close · 16 Oct 2026
Rs 112.00 +1.65%
Annual · FY2006 – FY2025
EFU Life Assurance Limited (EFUL) income statement
EFU Life Assurance Limited reported total income of Rs 82.8 bn for FY2025 (Jan – Dec 2025), up 3.7% on FY2024. Tax of Rs 1.5 bn took 38.8% of pre-tax profit. Profit attributable to shareholders was Rs 2.4 bn, down 18.3% on FY2024, or Rs 16.71 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 | 52.6 | 39.5 | 36.4 | 38.5 | 36.4 | 31.7 | 31.1 | 30.2 | 30.8 | 23.9 | 30.4 | 17.6 | 13.4 | 11.3 | 9.6 | 7.9 | 6.8 | 6.8 | 4.4 | 3.0 |
| Investment income (net) | 4.3 | 4.6 | 4.7 | 5.0 | 3.6 | 2.5 | 11.6 | 6.9 | 6.4 | 15.8 | 8.8 | 10.6 | 5.6 | 5.3 | 2.5 | 1.7 | 3.2 | (3.3) | 3.1 | 0.5 |
| Total income | 82.8 | 79.9 | 69.6 | 57.9 | 50.4 | 46.9 | 34.9 | 33.4 | 40.2 | 39.7 | 39.2 | 28.2 | 19.0 | 16.6 | 12.1 | 9.6 | 9.9 | 3.5 | 7.5 | 3.5 |
| Net claims & benefits | (49.1) | (41.1) | (32.1) | (25.5) | (23.0) | (17.9) | (15.7) | (13.1) | (14.2) | (17.8) | (8.9) | (4.7) | (3.5) | (2.6) | (2.4) | (1.8) | (1.3) | (1.3) | (0.3) | (0.8) |
| Acquisition & underwriting expenses | (10.9) | (7.5) | (6.9) | (7.6) | (7.6) | (6.6) | (7.3) | (6.8) | (5.5) | — | — | — | — | — | — | — | — | — | — | — |
| Profit before tax | 4.0 | 5.0 | 4.0 | 2.8 | 2.1 | 2.5 | 2.4 | 2.3 | 2.8 | 2.8 | 2.2 | 1.4 | 1.4 | 1.4 | 0.9 | 0.6 | 0.6 | (0.3) | 1.4 | 0.3 |
| Taxation | (1.5) | (2.0) | (1.9) | (1.1) | (0.6) | (0.7) | (0.8) | (0.7) | (0.9) | (0.9) | (0.7) | (0.5) | (0.5) | (0.5) | (0.3) | (0.2) | 0.1 | (0.2) | (0.1) | (0.1) |
| Profit after tax | 2.4 | 3.0 | 2.1 | 1.7 | 1.5 | 1.8 | 1.5 | 1.6 | 1.9 | 1.9 | 1.5 | 1.0 | 0.9 | 0.9 | 0.6 | 0.4 | 0.7 | (0.5) | 1.4 | 0.2 |
| Profit attributable to shareholders | 2.4 | 3.0 | 2.1 | 1.7 | 1.5 | 1.8 | 1.5 | 1.6 | 1.9 | 1.9 | 1.5 | 1.0 | 0.9 | 0.9 | 0.6 | 0.4 | 0.7 | (0.5) | 1.4 | 0.2 |
| Per share | ||||||||||||||||||||
| EPS – basic (Rs) Rs | 16.71 | 20.68 | 14.83 | 12.15 | 10.83 | 12.82 | 11.13 | 11.36 | 13.72 | 13.45 | 10.60 | 6.83 | 6.67 | 7.72 | 4.15 | 2.61 | 5.11 | (3.40) | 9.81 | 1.69 |
| Dividend per share (Rs) Rs | 10.77 | 10.77 | 10.77 | 10.77 | 10.77 | 10.77 | 10.77 | 10.77 | 10.77 | 10.77 | 7.18 | 5.39 | 4.67 | 3.36 | 3.05 | 3.05 | 2.96 | 2.42 | 1.62 | 0.43 |
| 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 | +33.2% | +8.6% | -5.4% | +5.8% | +14.8% | +1.6% | +3.2% | -2.1% | +29.1% | -21.4% | +72.5% | +31.7% | +18.3% | +17.8% | +21.2% | +17.0% | -0.6% | +53.6% | +45.7% | — |
| Investment income (net) | -6.8% | -2.3% | -6.0% | +38.4% | +43.8% | -78.4% | +66.9% | +8.3% | -59.5% | +79.1% | -16.2% | +88.4% | +6.2% | +109.2% | +47.1% | -45.7% | — | -207.8% | +511.7% | — |
| Total income | +3.7% | +14.8% | +20.2% | +14.9% | +7.4% | +34.4% | +4.7% | -17.0% | +1.3% | +1.3% | +39.2% | +48.4% | +14.3% | +36.8% | +25.8% | -2.9% | +183.8% | -53.4% | +111.6% | — |
| Net claims & benefits | +19.4% | +28.0% | +25.9% | +10.9% | +28.9% | +13.9% | +19.7% | -8.0% | -19.9% | +98.7% | +89.7% | +35.3% | +32.7% | +11.2% | +28.5% | +41.3% | +0.2% | +350.9% | -62.1% | — |
| Acquisition & underwriting expenses | +45.0% | +8.8% | -8.9% | -0.2% | +14.9% | -9.5% | +8.5% | +23.7% | — | — | — | — | — | — | — | — | — | — | — | — |
| Profit before tax | -19.6% | +24.1% | +40.6% | +32.7% | -15.3% | +7.4% | +1.2% | -16.7% | -0.1% | +25.7% | +56.3% | +1.8% | +0.4% | +58.1% | +59.8% | -14.9% | — | -122.0% | +324.8% | — |
| Taxation | -21.5% | +2.0% | +67.8% | +81.5% | -14.8% | -7.7% | +8.0% | -15.7% | -4.4% | +23.4% | +58.7% | +0.7% | -1.9% | +58.2% | +61.0% | — | -140.4% | +132.6% | -33.2% | — |
| Profit after tax | -18.3% | +44.7% | +22.0% | +12.2% | -15.5% | +15.2% | -2.0% | -17.2% | +2.0% | +26.9% | +55.2% | +2.3% | +1.6% | +58.1% | +59.2% | -49.0% | — | -134.6% | +479.2% | — |
| Profit attributable to shareholders | -18.3% | +44.7% | +22.0% | +12.2% | -15.5% | +15.2% | -2.0% | -17.2% | +2.0% | +26.9% | +55.2% | +2.3% | +1.6% | +58.1% | +59.2% | -49.0% | — | -134.6% | +479.2% | — |
| Per share | ||||||||||||||||||||
| EPS – basic (Rs) | -19.2% | +39.5% | +22.0% | +12.2% | -15.5% | +15.2% | -2.0% | -17.2% | +2.0% | +26.9% | +55.2% | +2.4% | -13.6% | +85.9% | +59.2% | -49.0% | — | -134.7% | +478.9% | — |
| Dividend per share (Rs) | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | +50.0% | +33.3% | +15.4% | +39.0% | +10.0% | 0.0% | +3.0% | +22.2% | +50.0% | +275.0% | — |
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 | 63.6% | 49.5% | 52.3% | 66.5% | 72.1% | 67.4% | 89.2% | 90.4% | 76.6% | 60.1% | 77.4% | 62.5% | 70.5% | 68.1% | 79.2% | 82.2% | 68.2% | 194.6% | 59.1% | 85.8% |
| Investment income (net) | 5.1% | 5.7% | 6.7% | 8.6% | 7.1% | 5.3% | 33.2% | 20.8% | 15.9% | 39.9% | 22.6% | 37.5% | 29.5% | 31.8% | 20.8% | 17.8% | 31.8% | (94.6%) | 40.9% | 14.2% |
| 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 | (59.3%) | (51.5%) | (46.1%) | (44.1%) | (45.6%) | (38.0%) | (44.9%) | (39.2%) | (35.4%) | (44.8%) | (22.8%) | (16.7%) | (18.4%) | (15.8%) | (19.5%) | (19.1%) | (13.1%) | (37.1%) | (3.8%) | (21.4%) |
| Acquisition & underwriting expenses | (13.2%) | (9.4%) | (10.0%) | (13.1%) | (15.1%) | (14.1%) | (21.0%) | (20.2%) | (13.6%) | — | — | — | — | — | — | — | — | — | — | — |
| Profit before tax | 4.8% | 6.2% | 5.7% | 4.9% | 4.2% | 5.4% | 6.7% | 7.0% | 6.9% | 7.0% | 5.7% | 5.1% | 7.4% | 8.4% | 7.3% | 5.7% | 6.5% | (9.0%) | 19.1% | 9.5% |
| Taxation | (1.9%) | (2.5%) | (2.8%) | (2.0%) | (1.3%) | (1.6%) | (2.3%) | (2.2%) | (2.2%) | (2.3%) | (1.9%) | (1.7%) | (2.5%) | (2.9%) | (2.5%) | (1.9%) | 0.6% | (4.5%) | (0.9%) | (2.9%) |
| Profit after tax | 2.9% | 3.7% | 3.0% | 2.9% | 3.0% | 3.8% | 4.4% | 4.7% | 4.7% | 4.7% | 3.8% | 3.4% | 4.9% | 5.5% | 4.8% | 3.8% | 7.2% | (13.5%) | 18.2% | 6.7% |
| Profit attributable to shareholders | 2.9% | 3.7% | 3.0% | 2.9% | 3.0% | 3.8% | 4.4% | 4.7% | 4.7% | 4.7% | 3.8% | 3.4% | 4.9% | 5.5% | 4.8% | 3.8% | 7.2% | (13.5%) | 18.2% | 6.7% |
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 136
| 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 | 52.6 | 39.5 | 36.4 | 38.5 | 36.4 | 31.7 | 31.1 | 30.2 | 30.8 | 23.9 |
| Premiums Written - Gross | 57.0 | 41.7 | 37.5 | 39.6 | 37.4 | 32.5 | 31.8 | 30.8 | 31.4 | 23.9 |
| Premiums Written - Gross - Life/Long-Term Insurance | 57.0 | 41.7 | 37.5 | 39.6 | 37.4 | 32.5 | 31.8 | 30.8 | 31.4 | 23.9 |
| Premiums Ceded Out & Unearned - Reinsurance | 4.4 | 2.2 | 1.1 | 1.1 | 1.1 | 0.9 | 0.6 | 0.6 | 0.6 | — |
| Premiums Ceded Out to Reinsurance - Written | 4.4 | 2.2 | 1.1 | 1.1 | 1.1 | 0.9 | 0.6 | 0.6 | 0.6 | — |
| Investment Income/(Expense) - Net - Insurance | 4.3 | 4.6 | 4.7 | 5.0 | 3.6 | 2.5 | 11.6 | 6.9 | 6.4 | 15.8 |
| Investments & Loans - Business - Gain/(Loss) | 25.9 | 35.8 | 28.5 | 14.4 | 10.4 | 12.8 | (7.8) | (3.7) | 3.0 | — |
| Investment Income - Gross - Insurance - Total | 4.3 | 4.6 | 4.7 | 5.0 | 3.6 | 2.5 | — | — | — | 15.8 |
| Investment Securities - Business - Gain/(Loss) | 25.9 | 35.8 | 28.5 | 14.4 | 10.4 | 12.8 | (7.8) | (3.7) | 3.0 | — |
| Revenue from Business Activities - Total | 82.8 | 79.9 | 69.6 | 57.9 | 50.4 | 46.9 | 34.9 | 33.4 | 40.2 | 39.7 |
| Insurance Claims/Reserves - Total | 49.1 | 41.1 | 32.1 | 25.5 | 23.0 | 17.9 | 15.7 | 13.1 | 14.2 | 17.8 |
| Insurance Benefits Paid - Current | 49.1 | 41.1 | 32.1 | 25.5 | 23.0 | 17.9 | 15.7 | 13.1 | 14.2 | 17.8 |
| Selling, General & Administrative Expenses - Total | 4.9 | 4.4 | 3.6 | 2.8 | 2.6 | 1.9 | 1.6 | 1.6 | 1.4 | 5.6 |
| Selling, General & Administrative Expenses - Unclassified | 4.0 | 3.5 | 1.5 | 1.1 | 0.9 | 0.7 | 1.4 | 1.2 | 1.1 | 4.8 |
| Depreciation in Selling, General & Administrative Expenses | 0.7 | 0.7 | 0.5 | 0.5 | 0.5 | 0.2 | 0.2 | 0.1 | 0.0 | 0.1 |
| Amortization of Intangibles in Selling, General & Administrative Expenses | 0.1 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 | 0.0 |
| Underwriting Expenses | 10.9 | 7.5 | 6.9 | 7.6 | 7.6 | 6.6 | 7.3 | 6.8 | 5.5 | — |
| Policy Acquisition Costs - Total | 10.9 | 7.5 | 6.9 | 7.6 | 7.6 | 6.6 | 7.3 | 6.8 | 5.5 | — |
| Other Operating Expense/(Income) - Net | 34.2 | 43.2 | 29.0 | 14.2 | 8.5 | 23.7 | 11.1 | 6.6 | 3.3 | 13.9 |
| Policy Acquisition Costs - Other | 10.9 | 7.5 | 1.1 | 0.9 | 0.6 | 0.8 | 7.3 | 6.8 | 5.5 | — |
| Fee & Commission Expense - Insurance | — | — | 5.8 | 6.7 | 7.0 | 5.8 | — | — | — | — |
| Operating Expenses - Total | 99.2 | 96.2 | 71.7 | 50.2 | 41.7 | 50.0 | 35.7 | 28.0 | 24.4 | 37.2 |
| Labor & Related Expenses including Stock-Based Compensation in Selling, General & Administrative Expenses | 0.1 | 0.1 | 1.5 | 1.1 | 0.9 | 0.9 | (0.1) | — | — | 0.5 |
| Selling, General & Administrative Expenses - Other - Total | — | — | 0.1 | 0.1 | 0.2 | 0.1 | 0.1 | 0.2 | 0.2 | 0.2 |
| Advertising Expense | — | — | 0.1 | 0.1 | 0.2 | 0.1 | 0.1 | 0.2 | 0.2 | 0.2 |
| Rental Expense | — | — | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Operating Profit before Non-Recurring Income/(Expense) | (16.4) | (16.3) | (2.1) | 7.7 | 8.7 | (3.1) | (0.8) | 5.3 | 15.9 | 2.5 |
| Other Operating Expense | 34.2 | 43.2 | 29.0 | 14.2 | 8.5 | 23.7 | 11.1 | 6.6 | 3.3 | — |
| Interest Expense - Net of Capitalized Interest | 0.1 | 0.1 | 0.1 | — | — | — | — | — | — | — |
| Sale of Tangible & Intangible Fixed Assets - Gain/Loss | 0.1 | 0.2 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | — |
| Equity Earnings/(Loss) - before Taxes including Non-Recurring | 0.0 | — | — | — | — | — | — | — | — | — |
| Other Non-Operating Income/(Expense) - Total | 0.1 | 0.1 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 |
| Foreign Exchange Gain/(Loss) - Non-Business | (0.0) | 0.0 | — | — | — | — | — | — | — | (0.0) |
| Normalized Pre-tax Profit | (16.4) | (16.2) | (2.0) | 7.8 | 8.8 | (3.0) | (0.7) | 5.4 | 15.9 | 2.6 |
| Non-Recurring Income/Expense - Total | 20.4 | 21.1 | 6.0 | (5.0) | (6.7) | 5.6 | 3.1 | (3.1) | (13.1) | 0.2 |
| Impairment - Financial Investments | (0.0) | 0.0 | 0.2 | 0.0 | 0.0 | (0.1) | — | — | — | (0.2) |
| 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 | 20.3 | 21.1 | 6.1 | (5.0) | (6.6) | 5.5 | 3.1 | (3.1) | (13.1) | 0.0 |
| Provision for Income Tax Expense- Unclassified | 1.5 | 2.0 | 1.9 | — | — | — | — | — | — | — |
| Income before Taxes | 4.0 | 5.0 | 4.0 | 2.8 | 2.1 | 2.5 | 2.4 | 2.3 | 2.8 | 2.8 |
| Income Taxes | 1.5 | 2.0 | 1.9 | 1.1 | 0.6 | 0.7 | 0.8 | 0.7 | 0.9 | 0.9 |
| Income Taxes for the Year - Current | — | — | — | 0.9 | 0.6 | 0.7 | 0.7 | 0.8 | 0.9 | 0.8 |
| Income Taxes - Domestic - Current | — | — | — | 0.9 | 0.6 | 0.7 | 0.7 | 0.8 | 0.9 | 0.8 |
| Income Taxes - Deferred | — | — | — | 0.2 | 0.1 | 0.1 | 0.1 | (0.0) | 0.0 | 0.1 |
| Income Taxes - Domestic - Deferred | — | — | — | 0.2 | 0.1 | 0.1 | 0.1 | (0.0) | 0.0 | 0.1 |
| Income Taxes - Other (by Type) | — | — | — | 0.1 | — | — | — | — | — | — |
| Net Income after Tax | 2.4 | 3.0 | 2.1 | 1.7 | 1.5 | 1.8 | 1.5 | 1.6 | 1.9 | 1.9 |
| Income before Discontinued Operations & Extraordinary Items | 2.4 | 3.0 | 2.1 | 1.7 | 1.5 | 1.8 | 1.5 | 1.6 | 1.9 | 1.9 |
| Net Income before Minority Interest | 2.4 | 3.0 | 2.1 | 1.7 | 1.5 | 1.8 | 1.5 | 1.6 | 1.9 | 1.9 |
| Net Income after Minority Interest | 2.4 | 3.0 | 2.1 | 1.7 | 1.5 | 1.8 | 1.5 | 1.6 | 1.9 | 1.9 |
| Income Available to Common Shares | 2.4 | 3.0 | 2.1 | 1.7 | 1.5 | 1.8 | 1.5 | 1.6 | 1.9 | 1.9 |
| Other Comprehensive Income - Starting Line | — | — | — | 1.7 | 1.5 | 1.8 | 1.5 | 1.6 | 1.9 | — |
| Other Comprehensive Income - Unrealized Investment Gain/(Loss) | — | — | — | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.5) | — |
| Other Comprehensive Income - Net of Tax - Total | — | — | — | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.5) | — |
| Comprehensive Income before Minority Interest - Total | — | — | — | 1.7 | 1.5 | 1.8 | 1.5 | 1.6 | 1.4 | — |
| Comprehensive Income - Attributable to Parent Company Equity Holders - Total | — | — | — | 1.7 | 1.5 | 1.8 | 1.5 | 1.6 | 1.4 | — |
| DPS - Common - Gross - Issue - By Period End Date Rs | 10.77 | 10.77 | 10.77 | 10.77 | 10.77 | 10.77 | 10.77 | 10.77 | 10.77 | 10.77 |
| Net Income - Basic - including Extraordinary Items Applicable to Common - Total | 2.4 | 3.0 | 2.1 | 1.7 | 1.5 | 1.8 | 1.5 | 1.6 | 1.9 | 1.9 |
| Income available to Common excluding Extraordinary Items | 2.4 | 3.0 | 2.1 | 1.7 | 1.5 | 1.8 | 1.5 | 1.6 | 1.9 | 1.9 |
| Shares used to calculate Basic EPS - Total mn | 146.2 | 144.4 | 139.2 | 139.2 | 139.2 | 139.2 | 139.2 | 139.2 | 139.2 | 139.2 |
| EPS - Basic - including Extraordinary Items Applicable to Common - Total Rs | 16.71 | 20.68 | 14.83 | 12.15 | 10.83 | 12.82 | 11.13 | 11.36 | 13.72 | 13.45 |
| EPS - Basic - excluding Extraordinary Items Applicable to Common - Total Rs | 16.71 | 20.68 | 14.83 | 12.15 | 10.83 | 12.82 | 11.13 | 11.36 | 13.72 | 13.45 |
| EPS - Basic - excluding Extraordinary Items - Normalized - Total Rs | (122.71) | (125.62) | (28.06) | 47.87 | 58.64 | (27.08) | (10.96) | 33.33 | 107.77 | 11.80 |
| Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific | 2.4 | 3.0 | 2.1 | 1.7 | 1.5 | 1.8 | 1.5 | 1.6 | 1.9 | 1.9 |
| 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 | 146.2 | 144.4 | 139.2 | 139.2 | 139.2 | 139.2 | 139.2 | 139.2 | 139.2 | 139.2 |
| EPS - Basic - including Extraordinary Items Applicable to Common - Issue Specific Rs | 16.71 | 20.68 | 14.83 | 12.15 | 10.83 | 12.82 | 11.13 | 11.36 | 13.72 | 13.45 |
| EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific Rs | 16.71 | 20.68 | 14.83 | 12.15 | 10.83 | 12.82 | 11.13 | 11.36 | 13.72 | 13.45 |
| EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific Rs | (122.71) | (125.62) | (28.06) | 47.87 | 58.64 | (27.08) | (10.96) | 33.33 | 107.77 | 11.80 |
| 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 | — | — | — | 12.00 | 10.80 | 12.72 | 10.95 | 11.24 | 10.20 | — |
| Net Income - Diluted - including Extraordinary Items Applicable to Common - Total | 2.4 | 3.0 | 2.1 | 1.7 | 1.5 | 1.8 | 1.5 | 1.6 | 1.9 | 1.9 |
| Diluted Income available to Common excluding Extraordinary Items | 2.4 | 3.0 | 2.1 | 1.7 | 1.5 | 1.8 | 1.5 | 1.6 | 1.9 | 1.9 |
| Shares used to calculate Diluted EPS - Total mn | 146.2 | 144.4 | 139.2 | 139.2 | 139.2 | 139.2 | 139.2 | 139.2 | 139.2 | 139.2 |
| EPS - Diluted - including Extraordinary Items Applicable to Common - Total Rs | 16.71 | 20.68 | 14.83 | 12.15 | 10.83 | 12.82 | 11.13 | 11.36 | 13.72 | 13.45 |
| EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total Rs | 16.71 | 20.68 | 14.83 | 12.15 | 10.83 | 12.82 | 11.13 | 11.36 | 13.72 | 13.45 |
| EPS - Diluted - excluding Extraordinary Items - Normalized - Total Rs | (122.71) | (125.62) | (28.06) | 47.87 | 58.64 | (27.08) | (10.96) | 33.33 | 107.77 | 11.80 |
| Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue Specific | 2.4 | 3.0 | 2.1 | 1.7 | 1.5 | 1.8 | 1.5 | 1.6 | 1.9 | 1.9 |
| 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 | 146.2 | 144.4 | 139.2 | 139.2 | 139.2 | 139.2 | 139.2 | 139.2 | 139.2 | 139.2 |
| EPS - Diluted - including Extraordinary Items Applicable to Common - Issue Specific Rs | 16.71 | 20.68 | 14.83 | 12.15 | 10.83 | 12.82 | 11.13 | 11.36 | 13.72 | 13.45 |
| EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific Rs | 16.71 | 20.68 | 14.83 | 12.15 | 10.83 | 12.82 | 11.13 | 11.36 | 13.72 | 13.45 |
| EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific Rs | (122.71) | (125.62) | (28.06) | 47.87 | 58.64 | (27.08) | (10.96) | 33.33 | 107.77 | 11.80 |
| 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 | — | — | — | 12.00 | 10.80 | 12.72 | 10.95 | 11.24 | 10.20 | — |
| DPS - Common - Gross - Issue - By Announcement Date Rs | 10.77 | 10.77 | 10.77 | 10.77 | 10.77 | 10.77 | 11.31 | 10.77 | 11.31 | 7.18 |
| DPS - Common - Net - Issue - By Announcement Date Rs | 9.70 | 9.70 | 9.70 | 9.70 | 9.70 | 9.70 | 10.18 | 9.70 | 10.18 | 6.46 |
| Earnings before Interest & Taxes (EBIT) | (16.4) | (16.3) | (2.1) | 7.7 | 8.7 | (3.1) | (0.8) | 5.3 | 15.9 | 2.5 |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) | (15.5) | (15.5) | (1.5) | 8.2 | 9.2 | (2.6) | (0.3) | 5.6 | 16.1 | 2.6 |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) and Operating Lease Payments | — | — | (1.5) | 8.3 | 9.2 | (2.6) | (0.3) | 5.6 | 16.1 | 2.7 |
| Depreciation & Amortization - Supplemental | 0.9 | 0.8 | 0.5 | 0.5 | 0.5 | 0.5 | 0.5 | 0.2 | 0.2 | 0.1 |
| Depreciation Expense - Total - Supplemental | 0.7 | 0.7 | 0.5 | 0.5 | 0.5 | 0.5 | 0.5 | 0.2 | 0.2 | 0.1 |
| Depreciation - Financial Lease Right-of-Use Assets - Supplemental | 0.2 | 0.2 | 0.2 | 0.2 | 0.1 | 0.1 | 0.1 | — | — | — |
| Amortization - Total - Supplemental | 0.1 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Intangible Amortization - Other - Supplemental | 0.1 | 0.1 | 0.0 | 0.0 | 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 | 0.0 |
| Depreciation, Depletion & Amortization - Total | 0.9 | 0.8 | 0.6 | 0.5 | 0.5 | 0.5 | 0.5 | 0.2 | 0.2 | 0.1 |
| Depreciation - Total | 0.7 | 0.7 | 0.5 | 0.5 | 0.5 | 0.5 | 0.5 | 0.2 | 0.2 | 0.1 |
| Amortization of Intangible Assets including Goodwill - Total | — | — | — | — | — | — | — | — | 0.0 | 0.0 |
| Amortization of Intangible Assets excluding Goodwill - Total | 0.1 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 | 0.0 |
| Labor & Related Expenses - Total | — | — | 1.5 | 1.1 | 0.9 | 0.9 | — | — | — | 0.5 |
| Labor & Related Expenses - Supplemental | — | — | 1.5 | 1.1 | 0.9 | 0.9 | — | — | — | 0.5 |
| Auditor Fees | — | — | — | 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 |
| Fees - Other | — | — | — | 0.0 | 0.0 | — | — | — | — | — |
| Normalized after Tax Profit | (17.9) | (18.1) | (3.9) | 6.7 | 8.2 | (3.8) | (1.5) | 4.6 | 15.0 | 1.6 |
| Normalized Net Income from Continuing Operations | (17.9) | (18.1) | (3.9) | 6.7 | 8.2 | (3.8) | (1.5) | 4.6 | 15.0 | 1.6 |
| Normalized Net Income - Bottom Line | (17.9) | (18.1) | (3.9) | 6.7 | 8.2 | (3.8) | (1.5) | 4.6 | 15.0 | 1.6 |
| Earnings before Interest & Taxes (EBIT) - Normalized | (16.3) | (16.1) | (1.9) | 7.8 | 8.8 | (3.0) | (0.7) | 5.4 | 15.9 | 2.6 |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized | (15.4) | (15.3) | (1.3) | 8.3 | 9.3 | (2.5) | (0.2) | 5.6 | 16.1 | 2.7 |
| Depreciation of Financial Lease Right-of-Use Assets | 0.2 | 0.2 | 0.2 | 0.2 | 0.1 | 0.1 | 0.1 | — | — | — |
| Interest Expense on Financial Lease Liabilities - Supplemental | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | — | — | — | — | — |
| Rental/Operating Lease Expense | — | — | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Advertising Expenses - Supplemental | — | — | 0.1 | 0.1 | 0.2 | 0.1 | 0.1 | 0.2 | 0.2 | 0.2 |
| Interest Expense | 0.1 | 0.1 | 0.1 | — | — | — | — | — | — | — |
| Investment Income - Insurance | 4.3 | 4.6 | 4.7 | 5.0 | 3.6 | 2.5 | 11.6 | 6.9 | 6.4 | 15.8 |
| Losses, Benefits & Adjustments - Insurance | 49.1 | 41.1 | 32.1 | 25.5 | 23.0 | 17.9 | 15.7 | 13.1 | 14.2 | 17.8 |
| Operating Expenses | 99.2 | 96.2 | 71.7 | 50.2 | 41.7 | 50.0 | 35.7 | 28.0 | 24.4 | 37.2 |
| Premiums Ceded Out & Unearned - Total | 4.4 | 2.2 | 1.1 | 1.1 | 1.1 | 0.9 | 0.6 | 0.6 | 0.6 | — |
| Selling, General & Administrative Expenses excluding Research & Development Expenses | 4.9 | 4.4 | 3.6 | 2.8 | 2.6 | 1.9 | 1.6 | 1.6 | 1.4 | 5.6 |
| Total Claim & Loss Expense | 49.1 | 41.1 | 32.1 | 25.5 | 23.0 | 17.9 | 15.7 | 13.1 | 14.2 | 17.8 |
| Underwriting & Commissions | 10.9 | 7.5 | 6.9 | 7.6 | 7.6 | 6.6 | 7.3 | 6.8 | 5.5 | — |
| Underwriting Expenses - Insurance | 39.2 | 47.5 | 32.6 | 17.0 | 11.1 | 25.5 | 12.7 | 8.2 | 4.7 | 19.4 |
| Income before Taxes & Provision for Loan Losses | 4.0 | 5.0 | 4.0 | 2.8 | 2.1 | 2.5 | 2.4 | 2.3 | 2.8 | 2.8 |
| DPS - Common - Gross - Issue - By Payable Date Rs | 10.77 | 10.77 | 10.77 | 10.77 | 10.77 | 10.77 | 11.31 | 10.77 | 11.31 | 7.18 |
| DPS - Common - Gross - Issue - By Ex Date Rs | 10.77 | 10.77 | 10.77 | 10.77 | 10.77 | 10.77 | 11.31 | 10.77 | 11.31 | 7.18 |
| Tax Adjusted Operating Income | 2.5 | 3.0 | 2.1 | 1.7 | 1.5 | 1.8 | 1.5 | 1.6 | 1.9 | 1.9 |
| Underwriting Expenses minus Losses, Benefits & Adjustments - Insurance | (9.9) | 6.4 | 0.5 | (8.5) | (11.9) | 7.7 | (3.0) | (4.9) | (9.6) | 1.7 |
| Operating Expenses excluding Non-Cash Charges - Total | 98.3 | 95.4 | 71.1 | 49.6 | 41.2 | 49.5 | 35.2 | 27.8 | 24.2 | 37.1 |
| Premiums Earned - Total | 52.6 | 39.5 | 36.4 | 38.5 | 36.4 | 31.7 | 31.1 | 30.2 | 30.8 | 23.9 |
| Losses, Benefits & Adjustments - Total | 60.0 | 48.6 | 39.0 | 33.1 | 30.6 | 24.5 | 23.0 | 19.8 | 19.7 | 17.8 |
| Income Available to Common Shares before Depreciation & Amortization | 3.3 | 3.8 | 2.6 | 2.2 | 2.0 | 2.3 | 2.0 | 1.8 | 2.1 | 2.0 |
| Fixed Charges | 0.1 | 0.1 | 0.1 | — | — | — | — | — | — | — |
| Net Premiums Written | 52.6 | 39.5 | 36.4 | 38.5 | 36.4 | 31.7 | 31.1 | 30.2 | 30.8 | — |
| 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 | 10.77 | 10.77 | 10.77 | 10.77 | 10.77 | 10.77 | 11.31 | 10.77 | 11.31 | 7.18 |
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.