HICL Habib Insurance Company Limited
Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026
Last close · 16 Oct 2026
Rs 7.91 +0.13%
Annual · FY2006 – FY2025
Habib Insurance Company Limited (HICL) income statement
Habib Insurance Company Limited reported total income of Rs 2.1 bn for FY2025 (Jan – Dec 2025), up 7.5% on FY2024. Tax of Rs 51.0 mn took 30.2% of pre-tax profit. Profit attributable to shareholders was Rs 118.0 mn, down 50.2% on FY2024, or Rs 0.59 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 | 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 | 1,697.0 | 1,492.4 | 1,505.7 | 1,228.0 | 806.2 | (3.9) | (2.2) | 532.1 | 556.0 | 544.7 | 500.4 | 458.7 | 438.3 | 356.8 | 357.3 | 341.9 | — | 347.8 | 297.7 | 239.9 |
| Investment income (net) | 401.3 | 459.1 | 305.2 | 124.6 | 141.0 | 94.1 | 94.8 | 196.7 | 215.2 | 238.6 | 199.6 | 91.3 | 107.4 | 204.4 | 117.4 | 149.4 | 184.9 | (390.5) | 443.3 | 604.1 |
| Total income | 2,098.2 | 1,951.4 | 1,810.9 | 1,437.8 | 991.2 | 140.7 | 152.7 | 807.1 | 830.4 | 845.1 | 745.1 | 573.6 | 547.9 | 640.3 | 537.7 | 544.0 | 543.9 | 7.4 | 779.3 | 872.2 |
| Net claims & benefits | (1,071.2) | (934.3) | (951.9) | (627.3) | (380.3) | (355.9) | (417.8) | (312.5) | (373.7) | (281.6) | (221.7) | (221.5) | (215.0) | (229.9) | (231.2) | (183.8) | (175.7) | (202.2) | (217.2) | (122.4) |
| Acquisition & underwriting expenses | — | — | — | — | — | — | — | — | 20.3 | (14.2) | (5.9) | 1.3 | (1.5) | — | — | — | — | — | — | — |
| Profit before tax | 169.0 | 375.5 | 159.7 | 141.2 | 147.7 | 89.0 | 97.2 | 157.9 | 162.7 | 285.1 | 258.5 | 292.8 | 270.4 | 209.7 | 149.0 | 192.2 | 211.3 | (379.4) | 407.5 | 605.8 |
| Taxation | (51.0) | (138.7) | (47.0) | (30.1) | (40.6) | (27.4) | (27.1) | (52.6) | (52.8) | (93.4) | (31.7) | (32.8) | (26.4) | (14.8) | (22.7) | (32.0) | (6.6) | (3.4) | (3.0) | (8.0) |
| Profit after tax | 118.0 | 236.9 | 112.8 | 111.1 | 107.0 | 61.7 | 70.1 | 105.3 | 110.0 | 191.7 | 226.9 | 260.0 | 244.0 | 195.0 | 126.3 | 160.2 | 204.7 | (382.8) | 404.5 | 597.8 |
| Profit attributable to shareholders | 118.0 | 236.9 | 112.8 | 111.1 | 107.0 | 61.7 | 70.1 | 105.3 | 110.0 | 191.7 | 226.9 | 260.0 | 244.0 | 195.0 | 126.3 | 160.2 | 204.7 | (382.8) | 404.5 | 597.8 |
| Per share | ||||||||||||||||||||
| EPS – basic (Rs) Rs | 0.59 | 1.18 | 0.56 | 0.56 | 0.54 | 0.31 | 0.35 | 0.53 | 0.55 | 0.96 | 1.13 | 1.30 | 1.22 | 0.97 | 0.63 | 0.80 | 1.02 | (1.91) | 2.02 | 2.99 |
| Dividend per share (Rs) Rs | 0.39 | 0.62 | 0.39 | 0.39 | 0.39 | 0.31 | 0.31 | 0.46 | 0.46 | 1.08 | 1.08 | 1.24 | 0.62 | 0.87 | 0.62 | 0.50 | 0.70 | 0.22 | 1.07 | 0.71 |
| 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 | +13.7% | -0.9% | +22.6% | +52.3% | — | — | -100.4% | -4.3% | +2.1% | +8.9% | +9.1% | +4.7% | +22.8% | -0.1% | +4.5% | — | — | +16.8% | +24.1% | — |
| Investment income (net) | -12.6% | +50.4% | +145.0% | -11.7% | +49.8% | -0.7% | -51.8% | -8.6% | -9.8% | +19.5% | +118.6% | -15.0% | -47.4% | +74.1% | -21.4% | -19.2% | — | -188.1% | -26.6% | — |
| Total income | +7.5% | +7.8% | +25.9% | +45.1% | +604.5% | -7.9% | -81.1% | -2.8% | -1.7% | +13.4% | +29.9% | +4.7% | -14.4% | +19.1% | -1.2% | +0.0% | +7,221.7% | -99.0% | -10.7% | — |
| Net claims & benefits | +14.6% | -1.8% | +51.7% | +65.0% | +6.8% | -14.8% | +33.7% | -16.4% | +32.7% | +27.0% | +0.1% | +3.0% | -6.5% | -0.6% | +25.8% | +4.6% | -13.1% | -6.9% | +77.4% | — |
| Acquisition & underwriting expenses | — | — | — | — | — | — | — | — | -243.1% | +142.6% | — | -182.7% | — | — | — | — | — | — | — | — |
| Profit before tax | -55.0% | +135.1% | +13.1% | -4.4% | +65.8% | -8.4% | -38.4% | -3.0% | -42.9% | +10.3% | -11.7% | +8.3% | +28.9% | +40.7% | -22.4% | -9.0% | — | -193.1% | -32.7% | — |
| Taxation | -63.2% | +195.3% | +56.0% | -25.9% | +48.4% | +0.9% | -48.4% | -0.3% | -43.5% | +194.8% | -3.4% | +24.4% | +78.7% | -35.1% | -29.0% | +388.7% | +95.5% | +11.7% | -62.5% | — |
| Profit after tax | -50.2% | +110.0% | +1.5% | +3.8% | +73.6% | -12.0% | -33.4% | -4.2% | -42.6% | -15.5% | -12.7% | +6.6% | +25.1% | +54.4% | -21.1% | -21.8% | — | -194.6% | -32.3% | — |
| Profit attributable to shareholders | -50.2% | +110.0% | +1.5% | +3.8% | +73.6% | -12.0% | -33.4% | -4.2% | -42.6% | -15.5% | -12.7% | +6.6% | +25.1% | +54.4% | -21.1% | -21.8% | — | -194.6% | -32.3% | — |
| Per share | ||||||||||||||||||||
| EPS – basic (Rs) | -50.1% | +109.8% | +1.5% | +3.8% | +73.6% | -12.0% | -33.4% | -4.2% | -42.6% | -15.5% | -12.7% | +6.6% | +25.1% | +54.4% | -21.1% | -21.8% | — | -194.6% | -32.3% | — |
| Dividend per share (Rs) | -37.5% | +60.0% | 0.0% | 0.0% | +25.0% | 0.0% | -33.3% | 0.0% | -57.1% | 0.0% | -12.5% | +100.0% | -28.6% | +40.0% | +23.7% | -28.6% | +215.0% | -79.2% | +49.6% | — |
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 | 80.9% | 76.5% | 83.1% | 85.4% | 81.3% | (2.8%) | (1.5%) | 65.9% | 66.9% | 64.5% | 67.2% | 80.0% | 80.0% | 55.7% | 66.5% | 62.9% | — | 4,681.7% | 38.2% | 27.5% |
| Investment income (net) | 19.1% | 23.5% | 16.9% | 8.7% | 14.2% | 66.9% | 62.1% | 24.4% | 25.9% | 28.2% | 26.8% | 15.9% | 19.6% | 31.9% | 21.8% | 27.5% | 34.0% | (5,256.8%) | 56.9% | 69.3% |
| 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 | (51.1%) | (47.9%) | (52.6%) | (43.6%) | (38.4%) | (253.0%) | (273.6%) | (38.7%) | (45.0%) | (33.3%) | (29.8%) | (38.6%) | (39.2%) | (35.9%) | (43.0%) | (33.8%) | (32.3%) | (2,722.0%) | (27.9%) | (14.0%) |
| Acquisition & underwriting expenses | — | — | — | — | — | — | — | — | 2.4% | (1.7%) | (0.8%) | 0.2% | (0.3%) | — | — | — | — | — | — | — |
| Profit before tax | 8.1% | 19.2% | 8.8% | 9.8% | 14.9% | 63.3% | 63.7% | 19.6% | 19.6% | 33.7% | 34.7% | 51.0% | 49.3% | 32.8% | 27.7% | 35.3% | 38.8% | (5,107.6%) | 52.3% | 69.5% |
| Taxation | (2.4%) | (7.1%) | (2.6%) | (2.1%) | (4.1%) | (19.5%) | (17.8%) | (6.5%) | (6.4%) | (11.1%) | (4.3%) | (5.7%) | (4.8%) | (2.3%) | (4.2%) | (5.9%) | (1.2%) | (45.1%) | (0.4%) | (0.9%) |
| Profit after tax | 5.6% | 12.1% | 6.2% | 7.7% | 10.8% | 43.8% | 45.9% | 13.0% | 13.2% | 22.7% | 30.4% | 45.3% | 44.5% | 30.5% | 23.5% | 29.4% | 37.6% | (5,152.8%) | 51.9% | 68.5% |
| Profit attributable to shareholders | 5.6% | 12.1% | 6.2% | 7.7% | 10.8% | 43.8% | 45.9% | 13.0% | 13.2% | 22.7% | 30.4% | 45.3% | 44.5% | 30.5% | 23.5% | 29.4% | 37.6% | (5,152.8%) | 51.9% | 68.5% |
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 110
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Premiums Earned | 1,697.0 | 1,492.4 | 1,505.7 | 1,228.0 | 806.2 | (3.9) | (2.2) | 532.1 | 556.0 | 544.7 |
| Premiums Ceded Out & Unearned - Reinsurance | — | — | — | — | — | 3.9 | 2.2 | — | — | — |
| Premiums Ceded Out to Reinsurance - Unearned | — | — | — | — | — | 3.9 | 2.2 | — | — | — |
| Fees & Commissions Income | — | — | — | 85.3 | 44.0 | 50.5 | 60.1 | 78.4 | 59.2 | 61.8 |
| Fees & Commissions Expense | 71.4 | 5.6 | 32.5 | — | — | — | — | — | — | — |
| Investment Income/(Expense) - Net - Insurance | 401.3 | 459.1 | 305.2 | 124.6 | 141.0 | 94.1 | 94.8 | 196.7 | 215.2 | 238.6 |
| Revenue from Business-Related Activities - Other - Total | — | — | — | 85.3 | 44.0 | 50.5 | 60.1 | 78.4 | 59.2 | 61.8 |
| Revenue from Business Activities - Total | 2,098.2 | 1,951.4 | 1,810.9 | 1,437.8 | 991.2 | 140.7 | 152.7 | 807.1 | 830.4 | 845.1 |
| Insurance Claims/Reserves - Total | 1,071.2 | 934.3 | 951.9 | 627.3 | 380.3 | 355.9 | 417.8 | 312.5 | 373.7 | 281.6 |
| Insurance Benefits Paid - Current | 1,071.2 | 934.3 | 951.9 | 627.3 | 380.3 | 355.9 | 417.8 | 312.5 | 373.7 | 281.6 |
| Selling, General & Administrative Expenses - Total | 763.9 | 774.7 | 764.8 | 706.8 | 498.4 | 334.1 | 315.5 | 251.3 | 245.7 | 231.9 |
| Selling, General & Administrative Expenses - Unclassified | — | — | — | — | — | 298.8 | 55.4 | 52.0 | — | — |
| Depreciation in Selling, General & Administrative Expenses | — | — | — | — | — | 33.6 | 31.2 | 8.7 | — | — |
| Amortization of Intangibles in Selling, General & Administrative Expenses | — | — | — | — | — | 1.6 | 1.7 | — | — | — |
| Underwriting Expenses | — | — | — | — | — | — | — | — | (20.3) | 14.2 |
| Other Operating Expense/(Income) - Net | 27.0 | (24.6) | (59.1) | (1.4) | 28.1 | 95.3 | 84.7 | 90.1 | 76.5 | 73.5 |
| Unclassified Underwriting Expense - Other | — | — | — | — | — | — | — | — | (20.3) | 14.2 |
| Operating Expenses - Total | 1,933.4 | 1,690.0 | 1,690.2 | 1,332.6 | 906.8 | 785.2 | 817.9 | 653.9 | 675.6 | 601.1 |
| Labor & Related Expenses including Stock-Based Compensation in Selling, General & Administrative Expenses | — | — | — | — | — | — | 225.0 | 180.1 | — | — |
| Selling, General & Administrative Expenses - Other - Total | — | — | — | — | — | — | 2.2 | 10.5 | — | — |
| Advertising Expense | — | — | — | — | — | — | 0.8 | 1.4 | — | — |
| Operating Profit before Non-Recurring Income/(Expense) | 164.9 | 261.4 | 120.7 | 105.2 | 84.4 | (644.5) | (665.2) | 153.2 | 154.9 | 244.0 |
| Interest Expense - Net of Capitalized Interest | 6.1 | 8.1 | 9.1 | 3.3 | 10.9 | 16.8 | 14.6 | 3.8 | — | — |
| Sale of Tangible & Intangible Fixed Assets - Gain/Loss | 0.1 | 0.8 | 0.2 | 2.1 | 61.4 | 3.6 | 0.4 | — | — | — |
| Other Non-Operating Income/(Expense) - Total | 10.2 | 121.3 | 48.0 | 37.2 | 12.9 | 8.1 | 21.1 | 8.6 | 7.8 | 41.1 |
| Normalized Pre-tax Profit | 169.0 | 375.4 | 159.7 | 141.2 | 147.7 | (649.6) | (658.4) | 157.9 | 162.7 | 285.1 |
| Non-Recurring Income/Expense - Total | — | 0.2 | — | — | — | — | — | — | — | — |
| Early Extinguishment of Lease Related Debts - Gain/(Loss) | — | 0.2 | — | — | — | — | — | — | — | — |
| Provision for Income Tax Expense- Unclassified | 51.0 | 138.7 | 47.0 | 30.1 | 40.6 | 27.4 | — | — | — | — |
| Income before Taxes | 169.0 | 375.5 | 159.7 | 141.2 | 147.7 | 89.0 | 97.2 | 157.9 | 162.7 | 285.1 |
| Income Taxes | 51.0 | 138.7 | 47.0 | 30.1 | 40.6 | 27.4 | 27.1 | 52.6 | 52.8 | 93.4 |
| Income Taxes for the Year - Current | — | — | — | — | — | — | 34.1 | 36.5 | 49.1 | 90.0 |
| Income Taxes - Deferred | — | — | — | — | — | — | (6.9) | 16.1 | 3.7 | 3.6 |
| Income Taxes - Other (by Type) | — | — | — | — | — | — | — | — | — | (0.2) |
| Net Income after Tax | 118.0 | 236.9 | 112.8 | 111.1 | 107.0 | 61.7 | 70.1 | 105.3 | 110.0 | 191.7 |
| Income before Discontinued Operations & Extraordinary Items | 118.0 | 236.9 | 112.8 | 111.1 | 107.0 | 61.7 | 70.1 | 105.3 | 110.0 | 191.7 |
| Net Income before Minority Interest | 118.0 | 236.9 | 112.8 | 111.1 | 107.0 | 61.7 | 70.1 | 105.3 | 110.0 | 191.7 |
| Net Income after Minority Interest | 118.0 | 236.9 | 112.8 | 111.1 | 107.0 | 61.7 | 70.1 | 105.3 | 110.0 | 191.7 |
| Income Available to Common Shares | 118.0 | 236.9 | 112.8 | 111.1 | 107.0 | 61.7 | 70.1 | 105.3 | 110.0 | 191.7 |
| DPS - Common - Gross - Issue - By Period End Date Rs | 0.39 | 0.62 | 0.39 | 0.39 | 0.39 | 0.31 | 0.31 | 0.46 | 0.46 | 1.08 |
| Net Income - Basic - including Extraordinary Items Applicable to Common - Total | 118.0 | 236.9 | 112.8 | 111.1 | 107.0 | 61.7 | 70.1 | 105.3 | 110.0 | 191.7 |
| Income available to Common excluding Extraordinary Items | 118.0 | 236.9 | 112.8 | 111.1 | 107.0 | 61.7 | 70.1 | 105.3 | 110.0 | 191.7 |
| Shares used to calculate Basic EPS - Total mn | 200.0 | 200.2 | 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 | 0.59 | 1.18 | 0.56 | 0.56 | 0.54 | 0.31 | 0.35 | 0.53 | 0.55 | 0.96 |
| EPS - Basic - excluding Extraordinary Items Applicable to Common - Total Rs | 0.59 | 1.18 | 0.56 | 0.56 | 0.54 | 0.31 | 0.35 | 0.53 | 0.55 | 0.96 |
| EPS - Basic - excluding Extraordinary Items - Normalized - Total Rs | 0.59 | 1.18 | 0.56 | 0.56 | 0.54 | 0.31 | 0.35 | 0.53 | 0.55 | 0.96 |
| Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific | 118.0 | 236.9 | 112.8 | 111.1 | 107.0 | 61.7 | 70.1 | 105.3 | 110.0 | 191.7 |
| 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 | 200.2 | 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 | 0.59 | 1.18 | 0.56 | 0.56 | 0.54 | 0.31 | 0.35 | 0.53 | 0.55 | 0.96 |
| EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific Rs | 0.59 | 1.18 | 0.56 | 0.56 | 0.54 | 0.31 | 0.35 | 0.53 | 0.55 | 0.96 |
| EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific Rs | 0.59 | 1.18 | 0.56 | 0.56 | 0.54 | 0.31 | 0.35 | 0.53 | 0.55 | 0.96 |
| 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 |
| Net Income - Diluted - including Extraordinary Items Applicable to Common - Total | 118.0 | 236.9 | 112.8 | 111.1 | 107.0 | 61.7 | 70.1 | 105.3 | 110.0 | 191.7 |
| Diluted Income available to Common excluding Extraordinary Items | 118.0 | 236.9 | 112.8 | 111.1 | 107.0 | 61.7 | 70.1 | 105.3 | 110.0 | 191.7 |
| Shares used to calculate Diluted EPS - Total mn | 200.0 | 200.2 | 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 | 0.59 | 1.18 | 0.56 | 0.56 | 0.54 | 0.31 | 0.35 | 0.53 | 0.55 | 0.96 |
| EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total Rs | 0.59 | 1.18 | 0.56 | 0.56 | 0.54 | 0.31 | 0.35 | 0.53 | 0.55 | 0.96 |
| EPS - Diluted - excluding Extraordinary Items - Normalized - Total Rs | 0.59 | 1.18 | 0.56 | 0.56 | 0.54 | 0.31 | 0.35 | 0.53 | 0.55 | 0.96 |
| Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue Specific | 118.0 | 236.9 | 112.8 | 111.1 | 107.0 | 61.7 | 70.1 | 105.3 | 110.0 | 191.7 |
| 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 | 200.2 | 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 | 0.59 | 1.18 | 0.56 | 0.56 | 0.54 | 0.31 | 0.35 | 0.53 | 0.55 | 0.96 |
| EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific Rs | 0.59 | 1.18 | 0.56 | 0.56 | 0.54 | 0.31 | 0.35 | 0.53 | 0.55 | 0.96 |
| EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific Rs | 0.59 | 1.18 | 0.56 | 0.56 | 0.54 | 0.31 | 0.35 | 0.53 | 0.55 | 0.96 |
| 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 |
| DPS - Common - Gross - Issue - By Announcement Date Rs | 0.62 | 0.39 | 0.39 | 0.39 | 0.31 | 0.31 | 0.46 | 0.46 | 1.08 | 1.08 |
| DPS - Common - Net - Issue - By Announcement Date Rs | 0.56 | 0.35 | 0.35 | 0.35 | 0.28 | 0.28 | 0.42 | 0.42 | 0.98 | 0.98 |
| Earnings before Interest & Taxes (EBIT) | 164.9 | 261.4 | 120.7 | 105.2 | 84.4 | (644.5) | (665.2) | 153.2 | 154.9 | 244.0 |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) | 197.7 | 293.3 | 147.6 | 123.8 | 118.4 | (609.3) | (632.4) | 165.6 | 162.4 | 251.0 |
| Depreciation & Amortization - Supplemental | 32.8 | 31.9 | 26.9 | 18.6 | 34.0 | 35.3 | 32.9 | 12.4 | 7.5 | 7.0 |
| Depreciation Expense - Total - Supplemental | 29.9 | 30.7 | 26.6 | 18.4 | 33.0 | 33.6 | 31.2 | 10.7 | — | — |
| Depreciation - Financial Lease Right-of-Use Assets - Supplemental | 13.8 | 15.0 | 14.4 | 9.8 | 23.8 | 25.4 | 23.4 | 4.6 | — | — |
| Amortization - Total - Supplemental | 2.9 | 1.1 | 0.2 | 0.2 | 1.0 | 1.6 | 1.7 | 1.7 | — | — |
| Intangible Amortization - Other - Supplemental | 2.9 | 1.1 | 0.2 | 0.2 | 1.0 | 1.6 | 1.7 | 1.7 | — | — |
| Amortization of Computer Software - Supplemental | 2.9 | 1.1 | 0.2 | 0.2 | 1.0 | 1.6 | 1.7 | 1.7 | — | — |
| Depreciation, Depletion & Amortization - Total | 32.8 | 31.9 | 26.9 | 18.6 | 34.0 | 35.3 | 32.9 | 12.4 | 7.5 | 7.0 |
| Depreciation - Total | 29.9 | 30.7 | 26.6 | 18.4 | 33.0 | 33.6 | 31.2 | 10.7 | — | — |
| Amortization of Intangible Assets excluding Goodwill - Total | 2.9 | 1.1 | 0.2 | 0.2 | 1.0 | 1.6 | 1.7 | 1.7 | — | — |
| Labor & Related Expenses - Total | — | — | — | — | — | — | 225.0 | 180.1 | — | — |
| Labor & Related Expenses - Supplemental | — | — | — | — | — | — | 225.0 | 180.1 | — | — |
| Normalized after Tax Profit | 118.0 | 236.7 | 112.8 | 111.1 | 107.0 | 61.7 | 70.1 | 105.3 | 110.0 | 191.7 |
| Normalized Net Income from Continuing Operations | 118.0 | 236.7 | 112.8 | 111.1 | 107.0 | 61.7 | 70.1 | 105.3 | 110.0 | 191.7 |
| Normalized Net Income - Bottom Line | 118.0 | 236.7 | 112.8 | 111.1 | 107.0 | 61.7 | 70.1 | 105.3 | 110.0 | 191.7 |
| Earnings before Interest & Taxes (EBIT) - Normalized | 175.1 | 383.5 | 168.9 | 144.5 | 158.6 | (632.9) | (643.8) | 161.7 | 162.7 | 285.1 |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized | 208.0 | 415.4 | 195.7 | 163.1 | 192.6 | (597.6) | (610.9) | 174.1 | 170.3 | 292.1 |
| Depreciation of Financial Lease Right-of-Use Assets | 13.8 | 15.0 | 14.4 | 9.8 | 23.8 | 25.4 | 23.4 | 4.6 | — | — |
| Interest Expense on Financial Lease Liabilities - Supplemental | 3.9 | 4.7 | 6.0 | 3.2 | 10.8 | 13.5 | — | — | — | — |
| Advertising Expenses - Supplemental | — | — | — | — | — | — | 0.8 | 1.4 | — | — |
| Interest Expense | 6.1 | 8.1 | 9.1 | 3.3 | 10.9 | 16.8 | 14.6 | 3.8 | — | — |
| Investment Income - Insurance | 401.3 | 459.1 | 305.2 | 124.6 | 141.0 | 94.1 | 94.8 | 196.7 | 215.2 | 238.6 |
| Losses, Benefits & Adjustments - Insurance | 1,071.2 | 934.3 | 951.9 | 627.3 | 380.3 | 355.9 | 417.8 | 312.5 | 373.7 | 281.6 |
| Operating Expenses | 1,933.4 | 1,690.0 | 1,690.2 | 1,332.6 | 906.8 | 785.2 | 817.9 | 653.9 | 675.6 | 601.1 |
| Premiums Ceded Out & Unearned - Total | — | — | — | — | — | 3.9 | 2.2 | — | — | — |
| Selling, General & Administrative Expenses excluding Research & Development Expenses | 763.9 | 774.7 | 764.8 | 706.8 | 498.4 | 334.1 | 315.5 | 251.3 | 245.7 | 231.9 |
| Total Claim & Loss Expense | 1,071.2 | 934.3 | 951.9 | 627.3 | 380.3 | 355.9 | 417.8 | 312.5 | 373.7 | 281.6 |
| Underwriting & Commissions | — | — | — | — | — | — | — | — | (20.3) | 14.2 |
| Underwriting Expenses - Insurance | 862.2 | 755.7 | 738.3 | 705.3 | 526.5 | 429.3 | 400.2 | 341.4 | 322.2 | 305.3 |
| Income before Taxes & Provision for Loan Losses | 169.0 | 375.5 | 159.7 | 141.2 | 147.7 | 89.0 | 97.2 | 157.9 | 162.7 | 285.1 |
| DPS - Common - Gross - Issue - By Payable Date Rs | 0.62 | 0.39 | 0.39 | 0.39 | 0.31 | 0.31 | 0.46 | 0.46 | 1.08 | 1.08 |
| DPS - Common - Gross - Issue - By Ex Date Rs | 0.62 | 0.39 | 0.39 | 0.39 | 0.31 | 0.31 | 0.46 | 0.46 | 1.08 | 1.08 |
| Tax Adjusted Operating Income | 122.3 | 241.9 | 119.2 | 113.7 | 114.9 | 73.3 | 80.6 | 107.8 | 110.0 | 191.7 |
| Underwriting Expenses minus Losses, Benefits & Adjustments - Insurance | (208.9) | (178.6) | (213.6) | 78.0 | 146.3 | 73.4 | (17.6) | 29.0 | (51.5) | 23.8 |
| Operating Expenses excluding Non-Cash Charges - Total | 1,900.5 | 1,658.1 | 1,663.3 | 1,314.0 | 872.8 | 750.0 | 785.1 | 641.5 | 668.0 | 594.1 |
| Premiums Earned - Total | 1,697.0 | 1,492.4 | 1,505.7 | 1,313.3 | 850.1 | 46.6 | 57.9 | 610.4 | 615.2 | 606.5 |
| Losses, Benefits & Adjustments - Total | 1,071.2 | 934.3 | 951.9 | 627.3 | 380.3 | 355.9 | 417.8 | 312.5 | 353.4 | 295.8 |
| Income Available to Common Shares before Depreciation & Amortization | 150.9 | 268.7 | 139.6 | 129.7 | 141.1 | 96.9 | 102.9 | 117.7 | 117.5 | 198.7 |
| Fixed Charges | 6.1 | 8.1 | 9.1 | 3.3 | 10.9 | 16.8 | 14.6 | 3.8 | — | — |
| 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 | 0.62 | 0.39 | 0.39 | 0.39 | 0.31 | 0.31 | 0.46 | 0.46 | 1.08 | 1.08 |
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.