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IGIHL IGI Holdings Limited

Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026

Last close · 16 Oct 2026

Rs 251.50 +0.44%

Annual · FY2006 – FY2025

IGI Holdings Limited (IGIHL) income statement

IGI Holdings Limited reported total income of Rs 26.9 bn for FY2025 (Jan – Dec 2025), up 5.4% on FY2024. Tax of Rs 2.4 bn took 82.3% of pre-tax profit. Profit attributable to shareholders was Rs 5.2 bn, up 651.7% on FY2024, or Rs 36.68 per share.

IGIHL income statement (annual) (Rs bn)
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 19.3 18.0 12.2 9.2 9.5 8.3 7.0 6.9 7.3 8.8 2.9 2.7 1.1 0.9 0.9 0.7 0.6 0.5 0.6 0.4
Investment income (net) 5.1 5.6 4.9 3.8 2.9 2.9 2.9 2.7 3.2 2.7 2.7 1.9 0.7 0.4 0.5 0.9 (0.4) (0.2) 3.0 7.3
Total income 26.9 25.5 18.2 13.4 12.9 11.7 10.2 9.6 10.6 12.9 7.7 4.6 1.8 1.4 1.4 1.7 0.2 0.4 3.6 7.8
Net claims & benefits (14.3) (7.8) (6.3) (7.3) (6.4) (5.4) (6.0) (6.3) (5.3) (3.9) (3.2) (3.0) (0.8) (0.6) (0.5) (0.4) (0.3) (0.2) (0.3) (0.2)
Acquisition & underwriting expenses (2.4) (9.0) (3.6) 0.3 (0.7) (1.3) 0.1 0.6 (0.7) (5.3) (1.4) 0.4 0.0 — — — — — — —
Profit before tax 2.9 2.6 2.2 1.9 1.0 0.9 0.8 1.2 2.4 2.0 1.6 1.0 0.5 (0.6) 0.6 1.0 (0.4) (0.3) 3.0 7.3
Taxation (2.4) (1.1) (1.7) (1.1) (0.6) (0.5) (0.3) (0.5) (0.8) (0.9) (0.4) (0.2) (0.1) (0.0) (0.0) (0.1) (0.1) 0.0 (0.1) (0.0)
Profit after tax 0.5 1.5 0.6 0.8 0.5 0.4 0.5 0.7 1.5 1.2 1.2 0.8 0.4 (0.6) 0.5 0.9 (0.5) (0.2) 2.9 7.3
Profit attributable to shareholders 5.2 0.7 3.9 2.9 2.7 1.7 0.7 1.0 4.3 2.5 2.0 1.4 0.8 (0.4) 0.0 0.8 0.3 (0.4) 2.9 7.3
Per share
EPS – basic (Rs) Rs 36.68 4.88 27.25 20.14 18.58 12.18 4.80 6.91 30.22 17.38 13.87 9.86 5.51 (2.51) 0.35 5.93 1.87 (2.67) 20.76 52.04
Dividend per share (Rs) Rs 8.00 6.00 6.00 4.25 5.50 5.00 3.00 5.61 3.48 6.96 5.22 2.61 1.98 2.37 3.75 1.53 1.49 0.64 0.99 0.57
IGIHL income statement — year-on-year change (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 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 +7.5% +47.7% +32.1% -3.5% +15.2% +17.5% +2.7% -5.4% -17.7% +199.6% +9.1% +152.9% +13.5% +10.3% +18.3% +17.3% +13.3% -10.6% +42.2% —
Investment income (net) -9.1% +13.6% +31.3% +31.5% -0.3% -0.8% +6.7% -14.6% +15.9% +0.0% +45.7% +178.5% +67.3% -18.3% -47.0% — — -105.2% -58.8% —
Total income +5.4% +40.4% +35.6% +4.3% +9.8% +15.5% +5.6% -9.3% -17.8% +67.9% +67.6% +161.3% +28.5% -0.1% -18.2% +667.2% -45.7% -89.0% -53.1% —
Net claims & benefits +83.5% +23.8% -14.0% +14.3% +18.9% -9.7% -4.6% +18.0% +36.6% +22.0% +7.9% +284.9% +31.4% +10.0% +45.6% +41.8% +6.7% -30.7% +86.0% —
Acquisition & underwriting expenses -73.8% +147.6% — -135.6% -41.0% — — -188.5% -86.5% +271.4% — — — — — — — — — —
Profit before tax +12.5% +16.0% +17.6% +81.5% +11.7% +12.7% -29.8% -49.9% +16.4% +30.4% +55.6% +114.2% — -200.5% -43.8% — — -108.4% -59.6% —
Taxation +119.4% -33.6% +49.0% +94.4% +13.6% +73.7% -43.7% -38.6% -4.3% +132.1% +96.0% +94.9% +768.6% +63.5% -91.8% -16.5% — -150.2% +266.0% —
Profit after tax -65.5% +154.7% -26.0% +66.3% +9.5% -19.7% -19.2% -56.0% +31.8% -1.9% +46.0% +119.3% — -203.9% -39.3% — — -107.7% -60.3% —
Profit attributable to shareholders +651.7% -82.1% +35.3% +8.4% +52.5% +153.9% -30.5% -76.9% +73.8% +25.4% +40.7% +78.9% — -811.9% -94.1% +216.9% — -112.9% -60.1% —
Per share
EPS – basic (Rs) +651.7% -82.1% +35.3% +8.4% +52.5% +153.9% -30.6% -77.1% +73.8% +25.4% +40.7% +78.9% — -811.9% -94.1% +216.9% — -112.9% -60.1% —
Dividend per share (Rs) +33.3% 0.0% +41.2% -22.7% +10.0% +66.7% -46.5% +61.2% -50.0% +33.3% +100.0% +32.0% -16.7% -36.7% +145.2% +2.9% +133.3% -35.7% +75.0% —

Change against the previous fiscal year; shown when the earlier figure is positive.

IGIHL income statement — common size (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 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 71.7% 70.3% 66.8% 68.5% 74.1% 70.6% 69.4% 71.3% 68.4% 68.4% 38.3% 58.9% 60.9% 68.9% 62.5% 43.2% 282.6% 135.5% 16.7% 5.5%
Investment income (net) 18.9% 21.9% 27.1% 28.0% 22.2% 24.4% 28.4% 28.1% 29.9% 21.2% 35.6% 40.9% 38.4% 29.5% 36.1% 55.7% (190.6%) (39.3%) 83.1% 94.5%
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 (53.2%) (30.5%) (34.6%) (54.6%) (49.8%) (46.0%) (58.8%) (65.1%) (50.1%) (30.1%) (41.5%) (64.4%) (43.7%) (42.8%) (38.9%) (21.8%) (118.2%) (60.2%) (9.6%) (2.4%)
Acquisition & underwriting expenses (8.8%) (35.3%) (20.0%) 2.0% (5.7%) (10.7%) 1.4% 6.6% (6.8%) (41.4%) (18.7%) 8.0% 0.0% — — — — — — —
Profit before tax 10.9% 10.2% 12.3% 14.2% 8.2% 8.0% 8.2% 12.4% 22.3% 15.8% 20.3% 21.9% 26.7% (40.9%) 40.6% 59.2% (163.9%) (62.5%) 81.5% 94.6%
Taxation (8.9%) (4.3%) (9.1%) (8.3%) (4.4%) (4.3%) (2.8%) (5.3%) (7.9%) (6.8%) (4.9%) (4.2%) (5.6%) (0.8%) (0.5%) (5.0%) (46.3%) 6.8% (1.5%) (0.2%)
Profit after tax 1.9% 5.9% 3.2% 5.9% 3.7% 3.7% 5.4% 7.0% 14.5% 9.0% 15.4% 17.7% 21.1% (41.7%) 40.1% 54.1% (210.3%) (55.7%) 80.0% 94.4%
Profit attributable to shareholders 19.4% 2.7% 21.4% 21.4% 20.6% 14.8% 6.7% 10.2% 40.2% 19.0% 25.5% 30.4% 44.4% (26.0%) 3.6% 50.1% 121.4% (94.2%) 80.5% 94.6%

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 134
IGIHL income statement — all reported line items (Rs bn)
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 19.3 18.0 12.2 9.2 9.5 8.3 7.0 6.9 7.3 8.8
Fees & Commissions Income 1.3 1.0 0.6 0.5 0.5 0.3 0.2 0.1 0.1 0.0
Fees & Commissions Expense 2.4 2.3 2.5 1.9 2.2 1.8 1.0 0.7 0.6 0.6
Investment Income/(Expense) - Net - Insurance 5.1 5.6 4.9 3.8 2.9 2.9 2.9 2.7 3.2 2.7
Investments & Loans - Business - Gain/(Loss) 1.2 1.0 0.5 (0.0) (0.1) 0.3 0.0 (0.1) 0.0 1.3
Investment Income - Gross - Insurance - Total 5.1 5.6 4.9 3.8 2.9 2.9 2.9 2.7 3.2 2.7
Investment Securities - Business - Gain/(Loss) 0.0 0.1 0.0 — — — — — — —
Revenue from Business-Related Activities - Other - Total 1.3 1.0 0.6 0.5 0.5 0.3 0.2 0.1 0.1 0.0
Revenue from Business Activities - Total 26.9 25.5 18.2 13.4 12.9 11.7 10.2 9.6 10.6 12.9
Insurance Claims/Reserves - Total 14.3 7.8 6.3 7.3 6.4 5.4 6.0 6.3 5.3 3.9
Insurance Benefits Paid - Current 14.3 7.8 6.3 7.3 6.4 5.4 6.0 6.3 5.3 3.9
Selling, General & Administrative Expenses - Total 4.0 3.6 2.9 2.2 2.1 1.9 2.1 1.7 1.4 1.2
Selling, General & Administrative Expenses - Unclassified 1.4 1.2 0.9 0.6 0.6 0.5 0.7 0.6 0.5 0.4
Depreciation in Selling, General & Administrative Expenses 0.3 0.3 0.3 0.3 0.3 0.3 0.2 0.1 0.1 0.1
Underwriting Expenses 2.4 9.0 3.6 (0.3) 0.7 1.3 (0.1) (0.6) 0.7 5.3
Policy Acquisition Costs - Total 2.4 9.0 3.6 (0.3) 0.7 1.3 (0.1) (0.6) 0.7 5.3
Other Operating Expense/(Income) - Net 0.2 0.2 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.0
Other Operating Income - Total — — 0.0 — — — — — — —
Policy Acquisition Costs - Other 2.4 9.0 3.6 (0.3) 0.7 1.3 (0.1) (0.6) 0.7 5.3
Operating Expenses - Total 23.4 22.8 15.4 11.3 11.5 10.5 9.0 8.2 8.1 11.0
Labor & Related Expenses including Stock-Based Compensation in Selling, General & Administrative Expenses 2.0 1.8 1.5 1.2 1.1 1.1 1.0 0.9 0.7 0.6
Selling, General & Administrative Expenses - Other - Total 0.3 0.3 0.2 0.2 0.1 0.1 0.1 0.1 0.1 0.1
Advertising Expense 0.1 0.1 0.0 0.0 0.0 0.0 0.1 0.0 0.0 0.0
Rental Expense 0.1 0.1 0.1 0.1 0.1 0.0 0.0 0.0 0.1 0.0
Operating Profit before Non-Recurring Income/(Expense) 3.5 2.7 2.8 2.2 1.3 1.3 1.2 1.4 2.5 1.9
Other Operating Expense 0.2 0.2 0.1 0.1 0.1 0.1 0.1 0.1 0.1 —
Interest Expense - Net of Capitalized Interest 0.5 0.5 0.6 0.4 0.3 0.4 0.5 0.2 0.2 0.1
Sale of Tangible & Intangible Fixed Assets - Gain/Loss 0.1 (0.1) 0.1 0.1 0.0 0.0 0.0 0.0 0.0 0.0
Equity Earnings/(Loss) - before Taxes including Non-Recurring — — — — — — — — — 0.3
Other Non-Operating Income/(Expense) - Total (0.5) 0.2 (0.0) 0.1 0.1 0.1 0.1 0.0 0.2 (0.0)
Normalized Pre-tax Profit 2.6 2.3 2.2 1.9 1.1 0.9 0.8 1.2 2.6 2.0
Non-Recurring Income/Expense - Total 0.3 0.3 0.0 (0.0) (0.1) (0.0) 0.1 (0.0) (0.2) 0.0
Impairment - Tangible & Intangible Fixed Assets — — — — — — 0.0 0.0 0.1 0.0
Impairment - Intangibles excluding Goodwill — — — — — — 0.0 0.0 0.1 0.0
Impairment - Financial Investments — — — — — — — — 0.0 —
Fair Value Adjustments - Financial Investments 0.3 0.3 0.0 (0.0) (0.1) (0.0) 0.1 0.0 — —
Income before Taxes 2.9 2.6 2.2 1.9 1.0 0.9 0.8 1.2 2.4 2.0
Equity in Earnings/(Loss) of Affiliates (after Taxes) 4.8 (0.8) 3.3 2.1 2.1 1.3 0.1 0.3 2.8 1.3
Income Taxes 2.4 1.1 1.7 1.1 0.6 0.5 0.3 0.5 0.8 0.9
Income Taxes for the Year - Current 1.4 1.5 1.5 1.1 0.7 0.8 0.6 0.9 0.5 0.6
Income Taxes - Deferred 1.6 (0.0) 0.5 0.3 0.0 (0.1) (0.1) (0.2) 0.3 0.2
Income Taxes - Other (by Type) (0.5) (0.4) (0.4) (0.2) (0.2) (0.2) (0.2) (0.2) 0.0 0.1
Net Income after Tax 0.5 1.5 0.6 0.8 0.5 0.4 0.5 0.7 1.5 1.2
Income before Discontinued Operations & Extraordinary Items 5.3 0.7 3.9 2.9 2.6 1.7 0.7 1.0 4.3 2.5
Net Income before Minority Interest 5.3 0.7 3.9 2.9 2.6 1.7 0.7 1.0 4.3 2.5
Minority Interest 0.1 0.0 0.0 0.0 (0.1) (0.0) (0.0) (0.0) 0.1 0.0
Net Income after Minority Interest 5.2 0.7 3.9 2.9 2.7 1.7 0.7 1.0 4.3 2.5
Income Available to Common Shares 5.2 0.7 3.9 2.9 2.7 1.7 0.7 1.0 4.3 2.5
Other Comprehensive Income - Starting Line 5.3 0.7 3.9 2.9 2.6 1.7 0.7 1.0 4.3 —
Other Comprehensive Income - Unrealized Investment Gain/(Loss) 3.3 1.0 11.1 0.7 (2.0) (4.5) (3.3) (12.5) 45.8 —
Other Comprehensive Income - Other (1.5) (2.3) (1.3) 0.3 0.2 (0.1) (0.5) 0.5 (0.3) —
Other Comprehensive Income - Associated Companies (0.1) (0.6) 2.0 0.1 (0.9) (1.3) (1.2) (2.3) 7.8 —
Other Comprehensive Income - Pension Related (0.0) (0.0) (0.0) (0.0) 0.0 (0.0) 0.0 (0.0) (0.0) —
Other Comprehensive Income - Net of Tax - Total 1.6 (2.0) 11.8 1.0 (2.8) (5.8) (5.0) (14.3) 53.3 —
Comprehensive Income before Minority Interest - Total 6.9 (1.2) 15.7 3.9 (0.2) (4.1) (4.3) (13.3) 57.7 —
Comprehensive Income - Attributable to Minority Interest - Total 0.1 0.1 0.0 (0.0) (0.1) (0.0) (0.0) (0.0) 0.0 —
Comprehensive Income - Attributable to Parent Company Equity Holders - Total 6.9 (1.3) 15.7 3.9 (0.1) (4.1) (4.3) (13.3) 57.7 —
DPS - Common - Gross - Issue - By Period End Date Rs 8.00 6.00 6.00 4.25 5.50 5.00 3.00 5.61 3.48 6.96
Net Income - Basic - including Extraordinary Items Applicable to Common - Total 5.2 0.7 3.9 2.9 2.7 1.7 0.7 1.0 4.3 2.5
Income available to Common excluding Extraordinary Items 5.2 0.7 3.9 2.9 2.7 1.7 0.7 1.0 4.3 2.5
Shares used to calculate Basic EPS - Total mn 142.6 142.6 142.6 142.6 142.6 142.6 142.6 142.5 141.1 141.1
EPS - Basic - including Extraordinary Items Applicable to Common - Total Rs 36.68 4.88 27.25 20.14 18.58 12.18 4.80 6.91 30.22 17.38
EPS - Basic - excluding Extraordinary Items Applicable to Common - Total Rs 36.68 4.88 27.25 20.14 18.58 12.18 4.80 6.91 30.22 17.38
EPS - Basic - excluding Extraordinary Items - Normalized - Total Rs 34.27 2.81 27.18 20.26 19.17 12.21 4.26 6.98 31.54 17.38
Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific 5.2 0.7 3.9 2.9 2.7 1.7 0.7 1.0 4.3 2.5
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 142.6 142.6 142.6 142.6 142.6 142.6 142.6 142.5 141.1 141.1
EPS - Basic - including Extraordinary Items Applicable to Common - Issue Specific Rs 36.68 4.88 27.25 20.14 18.58 12.18 4.80 6.91 30.22 17.38
EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific Rs 36.68 4.88 27.25 20.14 18.58 12.18 4.80 6.91 30.22 17.38
EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific Rs 34.27 2.81 27.18 20.26 19.17 12.21 4.26 6.98 31.54 17.38
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 48.16 (8.90) 109.75 27.29 (0.65) (28.56) (30.20) (93.18) 408.63 —
Net Income - Diluted - including Extraordinary Items Applicable to Common - Total 5.2 0.7 3.9 2.9 2.7 1.7 0.7 1.0 4.3 2.5
Diluted Income available to Common excluding Extraordinary Items 5.2 0.7 3.9 2.9 2.7 1.7 0.7 1.0 4.3 2.5
Shares used to calculate Diluted EPS - Total mn 142.6 142.6 142.6 142.6 142.6 142.6 142.6 142.5 141.1 141.1
EPS - Diluted - including Extraordinary Items Applicable to Common - Total Rs 36.68 4.88 27.25 20.14 18.58 12.18 4.80 6.91 30.22 17.38
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total Rs 36.68 4.88 27.25 20.14 18.58 12.18 4.80 6.91 30.22 17.38
EPS - Diluted - excluding Extraordinary Items - Normalized - Total Rs 34.27 2.81 27.18 20.26 19.17 12.21 4.26 6.98 31.54 17.38
Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue Specific 5.2 0.7 3.9 2.9 2.7 1.7 0.7 1.0 4.3 2.5
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 142.6 142.6 142.6 142.6 142.6 142.6 142.6 142.5 141.1 141.1
EPS - Diluted - including Extraordinary Items Applicable to Common - Issue Specific Rs 36.68 4.88 27.25 20.14 18.58 12.18 4.80 6.91 30.22 17.38
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific Rs 36.68 4.88 27.25 20.14 18.58 12.18 4.80 6.91 30.22 17.38
EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific Rs 34.27 2.81 27.18 20.26 19.17 12.21 4.26 6.98 31.54 17.38
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 48.16 (8.90) 109.75 27.29 (0.65) (28.56) (30.20) (93.18) 408.63 —
DPS - Common - Gross - Issue - By Announcement Date Rs 6.50 6.00 4.25 5.50 7.00 3.00 3.00 6.09 6.96 3.48
DPS - Common - Net - Issue - By Announcement Date Rs 5.85 5.40 3.83 4.95 6.30 2.70 2.70 5.48 6.26 3.13
Earnings before Interest & Taxes (EBIT) 3.5 2.7 2.8 2.2 1.3 1.3 1.2 1.4 2.5 1.9
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) 3.8 3.0 3.0 2.4 1.6 1.5 1.4 1.6 2.6 2.0
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) and Operating Lease Payments 4.0 3.2 3.2 2.5 1.7 1.6 1.4 1.6 2.7 2.0
Depreciation & Amortization - Supplemental 0.3 0.3 0.3 0.1 0.3 0.3 0.2 0.2 0.1 0.1
Depreciation Expense - Total - Supplemental 0.2 0.2 0.2 0.1 0.2 0.2 0.1 0.1 0.1 —
Depreciation - Financial Lease Right-of-Use Assets - Supplemental 0.0 0.1 0.1 — 0.1 0.1 0.1 0.0 — —
Amortization - Total - Supplemental 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.0 0.0 —
Intangible Amortization - Other - Supplemental 0.1 0.1 0.1 0.1 0.1 0.1 0.1 — — —
Amortization of Computer Software - Supplemental 0.1 0.1 0.1 0.1 0.1 0.1 — — — —
Depreciation, Depletion & Amortization - Total 0.3 0.3 0.3 0.3 0.3 0.3 0.2 0.2 0.1 0.1
Depreciation - Total 0.2 0.2 0.2 0.1 0.2 0.2 0.1 0.1 0.1 —
Amortization of Intangible Assets including Goodwill - Total — — — — — — — 0.0 0.0 —
Amortization of Intangible Assets excluding Goodwill - Total 0.1 0.1 0.1 0.1 0.1 0.1 0.1 — — —
Labor & Related Expenses - Total 2.0 1.8 1.5 1.2 1.1 1.1 1.0 0.9 0.7 0.6
Labor & Related Expenses - Supplemental 2.0 1.8 1.5 1.2 1.1 1.1 1.0 0.9 0.7 0.6
Auditor Fees 0.1 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.1
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 0.1
Normalized after Tax Profit 0.2 1.2 0.6 0.8 0.6 0.4 0.5 0.7 1.7 1.2
Normalized Net Income from Continuing Operations 5.0 0.4 3.9 2.9 2.7 1.7 0.6 1.0 4.5 2.5
Normalized Net Income - Bottom Line 4.9 0.4 3.9 2.9 2.7 1.7 0.6 1.0 4.5 2.5
Earnings before Interest & Taxes (EBIT) - Normalized 2.7 2.2 2.1 2.2 1.3 1.1 0.9 1.2 2.5 2.1
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized 3.0 2.5 2.4 2.4 1.6 1.4 1.1 1.4 2.7 2.2
Depreciation of Financial Lease Right-of-Use Assets 0.0 0.1 0.1 — 0.1 0.1 0.1 0.0 — —
Rental/Operating Lease Expense 0.1 0.1 0.1 0.1 0.1 0.0 0.0 0.0 0.1 0.0
Advertising Expenses - Supplemental 0.1 0.1 0.0 0.0 0.0 0.0 0.1 0.0 0.0 0.0
Interest Expense 0.5 0.5 0.6 0.4 0.3 0.4 0.5 0.2 0.2 0.1
Investment Income - Insurance 5.1 5.6 4.9 3.8 2.9 2.9 2.9 2.7 3.2 2.7
Losses, Benefits & Adjustments - Insurance 14.3 7.8 6.3 7.3 6.4 5.4 6.0 6.3 5.3 3.9
Operating Expenses 23.4 22.8 15.4 11.3 11.5 10.5 9.0 8.2 8.1 11.0
Selling, General & Administrative Expenses excluding Research & Development Expenses 4.0 3.6 2.9 2.2 2.1 1.9 2.1 1.7 1.4 1.2
Total Claim & Loss Expense 14.3 7.8 6.3 7.3 6.4 5.4 6.0 6.3 5.3 3.9
Underwriting & Commissions 2.4 9.0 3.6 (0.3) 0.7 1.3 (0.1) (0.6) 0.7 5.3
Underwriting Expenses - Insurance 6.7 6.0 5.5 4.2 4.4 3.8 3.2 2.6 2.1 1.8
Income before Taxes & Provision for Loan Losses 2.9 2.6 2.2 1.9 1.0 0.9 0.8 1.2 2.4 2.0
DPS - Common - Gross - Issue - By Payable Date Rs 6.50 6.00 4.25 5.50 7.00 3.00 3.00 13.04 0.00 3.48
DPS - Common - Gross - Issue - By Ex Date Rs 6.50 6.00 4.25 5.50 7.00 3.00 3.00 13.04 0.00 3.48
Tax Adjusted Operating Income 5.3 1.0 4.0 3.1 2.8 1.9 1.0 1.1 4.4 2.5
Underwriting Expenses minus Losses, Benefits & Adjustments - Insurance (7.6) (1.8) (0.8) (3.1) (2.0) (1.6) (2.8) (3.7) (3.2) (2.1)
Operating Expenses excluding Non-Cash Charges - Total 23.1 22.5 15.2 11.0 11.3 10.2 8.8 8.1 8.0 10.9
Premiums Earned - Total 20.7 18.9 12.8 9.7 10.1 8.6 7.3 7.0 7.4 8.8
Losses, Benefits & Adjustments - Total 16.7 16.8 9.9 7.1 7.1 6.6 5.8 5.6 6.0 9.2
Income Available to Common Shares before Depreciation & Amortization 5.5 1.0 4.2 3.1 2.9 2.0 0.9 1.1 4.4 2.5
Fixed Charges 0.5 0.5 0.6 0.4 0.3 0.4 0.5 0.2 0.2 0.1
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 6.50 6.00 4.25 5.50 7.00 3.00 3.00 6.09 6.96 3.48

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.