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PIL PICIC Insurance Limited

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

Last close · 16 Oct 2026

Rs 5.06 -0.78%

Annual · FY2012 – FY2025

PICIC Insurance Limited (PIL) income statement

PICIC Insurance Limited reported total income of Rs 12.2 mn for FY2025 (Jan – Dec 2025), down 3.4% on FY2024. The loss attributable to shareholders was Rs 14.9 mn, or Rs -0.43 per share.

PIL income statement (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 FY2017 * Jan – Dec 2017 FY2016 * Jan – Dec 2016 FY2015 * Jan – Dec 2015 FY2014 Jan – Dec 2014 FY2013 Jan – Dec 2013 FY2012 Jan – Dec 2012
Net premium earned — 0.0 0.0 0.0 0.0 0.0 0.0 0.0 44.6 76.3 220.4 292.7 322.5 322.8
Investment income (net) 12.2 12.6 8.2 4.7 3.4 4.8 4.5 2.3 2.4 0.8 0.6 7.4 12.0 13.5
Total income 12.2 12.6 8.2 4.7 3.4 4.8 4.5 2.3 47.0 77.2 221.0 300.1 342.4 338.6
Net claims & benefits 0.0 0.0 0.0 0.0 0.0 — — 0.0 (48.4) (20.2) (91.1) (213.1) (177.6) (211.9)
Profit before tax (11.9) 5.2 2.0 (0.3) (0.4) (0.0) (1.7) (8.9) (41.6) (24.4) (9.5) (130.8) 9.9 (25.8)
Taxation (3.0) (1.9) (1.2) (2.7) 0.0 0.0 (0.5) (2.9) (0.6) (0.5) (0.4) (0.2) (0.5) (0.7)
Profit after tax (14.9) 3.3 0.8 (3.1) (0.4) (0.0) (2.2) (11.8) (42.2) (24.9) (9.8) (131.0) 9.4 (26.5)
Profit attributable to shareholders (14.9) 3.3 0.8 (3.1) (0.4) (0.0) (2.2) (11.8) (42.2) (24.9) (9.8) (131.0) 9.4 (26.5)
Per share
EPS – basic (Rs) Rs (0.43) 0.10 0.02 (0.09) (0.01) (0.00) (0.06) (0.34) (1.21) (0.71) (0.28) (3.57) 0.26 (0.72)
Dividend per share (Rs) Rs 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PIL 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
Net premium earned — — — — — — — -100.0% -41.5% -65.4% -24.7% -9.2% -0.1% —
Investment income (net) -3.4% +52.5% +76.9% +38.8% -29.3% +5.2% +92.4% -0.3% +177.5% +38.1% -91.7% -38.2% -11.2% —
Total income -3.4% +52.5% +76.9% +38.8% -29.3% +5.2% +92.4% -95.0% -39.1% -65.1% -26.3% -12.3% +1.1% —
Net claims & benefits — — — — — — — -100.0% +139.7% -77.8% -57.2% +20.0% -16.2% —
Profit before tax -327.1% +161.0% — — — — — — — — — -1,420.2% — —
Taxation +61.5% +52.1% -54.7% — — -100.0% -83.7% +394.0% +13.6% +44.0% +124.5% -67.1% -26.7% —
Profit after tax -546.4% +337.8% — — — — — — — — — -1,489.7% — —
Profit attributable to shareholders -546.4% +337.8% — — — — — — — — — -1,489.7% — —
Per share
EPS – basic (Rs) -546.4% +337.8% — — — — — — — — — -1,489.7% — —
Dividend per share (Rs) — — — — — — — — — — — — — —

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

PIL 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
Net premium earned — 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 95.0% 98.9% 99.7% 97.5% 94.2% 95.4%
Investment income (net) 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 5.0% 1.1% 0.3% 2.5% 3.5% 4.0%
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%
Net claims & benefits 0.0% 0.0% 0.0% 0.0% 0.0% — — 0.0% (103.1%) (26.2%) (41.2%) (71.0%) (51.9%) (62.6%)
Profit before tax (97.5%) 41.5% 24.2% (7.3%) (12.9%) (0.3%) (37.8%) (379.8%) (88.6%) (31.6%) (4.3%) (43.6%) 2.9% (7.6%)
Taxation (25.0%) (15.0%) (15.0%) (58.6%) 0.0% 0.0% (10.4%) (122.9%) (1.2%) (0.7%) (0.2%) (0.1%) (0.1%) (0.2%)
Profit after tax (122.5%) 26.5% 9.2% (65.8%) (12.9%) (0.3%) (48.2%) (502.7%) (89.9%) (32.2%) (4.4%) (43.6%) 2.8% (7.8%)
Profit attributable to shareholders (122.5%) 26.5% 9.2% (65.8%) (12.9%) (0.3%) (48.2%) (502.7%) (89.9%) (32.2%) (4.4%) (43.6%) 2.8% (7.8%)

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 88
PIL income statement — all reported line items (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
Net Premiums Earned — 0.0 0.0 0.0 0.0 0.0 0.0 0.0 44.6 76.3
Fees & Commissions Expense — — — — — — — — 2.3 12.6
Investment Income/(Expense) - Net - Insurance 12.2 12.6 8.2 4.7 3.4 4.8 4.5 2.3 2.4 0.8
Investment Income - Gross - Insurance - Total 12.2 12.6 8.2 4.7 3.4 4.8 — — — —
Revenue from Business Activities - Total 12.2 12.6 8.2 4.7 3.4 4.8 4.5 2.3 47.0 77.2
Insurance Claims/Reserves - Total 0.0 0.0 0.0 0.0 0.0 — — 0.0 48.4 20.2
Insurance Benefits Paid - Current 0.0 0.0 0.0 0.0 0.0 — — 0.0 48.4 20.2
Selling, General & Administrative Expenses - Total 6.7 7.1 5.9 4.7 3.9 4.5 6.0 10.9 36.6 69.7
Selling, General & Administrative Expenses - Unclassified — — — — — 4.5 5.9 10.3 13.0 51.0
Depreciation in Selling, General & Administrative Expenses — — — — — 0.0 0.0 0.7 2.5 —
Other Operating Expense/(Income) - Net — 0.3 0.3 0.3 0.3 0.3 0.3 0.4 0.0 0.0
Operating Expenses - Total 6.7 7.4 6.2 5.0 4.2 4.8 6.2 11.4 87.3 102.6
Labor & Related Expenses including Stock-Based Compensation in Selling, General & Administrative Expenses 6.7 7.1 5.9 4.7 3.9 — — — — 18.7
Selling, General & Administrative Expenses - Other - Total — — — — — — — — 21.1 —
Operating Profit before Non-Recurring Income/(Expense) 5.5 5.2 2.0 (0.3) (0.8) (0.1) (1.7) (9.0) (40.3) (25.4)
Sale of Tangible & Intangible Fixed Assets - Gain/Loss — — — — — 0.1 0.0 — (1.3) 0.3
Other Non-Operating Income/(Expense) - Total (17.3) — 0.0 0.0 0.0 — 0.0 0.1 0.0 0.8
Normalized Pre-tax Profit (11.9) 5.2 2.0 (0.3) (0.8) (0.0) (1.7) (8.9) (41.6) (24.4)
Non-Recurring Income/Expense - Total — — — — 0.4 — — — — —
Fair Value Adjustments - Financial Investments — — — — 0.4 — — — — —
Provision for Income Tax Expense- Unclassified 3.0 1.9 1.2 2.7 0.0 0.0 0.5 2.9 0.6 —
Income before Taxes (11.9) 5.2 2.0 (0.3) (0.4) (0.0) (1.7) (8.9) (41.6) (24.4)
Income Taxes 3.0 1.9 1.2 2.7 0.0 0.0 0.5 2.9 0.6 0.5
Income Taxes for the Year - Current — — — — — — — — — 0.5
Income Taxes - Deferred — — — — — — — — — 0.0
Net Income after Tax (14.9) 3.3 0.8 (3.1) (0.4) (0.0) (2.2) (11.8) (42.2) (24.9)
Income before Discontinued Operations & Extraordinary Items (14.9) 3.3 0.8 (3.1) (0.4) (0.0) (2.2) (11.8) (42.2) (24.9)
Net Income before Minority Interest (14.9) 3.3 0.8 (3.1) (0.4) (0.0) (2.2) (11.8) (42.2) (24.9)
Net Income after Minority Interest (14.9) 3.3 0.8 (3.1) (0.4) (0.0) (2.2) (11.8) (42.2) (24.9)
Income Available to Common Shares (14.9) 3.3 0.8 (3.1) (0.4) (0.0) (2.2) (11.8) (42.2) (24.9)
DPS - Common - Gross - Issue - By Period End Date Rs 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Income - Basic - including Extraordinary Items Applicable to Common - Total (14.9) 3.3 0.8 (3.1) (0.4) (0.0) (2.2) (11.8) (42.2) (24.9)
Income available to Common excluding Extraordinary Items (14.9) 3.3 0.8 (3.1) (0.4) (0.0) (2.2) (11.8) (42.2) (24.9)
Shares used to calculate Basic EPS - Total mn 35.0 35.0 35.0 35.0 35.0 35.0 35.0 35.0 35.0 35.0
EPS - Basic - including Extraordinary Items Applicable to Common - Total Rs (0.43) 0.10 0.02 (0.09) (0.01) (0.00) (0.06) (0.34) (1.21) (0.71)
EPS - Basic - excluding Extraordinary Items Applicable to Common - Total Rs (0.43) 0.10 0.02 (0.09) (0.01) (0.00) (0.06) (0.34) (1.21) (0.71)
EPS - Basic - excluding Extraordinary Items - Normalized - Total Rs (0.43) 0.10 0.02 (0.09) (0.02) (0.00) (0.06) (0.34) (1.21) (0.71)
Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific (14.9) 3.3 0.8 (3.1) (0.4) (0.0) (2.2) (11.8) (42.2) (24.9)
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 35.0 35.0 35.0 35.0 35.0 35.0 35.0 35.0 35.0 35.0
EPS - Basic - including Extraordinary Items Applicable to Common - Issue Specific Rs (0.43) 0.10 0.02 (0.09) (0.01) (0.00) (0.06) (0.34) (1.21) (0.71)
EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific Rs (0.43) 0.10 0.02 (0.09) (0.01) (0.00) (0.06) (0.34) (1.21) (0.71)
EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific Rs (0.43) 0.10 0.02 (0.09) (0.02) (0.00) (0.06) (0.34) (1.21) (0.71)
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
Dilution Adjustment — — — — — — — — — 0.0
Net Income - Diluted - including Extraordinary Items Applicable to Common - Total (14.9) 3.3 0.8 (3.1) (0.4) (0.0) (2.2) (11.8) (42.2) (24.9)
Diluted Income available to Common excluding Extraordinary Items (14.9) 3.3 0.8 (3.1) (0.4) (0.0) (2.2) (11.8) (42.2) (24.9)
Shares used to calculate Diluted EPS - Total mn 35.0 35.0 35.0 35.0 35.0 35.0 35.0 35.0 35.0 35.0
EPS - Diluted - including Extraordinary Items Applicable to Common - Total Rs (0.43) 0.10 0.02 (0.09) (0.01) (0.00) (0.06) (0.34) (1.21) (0.71)
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total Rs (0.43) 0.10 0.02 (0.09) (0.01) (0.00) (0.06) (0.34) (1.21) (0.71)
EPS - Diluted - excluding Extraordinary Items - Normalized - Total Rs (0.43) 0.10 0.02 (0.09) (0.02) (0.00) (0.06) (0.34) (1.21) (0.71)
Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue Specific (14.9) 3.3 0.8 (3.1) (0.4) (0.0) (2.2) (11.8) (42.2) (24.9)
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 35.0 35.0 35.0 35.0 35.0 35.0 35.0 35.0 35.0 35.0
EPS - Diluted - including Extraordinary Items Applicable to Common - Issue Specific Rs (0.43) 0.10 0.02 (0.09) (0.01) (0.00) (0.06) (0.34) (1.21) (0.71)
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific Rs (0.43) 0.10 0.02 (0.09) (0.01) (0.00) (0.06) (0.34) (1.21) (0.71)
EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific Rs (0.43) 0.10 0.02 (0.09) (0.02) (0.00) (0.06) (0.34) (1.21) (0.71)
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 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
DPS - Common - Net - Issue - By Announcement Date Rs 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Earnings before Interest & Taxes (EBIT) 5.5 5.2 2.0 (0.3) (0.8) (0.1) (1.7) (9.0) (40.3) (25.4)
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) 5.5 5.2 2.0 (0.3) (0.8) (0.1) (1.7) (8.4) (37.9) (20.1)
Depreciation & Amortization - Supplemental 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.7 2.5 —
Depreciation Expense - Total - Supplemental 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.7 2.5 —
Depreciation, Depletion & Amortization - Total 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.7 2.5 5.3
Depreciation - Total 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.7 2.5 —
Normalized after Tax Profit (14.9) 3.3 0.8 (3.1) (0.8) (0.0) (2.2) (11.8) (42.2) (24.9)
Normalized Net Income from Continuing Operations (14.9) 3.3 0.8 (3.1) (0.8) (0.0) (2.2) (11.8) (42.2) (24.9)
Normalized Net Income - Bottom Line (14.9) 3.3 0.8 (3.1) (0.8) (0.0) (2.2) (11.8) (42.2) (24.9)
Earnings before Interest & Taxes (EBIT) - Normalized (11.9) 5.2 2.0 (0.3) (0.8) (0.0) (1.7) (8.9) (41.6) (24.4)
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized (11.8) 5.2 2.0 (0.3) (0.8) (0.0) (1.7) (8.3) (39.2) (19.0)
Investment Income - Insurance 12.2 12.6 8.2 4.7 3.4 4.8 4.5 2.3 2.4 0.8
Losses, Benefits & Adjustments - Insurance 0.0 0.0 0.0 0.0 0.0 — — 0.0 48.4 20.2
Operating Expenses 6.7 7.4 6.2 5.0 4.2 4.8 6.2 11.4 87.3 102.6
Selling, General & Administrative Expenses excluding Research & Development Expenses 6.7 7.1 5.9 4.7 3.9 4.5 6.0 10.9 36.6 69.7
Total Claim & Loss Expense 0.0 0.0 0.0 0.0 0.0 — — 0.0 48.4 20.2
Underwriting Expenses - Insurance 6.7 7.4 6.2 5.0 4.2 4.8 6.2 11.4 38.9 82.4
Income before Taxes & Provision for Loan Losses (11.9) 5.2 2.0 (0.3) (0.4) (0.0) (1.7) (8.9) (41.6) (24.4)
DPS - Common - Gross - Issue - By Payable Date 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 Ex Date Rs 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Tax Adjusted Operating Income — 3.3 0.8 — — — — — — —
Underwriting Expenses minus Losses, Benefits & Adjustments - Insurance 6.7 7.4 6.2 5.0 4.2 — — 11.4 (9.6) 62.2
Operating Expenses excluding Non-Cash Charges - Total 6.6 7.4 6.2 5.0 4.2 4.8 6.2 10.7 84.9 97.3
Premiums Earned - Total — 0.0 0.0 0.0 0.0 0.0 0.0 0.0 44.6 76.3
Losses, Benefits & Adjustments - Total 0.0 0.0 0.0 0.0 0.0 — — 0.0 48.4 20.2
Income Available to Common Shares before Depreciation & Amortization (14.9) 3.3 0.8 (3.1) (0.4) (0.0) (2.2) (11.1) (39.7) (19.6)
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 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

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.