Last close · 16 Oct 2026
Rs 5.06 -0.78%
Annual · FY2012 – FY2025
PICIC Insurance Limited (PIL) financial ratios
PICIC Insurance Limited earned a net margin of -122.5% in FY2025 against a five-year average of -33.1% (Insurance median 11.2%).
FY2025 vs the Insurance median
- Net margin
- -122.5%
- Sector median 11.2%
- Return on assets (ROA)
- -13.8%
- Sector median 3.5%
Median of the 29 companies in the sector with the figure for their latest fiscal year.
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||||||
| Pre-tax margin | (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%) |
| Net margin | (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%) |
| Effective tax rate | — | 36.1% | 61.9% | — | — | — | — | — | — | — | — | — | 4.9% | — |
| Returns | ||||||||||||||
| Return on equity (ROE) | — | — | — | — | — | — | — | — | (247.0%) | (51.1%) | (12.4%) | (79.8%) | 4.2% | — |
| Return on assets (ROA) | (13.8%) | 3.4% | 0.9% | (3.8%) | (0.6%) | (0.0%) | (3.2%) | (17.4%) | (20.9%) | (5.3%) | (1.3%) | (13.9%) | 1.0% | — |
| Leverage | ||||||||||||||
| Debt to equity | — | — | — | — | — | — | — | — | — | — | — | — | 0.7% | 1.1% |
| Debt to capital | — | — | — | — | — | — | — | — | — | — | — | — | 0.7% | 1.1% |
| Debt to assets | — | — | — | — | — | — | — | — | — | — | — | — | 0.2% | 0.2% |
| Assets to equity | — | — | — | — | — | — | — | — | 11.83× | 9.69× | 9.83× | 5.72× | 4.20× | — |
| Dividends | ||||||||||||||
| Dividend payout ratio | — | 0.0% | 0.0% | — | — | — | — | — | — | — | — | — | 0.0% | — |
| Earnings retention rate | — | 1.00× | 1.00× | — | — | — | — | — | — | — | — | — | 1.00× | — |
Ratios as reported for each fiscal year; returns are on average equity / assets. Debt ratios are percentages; turnover in times; working-capital measures in days.
PIL: frequently asked questions
What is PIL's EPS?
PICIC Insurance Limited reported basic earnings per share of Rs -0.43 for FY2025 (Jan – Dec 2025). Over the trailing twelve months (TTM to Jun 2026) EPS was Rs -0.16.
Does PIL pay dividends?
PICIC Insurance Limited did not declare a cash dividend for FY2025.
What was PIL's total income and profit in FY2025?
PICIC Insurance Limited reported total income of Rs 12.2 mn and profit attributable to shareholders of -Rs 14.9 mn for FY2025 (Jan – Dec 2025).
What is PIL's book value per share?
PICIC Insurance Limited's book value per share was Rs -0.83 at the end of FY2025.
Information only, not investment advice.