PINL Premier Insurance Limited
Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026
Last close · 16 Oct 2026
Rs 9.03 -6.04%
Financials
Premier Insurance Limited (PINL) financials
20 years of annual results (FY2006 – FY2025), 80 quarters.
Premier Insurance Limited (PINL) reported total income of Rs 519.3 mn for FY2025 (Jan – Dec 2025), up 6.7% from FY2024.
Profit attributable to shareholders was Rs 122.7 mn (EPS Rs 2.43), up 77.6%.
No cash dividend was declared for FY2025.
Return on equity was 9.8%.
Over the last five years total income grew at a compound 18.6% a year.
At Rs 9.03 (close on 16 Oct 2026) the shares trade at 3.0× earnings (TTM to Jun 2026) and 0.34× book value.
Fundamentals
PINL at a glance
Net premium earned · FY2025
Rs 274.2 mn
▲ 1.7% year on year
Profit attributable to shareholders · FY2025
Rs 122.7 mn
▲ 77.6% year on year
EPS – basic (Rs) · FY2025
Rs 2.43
▲ 77.6% year on year
Dividend per share (Rs) · FY2025
Rs 0.00
Investments · FY2025
Rs 1.5 bn
▲ 11.7% year on year
Return on equity (ROE) · FY2025
9.8%
+3.4 pts year on year
Financial statements
Income statement
Revenue, costs, profit and earnings per share.
- Total income · FY2025
- Rs 519.3 mn
- Profit attributable · FY2025
- Rs 122.7 mn
Balance sheet
Assets, liabilities, debt and shareholders' equity.
- Total assets · FY2025
- Rs 3.4 bn
- Equity · FY2025
- Rs 1.3 bn
Financial highlights
PINL financial results
| 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 premium earned | 274.2 | 269.7 | 317.9 | 285.1 | 246.7 | 195.2 | 223.3 | 290.3 | 517.8 | 623.4 |
| Investment income (net) | 9.9 | 57.3 | 43.0 | (3.7) | 151.8 | 22.4 | (135.6) | 42.9 | 50.3 | 54.9 |
| Net claims & benefits | (167.5) | (154.8) | (145.5) | (305.2) | (231.2) | (112.3) | (88.1) | (57.8) | (350.4) | (628.3) |
| Profit before tax | 121.5 | 68.0 | 16.3 | (183.1) | (19.3) | (110.0) | (274.7) | 53.4 | (98.5) | (325.1) |
| Profit attributable to shareholders | 122.7 | 69.1 | 7.9 | (190.3) | (27.5) | (117.1) | (239.8) | 44.8 | (112.4) | (330.7) |
| EPS – basic (Rs) Rs | 2.43 | 1.37 | 0.16 | (3.76) | (0.54) | (2.32) | (4.74) | 0.89 | (2.29) | (6.54) |
| 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 |
| Investments | 1,528.0 | 1,368.3 | 1,073.2 | 958.9 | 1,138.3 | 1,227.6 | 1,062.6 | 1,124.2 | 78.6 | 932.0 |
| Total assets | 3,354.9 | 3,005.7 | 2,615.9 | 2,843.9 | 3,479.4 | 3,249.3 | 2,957.3 | 3,163.7 | 3,383.0 | 3,745.2 |
| Total equity | 1,293.0 | 1,199.1 | 947.4 | 855.4 | 1,332.4 | 1,336.9 | 1,157.0 | 1,212.6 | 1,015.1 | 1,242.1 |
| Rs mn | TTM to Jun 2026 | Q2 FY2026 Apr – Jun 2026 | Q1 FY2026 Jan – Mar 2026 | Q4 FY2025 Oct – Dec 2025 | Q3 FY2025 Jul – Sep 2025 | Q2 FY2025 Apr – Jun 2025 | Q1 FY2025 Jan – Mar 2025 | Q4 FY2024 Oct – Dec 2024 | Q3 FY2024 Jul – Sep 2024 |
|---|---|---|---|---|---|---|---|---|---|
| Net premium earned | 273.0 | 65.3 | 65.8 | 69.6 | 72.3 | 68.2 | 64.1 | 57.8 | 63.6 |
| Investment income (net) | 260.9 | 13.6 | 90.0 | 38.8 | 118.5 | 37.1 | 38.6 | 78.4 | 100.7 |
| Net claims & benefits | (162.9) | (42.4) | (34.3) | (41.6) | (44.7) | (46.5) | (34.7) | (41.9) | (39.1) |
| Profit before tax | 152.5 | (37.7) | 94.5 | 21.2 | 74.5 | 5.7 | 22.0 | 47.6 | 32.4 |
| Profit attributable to shareholders | 153.7 | (37.3) | 94.8 | 34.7 | 61.5 | 5.8 | 22.2 | 48.0 | 32.6 |
| EPS – basic (Rs) Rs | 3.04 | (0.74) | 1.87 | 0.69 | 1.22 | 0.11 | 0.44 | 0.92 | 0.64 |
| Dividend per share (Rs) Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investments | 1,590.3 | 1,590.3 | 1,348.6 | 1,528.0 | 1,562.8 | 1,397.0 | 1,352.2 | 1,368.3 | 1,152.8 |
| Total assets | 3,325.5 | 3,325.5 | 3,135.0 | 3,354.9 | 3,179.7 | 3,144.9 | 2,894.3 | 3,005.7 | 2,875.0 |
| Total equity | 1,353.4 | 1,353.4 | 1,100.4 | 1,293.0 | 1,260.8 | 1,115.7 | 1,161.6 | 1,199.1 | 996.2 |
Figures in Pakistani rupees as reported by the company; costs and cash outflows in brackets. Free cash flow and book value per share are calculated by Smart Money; TTM = the latest four quarters. * Some FY2025 figures do not fully reconcile in the source data. Updated 16 Oct 2026.