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PINL Premier Insurance Limited

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

Last close · 16 Oct 2026

Rs 9.03 -6.04%

Quarterly · Q3 FY2021 – Q2 FY2026

Premier Insurance Limited (PINL) quarterly income statement

Premier Insurance Limited reported total income of Rs 82.6 mn for Q2 FY2026 (Apr – Jun 2026), down 23.6% on Q2 FY2025. The loss attributable to shareholders was Rs 37.3 mn, or Rs -0.74 per share.

PINL income statement (quarterly) (Rs mn)
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 Q2 FY2024 Apr – Jun 2024 Q1 FY2024 Jan – Mar 2024 Q4 FY2023 Oct – Dec 2023 Q3 FY2023 Jul – Sep 2023 Q2 FY2023 Apr – Jun 2023 Q1 FY2023 Jan – Mar 2023 Q4 FY2022 Oct – Dec 2022 Q3 FY2022 Jul – Sep 2022 Q2 FY2022 Apr – Jun 2022 Q1 FY2022 Jan – Mar 2022 Q4 FY2021 Oct – Dec 2021 Q3 FY2021 Jul – Sep 2021
Net premium earned 273.0 65.3 65.8 69.6 72.3 68.2 64.1 57.8 63.6 73.7 74.6 82.7 78.8 76.3 80.1 73.0 75.3 66.4 70.4 69.0 59.7
Investment income (net) 260.9 13.6 90.0 38.8 118.5 37.1 38.6 78.4 100.7 23.9 9.2 14.2 4.9 17.1 6.8 (5.0) 7.8 (13.9) 7.5 18.8 6.2
Total income 547.0 82.6 158.8 111.5 194.2 108.1 105.5 137.4 165.4 98.7 85.0 98.1 84.9 97.3 88.2 69.2 84.3 53.7 79.1 88.9 67.0
Net claims & benefits (162.9) (42.4) (34.3) (41.6) (44.7) (46.5) (34.7) (41.9) (39.1) (42.5) (31.3) (22.9) (27.3) (51.5) (43.8) (93.4) (54.0) (78.0) (79.7) (38.7) (56.7)
Acquisition & underwriting expenses 16.3 0.3 21.1 (2.9) (2.2) 7.9 8.4 (0.1) 0.3 (8.2) (8.1) (8.0) (4.2) (4.7) (5.7) 1.5 (3.7) (2.1) (5.4) 2.9 (9.3)
Profit before tax 152.5 (37.7) 94.5 21.2 74.5 5.7 22.0 47.6 32.4 (4.9) (6.7) 47.7 (3.3) (11.7) (16.5) (38.4) (32.4) (56.1) (56.1) 15.2 (39.9)
Taxation 1.2 0.4 0.3 13.5 (13.0) 0.1 0.3 0.4 0.2 (0.2) 0.2 (1.5) (4.8) (1.3) (0.8) (0.7) (4.0) (1.7) (0.8) (1.0) (4.8)
Profit after tax 153.7 (37.3) 94.8 34.7 61.5 5.8 22.2 48.0 32.6 (5.1) (6.5) 46.2 (8.1) (12.9) (17.2) (39.1) (36.4) (57.9) (56.8) 14.2 (44.7)
Profit attributable to shareholders 153.7 (37.3) 94.8 34.7 61.5 5.8 22.2 48.0 32.6 (5.1) (6.5) 46.2 (8.1) (12.9) (17.2) (39.1) (36.4) (57.9) (56.8) 14.2 (44.7)
Per share
EPS – basic (Rs) Rs 3.04 (0.74) 1.87 0.69 1.22 0.11 0.44 0.92 0.64 (0.10) (0.13) 0.91 (0.16) (0.26) (0.34) (0.77) (0.72) (1.14) (1.12) 0.28 (0.88)
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 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PINL income statement — year-on-year change (Rs mn)
Rs mn 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 Q2 FY2024 Apr – Jun 2024 Q1 FY2024 Jan – Mar 2024 Q4 FY2023 Oct – Dec 2023 Q3 FY2023 Jul – Sep 2023 Q2 FY2023 Apr – Jun 2023 Q1 FY2023 Jan – Mar 2023 Q4 FY2022 Oct – Dec 2022 Q3 FY2022 Jul – Sep 2022 Q2 FY2022 Apr – Jun 2022 Q1 FY2022 Jan – Mar 2022 Q4 FY2021 Oct – Dec 2021 Q3 FY2021 Jul – Sep 2021
Net premium earned -4.3% +2.6% +20.4% +13.7% -7.5% -14.1% -30.2% -19.3% -3.4% -6.8% +13.3% +4.7% +14.8% +13.7% +5.9% +26.0% +3.8% +30.4% +33.6% +17.0%
Investment income (net) -63.4% +132.9% -50.5% +17.7% +55.4% +318.3% +454.3% +1,939.2% +39.7% +34.9% — -36.7% — -8.5% -126.8% +25.9% -111.9% -24.1% +89.3% +112.7%
Total income -23.6% +50.5% -18.8% +17.4% +9.6% +24.1% +40.1% +94.9% +1.4% -3.7% +41.7% +0.7% +81.0% +11.6% -22.2% +25.7% -70.5% +22.2% +42.0% +21.9%
Net claims & benefits -8.9% -1.2% -0.8% +14.2% +9.4% +11.1% +82.7% +43.5% -17.5% -28.5% -75.4% -49.5% -34.0% -45.1% +141.5% -4.8% -15.2% +82.1% +26.2% +91.3%
Acquisition & underwriting expenses — — +2,987.1% — -196.4% -204.0% -98.8% -106.3% +72.4% +40.5% — +14.1% +125.5% +7.0% — -60.6% -42.2% +49.5% -157.9% +12.5%
Profit before tax -765.1% +330.4% -55.5% +129.9% — — -0.2% — — — — — — — -353.7% — -217.0% — +177.9% —
Taxation — — — — -156.2% — -126.1% -104.0% -81.9% -130.8% +111.3% +20.1% -27.3% +4.4% -27.9% -16.4% +140.1% -56.6% -33.7% +17.2%
Profit after tax -743.5% +326.8% -27.7% +88.7% — — +3.8% — — — — — — — -376.0% — -222.4% — +255.4% —
Profit attributable to shareholders -743.5% +326.8% -27.7% +88.7% — — +3.8% — — — — — — — -376.0% — -222.4% — +255.4% —
Per share
EPS – basic (Rs) -743.5% +326.8% -25.8% +90.6% — — +1.1% — — — — — — — -376.0% — -222.4% — +255.4% —
Dividend per share (Rs) — — — — — — — — — — — — — — — — — — — —

Change against the same quarter a year earlier; shown when the earlier figure is positive.

PINL income statement — common size (Rs mn)
Rs mn 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 Q2 FY2024 Apr – Jun 2024 Q1 FY2024 Jan – Mar 2024 Q4 FY2023 Oct – Dec 2023 Q3 FY2023 Jul – Sep 2023 Q2 FY2023 Apr – Jun 2023 Q1 FY2023 Jan – Mar 2023 Q4 FY2022 Oct – Dec 2022 Q3 FY2022 Jul – Sep 2022 Q2 FY2022 Apr – Jun 2022 Q1 FY2022 Jan – Mar 2022 Q4 FY2021 Oct – Dec 2021 Q3 FY2021 Jul – Sep 2021
Net premium earned 79.0% 41.4% 62.4% 37.3% 63.1% 60.8% 42.1% 38.4% 74.7% 87.8% 84.4% 92.8% 78.4% 90.8% 105.5% 89.3% 123.6% 89.1% 77.5% 89.1%
Investment income (net) 16.5% 56.7% 34.8% 61.0% 34.3% 36.6% 57.1% 60.9% 24.2% 10.9% 14.4% 5.8% 17.6% 7.8% (7.3%) 9.3% (25.9%) 9.5% 21.2% 9.3%
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 (51.3%) (21.6%) (37.3%) (23.0%) (43.0%) (32.9%) (30.5%) (23.6%) (43.1%) (36.8%) (23.4%) (32.1%) (52.9%) (49.6%) (135.0%) (64.1%) (145.2%) (100.8%) (43.5%) (84.6%)
Acquisition & underwriting expenses 0.4% 13.3% (2.6%) (1.1%) 7.3% 7.9% (0.1%) 0.2% (8.3%) (9.5%) (8.2%) (4.9%) (4.9%) (6.5%) 2.2% (4.3%) (3.9%) (6.8%) 3.3% (13.9%)
Profit before tax (45.7%) 59.5% 19.0% 38.4% 5.2% 20.8% 34.7% 19.6% (4.9%) (7.9%) 48.7% (3.9%) (12.0%) (18.7%) (55.6%) (38.5%) (104.5%) (70.9%) 17.0% (59.5%)
Taxation 0.5% 0.2% 12.1% (6.7%) 0.1% 0.2% 0.3% 0.1% (0.2%) 0.3% (1.5%) (5.7%) (1.3%) (0.9%) (1.0%) (4.8%) (3.2%) (0.9%) (1.1%) (7.2%)
Profit after tax (45.2%) 59.7% 31.2% 31.7% 5.4% 21.0% 35.0% 19.7% (5.2%) (7.6%) 47.2% (9.6%) (13.3%) (19.5%) (56.6%) (43.2%) (107.7%) (71.8%) 16.0% (66.6%)
Profit attributable to shareholders (45.2%) 59.7% 31.2% 31.7% 5.4% 21.0% 35.0% 19.7% (5.2%) (7.6%) 47.2% (9.6%) (13.3%) (19.5%) (56.6%) (43.2%) (107.7%) (71.8%) 16.0% (66.6%)

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. TTM = the latest four quarters added together. Updated 16 Oct 2026.

All reported line items 108
PINL income statement — all reported line items (Rs mn)
Rs mn 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 Q2 FY2024 Apr – Jun 2024 Q1 FY2024 Jan – Mar 2024 Q4 FY2023 Oct – Dec 2023 Q3 FY2023 Jul – Sep 2023
Net Premiums Earned 65.3 65.8 69.6 72.3 68.2 64.1 57.8 63.6 73.7 74.6 82.7 78.8
Fees & Commissions Income 3.7 3.0 3.1 3.3 2.8 2.7 1.1 1.1 1.1 1.1 1.2 1.1
Unearned Premiums — — — — — — — — — — (3.1) —
Investment Income/(Expense) - Net - Insurance 13.6 90.0 38.8 118.5 37.1 38.6 78.4 100.7 23.9 9.2 14.2 4.9
Investments & Loans - Business - Gain/(Loss) — — — — — — — — 0.0 — 0.0 0.0
Investment Income - Gross - Insurance - Total — — — — — — — — 24.1 — 14.3 5.2
Investment Expense - Insurance - Total — — — — — — — — 0.2 — 0.2 0.3
Investment Securities - Business - Gain/(Loss) — — — — — — — — 0.0 — 0.0 0.0
Revenue from Business-Related Activities - Other - Total 3.7 3.0 3.1 3.3 2.8 2.7 1.1 1.1 1.1 1.1 1.2 1.1
Revenue from Business Activities - Total 82.6 158.8 111.5 194.2 108.1 105.5 137.4 165.4 98.7 85.0 98.1 84.9
Insurance Claims/Reserves - Total 42.4 34.3 41.6 44.7 46.5 34.7 41.9 39.1 42.5 31.3 22.9 27.3
Insurance Benefits Paid - Current 42.4 34.3 41.6 44.7 46.5 34.7 41.9 39.1 42.5 31.3 22.9 27.3
Selling, General & Administrative Expenses - Total 50.0 41.9 42.4 66.7 52.2 32.2 49.3 97.7 58.3 29.7 50.0 71.8
Selling, General & Administrative Expenses - Unclassified 47.4 39.9 — — — — — — 56.8 — 48.2 70.2
Depreciation in Selling, General & Administrative Expenses 2.6 2.0 — — — — — — 1.5 — 1.7 1.6
Amortization of Intangibles in Selling, General & Administrative Expenses 0.0 0.0 — — — — — — 0.0 — 0.1 0.1
Underwriting Expenses (0.3) (21.1) 2.9 2.2 (7.9) (8.4) 0.1 (0.3) 8.2 8.1 8.0 4.2
Policy Acquisition Costs - Total (0.3) (21.1) 2.9 2.2 (7.9) (8.4) 0.1 (0.3) 8.2 8.1 8.0 4.2
Other Operating Expense/(Income) - Net 26.6 19.4 9.8 (3.8) 11.5 23.5 19.6 (9.2) (2.2) 20.4 6.2 (15.4)
Fee & Commission Expense - Insurance (0.3) (21.1) 2.9 2.2 (7.9) (8.4) 0.1 (0.3) 8.2 8.1 8.0 4.2
Operating Expenses - Total 118.6 74.6 96.7 109.8 102.3 82.1 110.9 127.3 106.8 89.4 87.1 87.9
Operating Profit before Non-Recurring Income/(Expense) (36.0) 84.2 14.8 84.4 5.9 23.4 26.4 38.1 (8.1) (4.4) 10.9 (3.0)
Interest Expense - Net of Capitalized Interest 0.5 0.5 0.2 0.6 0.6 0.7 0.7 0.4 0.2 0.1 0.1 0.1
Sale of Tangible & Intangible Fixed Assets - Gain/Loss 0.0 11.5 2.7 — 0.4 — 11.3 — 2.2 — 0.0 0.2
Equity Earnings/(Loss) - before Taxes including Non-Recurring (0.3) — 9.4 (6.0) (0.9) — 15.0 (0.8) — — 11.5 (0.3)
Other Non-Operating Income/(Expense) - Total (0.9) (0.8) (5.5) (3.3) 0.9 (0.8) 0.9 (4.5) — (2.1) (0.0) —
Normalized Pre-tax Profit (37.7) 94.5 21.2 74.5 5.7 22.0 53.0 32.4 (6.1) (6.7) 22.3 (3.3)
Non-Recurring Income/Expense - Total — — — — — — (5.3) 0.0 1.2 — 25.4 0.0
Impairment - Financial Investments — — — — — — — — — — 0.0 0.0
Fair Value Adjustments - Investment Property — — — — — — (5.3) 0.0 1.2 — 25.4 0.0
Provision for Income Tax Expense- Unclassified (0.4) (0.3) (13.5) 13.0 (0.1) (0.3) (0.4) (0.2) 0.2 (0.2) 1.5 —
Income before Taxes (37.7) 94.5 21.2 74.5 5.7 22.0 47.6 32.4 (4.9) (6.7) 47.7 (3.3)
Income Taxes (0.4) (0.3) (13.5) 13.0 (0.1) (0.3) (0.4) (0.2) 0.2 (0.2) 1.5 4.8
Income Taxes for the Year - Current — — — — — — — — — — — 4.8
Income Taxes - Domestic - Current — — — — — — — — — — — 0.1
Income Taxes - Other (KFAS/NLST) - Current — — — — — — — — — — — 4.8
Net Income after Tax (37.3) 94.8 34.7 61.5 5.8 22.2 48.0 32.6 (5.1) (6.5) 46.2 (8.1)
Income before Discontinued Operations & Extraordinary Items (37.3) 94.8 34.7 61.5 5.8 22.2 48.0 32.6 (5.1) (6.5) 46.2 (8.1)
Net Income before Minority Interest (37.3) 94.8 34.7 61.5 5.8 22.2 48.0 32.6 (5.1) (6.5) 46.2 (8.1)
Net Income after Minority Interest (37.3) 94.8 34.7 61.5 5.8 22.2 48.0 32.6 (5.1) (6.5) 46.2 (8.1)
Income Available to Common Shares (37.3) 94.8 34.7 61.5 5.8 22.2 48.0 32.6 (5.1) (6.5) 46.2 (8.1)
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 0.00 0.00
Net Income - Basic - including Extraordinary Items Applicable to Common - Total (37.3) 94.8 34.7 61.5 5.8 22.2 48.0 32.6 (5.1) (6.5) 46.2 (8.1)
Income available to Common excluding Extraordinary Items (37.3) 94.8 34.7 61.5 5.8 22.2 48.0 32.6 (5.1) (6.5) 46.2 (8.1)
Shares used to calculate Basic EPS - Total mn 50.6 50.6 50.6 50.4 50.6 50.6 51.9 50.9 50.6 50.6 50.6 50.6
EPS - Basic - including Extraordinary Items Applicable to Common - Total Rs (0.74) 1.87 0.69 1.22 0.11 0.44 0.92 0.64 (0.10) (0.13) 0.91 (0.16)
EPS - Basic - excluding Extraordinary Items Applicable to Common - Total Rs (0.74) 1.87 0.69 1.22 0.11 0.44 0.92 0.64 (0.10) (0.13) 0.91 (0.16)
EPS - Basic - excluding Extraordinary Items - Normalized - Total Rs (0.74) 1.87 0.69 1.22 0.11 0.44 1.03 0.64 (0.12) (0.13) 0.41 (0.16)
Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific (37.3) 94.8 34.7 61.5 5.8 22.2 48.0 32.6 (5.1) (6.5) 46.2 (8.1)
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× 1.00× 1.00×
Shares used to calculate Basic EPS - Issue Specific mn 50.6 50.6 50.6 50.4 50.6 50.6 51.9 50.9 50.6 50.6 50.6 50.6
EPS - Basic - including Extraordinary Items Applicable to Common - Issue Specific Rs (0.74) 1.87 0.69 1.22 0.11 0.44 0.92 0.64 (0.10) (0.13) 0.91 (0.16)
EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific Rs (0.74) 1.87 0.69 1.22 0.11 0.44 0.92 0.64 (0.10) (0.13) 0.91 (0.16)
EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific Rs (0.74) 1.87 0.69 1.22 0.11 0.44 1.03 0.64 (0.12) (0.13) 0.41 (0.16)
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 0.00 0.00
Net Income - Diluted - including Extraordinary Items Applicable to Common - Total (37.3) 94.8 34.7 61.5 5.8 22.2 48.0 32.6 (5.1) (6.5) 46.2 (8.1)
Diluted Income available to Common excluding Extraordinary Items (37.3) 94.8 34.7 61.5 5.8 22.2 48.0 32.6 (5.1) (6.5) 46.2 (8.1)
Shares used to calculate Diluted EPS - Total mn 50.6 50.6 50.6 50.4 50.6 50.6 51.9 50.9 50.6 50.6 50.6 50.6
EPS - Diluted - including Extraordinary Items Applicable to Common - Total Rs (0.74) 1.87 0.69 1.22 0.11 0.44 0.92 0.64 (0.10) (0.13) 0.91 (0.16)
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total Rs (0.74) 1.87 0.69 1.22 0.11 0.44 0.92 0.64 (0.10) (0.13) 0.91 (0.16)
EPS - Diluted - excluding Extraordinary Items - Normalized - Total Rs (0.74) 1.87 0.69 1.22 0.11 0.44 1.03 0.64 (0.12) (0.13) 0.41 (0.16)
Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue Specific (37.3) 94.8 34.7 61.5 5.8 22.2 48.0 32.6 (5.1) (6.5) 46.2 (8.1)
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× 1.00× 1.00×
Shares used to calculate Diluted EPS - Issue Specific mn 50.6 50.6 50.6 50.4 50.6 50.6 51.9 50.9 50.6 50.6 50.6 50.6
EPS - Diluted - including Extraordinary Items Applicable to Common - Issue Specific Rs (0.74) 1.87 0.69 1.22 0.11 0.44 0.92 0.64 (0.10) (0.13) 0.91 (0.16)
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific Rs (0.74) 1.87 0.69 1.22 0.11 0.44 0.92 0.64 (0.10) (0.13) 0.91 (0.16)
EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific Rs (0.74) 1.87 0.69 1.22 0.11 0.44 1.03 0.64 (0.12) (0.13) 0.41 (0.16)
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 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 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 0.00 0.00
Earnings before Interest & Taxes (EBIT) (36.0) 84.2 14.8 84.4 5.9 23.4 26.4 38.1 (8.1) (4.4) 10.9 (3.0)
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) (33.4) 86.2 16.5 86.7 7.9 25.4 28.4 40.0 (6.6) (4.4) 12.7 (1.4)
Depreciation & Amortization - Supplemental 2.6 2.0 1.8 2.3 2.1 2.0 2.0 1.9 1.5 — 1.8 1.6
Depreciation Expense - Total - Supplemental 2.6 2.0 1.7 2.3 2.1 2.0 1.9 1.8 1.5 — 1.7 1.5
Depreciation - Financial Lease Right-of-Use Assets - Supplemental 0.3 0.3 0.3 0.3 0.3 0.3 0.3 0.3 — — 0.4 0.2
Amortization - Total - Supplemental 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 — 0.1 0.1
Intangible Amortization - Other - Supplemental 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 — — 0.1 0.1
Depreciation, Depletion & Amortization - Total 2.6 2.0 1.8 2.3 2.1 2.0 2.0 1.9 1.5 — 1.8 1.6
Depreciation - Total 2.6 2.0 1.7 2.3 2.1 2.0 1.9 1.8 1.5 — 1.7 1.5
Amortization of Intangible Assets excluding Goodwill - Total 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 — 0.1 0.1
Normalized after Tax Profit (37.3) 94.8 34.7 61.5 5.8 22.2 53.3 32.6 (6.3) (6.5) 20.8 (8.1)
Normalized Net Income from Continuing Operations (37.3) 94.8 34.7 61.5 5.8 22.2 53.3 32.6 (6.3) (6.5) 20.8 (8.1)
Normalized Net Income - Bottom Line (37.3) 94.8 34.7 61.5 5.8 22.2 53.3 32.6 (6.3) (6.5) 20.8 (8.1)
Earnings before Interest & Taxes (EBIT) - Normalized (37.2) 94.9 21.4 75.1 6.3 22.6 53.6 32.8 (5.9) (6.6) 22.4 (3.2)
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized (34.6) 97.0 23.2 77.4 8.4 24.6 55.6 34.7 (4.4) — 24.2 (1.5)
Depreciation of Financial Lease Right-of-Use Assets 0.3 0.3 0.3 0.3 0.3 0.3 0.3 0.3 — — 0.4 0.2
Interest Expense on Financial Lease Liabilities - Supplemental 0.5 0.5 0.2 0.6 0.6 0.7 0.7 0.4 0.2 0.1 0.1 0.1
Interest Expense 0.5 0.5 0.2 0.6 0.6 0.7 0.7 0.4 0.2 0.1 0.1 0.1
Investment Income - Insurance 13.6 90.0 38.8 118.5 37.1 38.6 78.4 100.7 23.9 9.2 14.2 4.9
Losses, Benefits & Adjustments - Insurance 42.4 34.3 41.6 44.7 46.5 34.7 41.9 39.1 42.5 31.3 22.9 27.3
Operating Expenses 118.6 74.6 96.7 109.8 102.3 82.1 110.9 127.3 106.8 89.4 87.1 87.9
Premiums Ceded Out & Unearned - Total — — — — — — — — — — (3.1) —
Selling, General & Administrative Expenses excluding Research & Development Expenses 50.0 41.9 42.4 66.7 52.2 32.2 49.3 97.7 58.3 29.7 50.0 71.8
Total Claim & Loss Expense 42.4 34.3 41.6 44.7 46.5 34.7 41.9 39.1 42.5 31.3 22.9 27.3
Underwriting & Commissions (0.3) (21.1) 2.9 2.2 (7.9) (8.4) 0.1 (0.3) 8.2 8.1 8.0 4.2
Underwriting Expenses - Insurance 76.6 61.3 52.3 62.9 63.7 55.7 69.0 88.5 56.1 50.1 56.2 56.4
Income before Taxes & Provision for Loan Losses (37.7) 94.5 21.2 74.5 5.7 22.0 47.6 32.4 (4.9) (6.7) 47.7 (3.3)
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 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 0.00 0.00
Tax Adjusted Operating Income — 95.2 35.1 62.0 6.4 22.9 48.7 33.0 — — 46.4 —
Underwriting Expenses minus Losses, Benefits & Adjustments - Insurance 34.2 27.0 10.7 18.3 17.2 21.0 27.1 49.3 13.6 18.8 33.3 29.2
Operating Expenses excluding Non-Cash Charges - Total 116.0 72.6 94.9 107.4 100.2 80.1 109.0 125.4 105.3 — 85.4 86.3
Premiums Earned - Total 69.0 68.8 72.7 75.6 71.0 66.8 58.9 64.7 74.8 75.7 83.9 79.9
Losses, Benefits & Adjustments - Total 42.1 13.3 44.4 46.8 38.6 26.4 42.0 38.8 50.7 39.3 30.9 31.4
Income Available to Common Shares before Depreciation & Amortization (34.7) 96.8 36.5 63.8 7.9 24.2 50.0 34.5 (3.6) — 48.0 (6.5)
Fixed Charges 0.5 0.5 0.2 0.6 0.6 0.7 0.7 0.4 0.2 0.1 0.1 0.1
Estimated Tax Rate 0.29× 0.29× 0.29× 0.29× 0.29× 0.29× 0.29× 0.29× 0.29× 0.29× 0.29× 0.29×
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 0.00 0.00

Every line the company reported, in the original order and wording, without regrouping or signs changed. Latest 12 periods; the table above goes back further.