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Insurance

PKGI The Pakistan General Insurance Co. Ltd.

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

Last close · 16 Oct 2026

Rs 24.75 -1.16%

Annual · FY2016 – FY2025

The Pakistan General Insurance Co. Ltd. (PKGI) income statement

The Pakistan General Insurance Co. Ltd. reported total income of Rs 149.1 mn for FY2025 (Jan – Dec 2025), up 648.0% on FY2024. Tax of -Rs 1.8 mn took -6.9% of pre-tax profit. Profit attributable to shareholders was Rs 28.4 mn, down 10.8% on FY2024, or Rs 0.57 per share.

PKGI 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
Net premium earned 135.4 7.5 0.0 0.0 0.0 0.0 (18.0) (5.2) 287.6 251.0
Investment income (net) 7.1 5.8 4.7 3.2 3.6 4.9 3.3 8.4 12.0 15.9
Total income 149.1 19.9 6.4 8.1 68.7 12.9 1.9 22.6 316.0 277.7
Net claims & benefits (15.9) (2.9) — 0.0 0.0 0.0 41.2 6.8 (4.1) (84.9)
Profit before tax 26.6 31.4 67.8 (29.7) 5.0 (41.8) (46.9) (128.6) 60.2 43.9
Taxation 1.8 0.4 2.7 0.9 8.1 0.0 27.4 7.2 (20.0) (11.0)
Profit after tax 28.4 31.8 70.5 (28.8) 13.1 (41.8) (19.5) (121.4) 40.2 32.9
Profit attributable to shareholders 28.4 31.8 70.5 (28.8) 13.1 (41.8) (19.5) (121.4) 40.2 32.9
Per share
EPS – basic (Rs) Rs 0.57 0.64 1.52 (0.62) 0.28 (0.90) (0.42) (2.62) 0.87 0.82
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
PKGI 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
Net premium earned +1,695.6% — — — — — — -101.8% +14.6% —
Investment income (net) +22.5% +22.2% +49.5% -12.4% -26.4% +47.1% -60.4% -29.9% -24.5% —
Total income +648.0% +212.5% -20.8% -88.3% +430.5% +586.7% -91.7% -92.9% +13.8% —
Net claims & benefits +439.2% — — — — — — -263.1% -95.1% —
Profit before tax -15.4% -53.7% — -691.9% — — — -313.6% +37.1% —
Taxation — — — — — — — -136.3% +81.9% —
Profit after tax -10.8% -54.9% — -320.0% — — — -401.6% +22.2% —
Profit attributable to shareholders -10.8% -54.9% — -320.0% — — — -401.6% +22.2% —
Per share
EPS – basic (Rs) -10.8% -58.1% — -320.0% — — — -401.6% +5.3% —
Dividend per share (Rs) — — — — — — — — — —

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

PKGI 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
Net premium earned 90.8% 37.8% 0.0% 0.0% 0.0% 0.0% (953.9%) (22.8%) 91.0% 90.4%
Investment income (net) 4.8% 29.0% 74.2% 39.3% 5.3% 37.9% 176.9% 37.3% 3.8% 5.7%
Total income 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0%
Net claims & benefits (10.7%) (14.8%) — 0.0% 0.0% 0.0% 2,186.3% 29.9% (1.3%) (30.6%)
Profit before tax 17.8% 157.5% 1,063.0% (368.7%) 7.3% (323.0%) (2,489.2%) (569.5%) 19.1% 15.8%
Taxation 1.2% 2.1% 41.9% 11.2% 11.8% 0.0% 1,452.9% 32.1% (6.3%) (4.0%)
Profit after tax 19.0% 159.6% 1,104.9% (357.4%) 19.1% (323.0%) (1,036.4%) (537.4%) 12.7% 11.9%
Profit attributable to shareholders 19.0% 159.6% 1,104.9% (357.4%) 19.1% (323.0%) (1,036.4%) (537.4%) 12.7% 11.9%

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 95
PKGI 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 135.4 7.5 0.0 0.0 0.0 0.0 (18.0) (5.2) 287.6 251.0
Fees & Commissions Income 4.3 3.4 1.6 2.6 2.0 2.4 1.4 1.7 2.1 2.5
Fees & Commissions Expense 36.1 2.8 — — — — 11.4 49.4 56.7 29.9
Investment Income/(Expense) - Net - Insurance 7.1 5.8 4.7 3.2 3.6 4.9 3.3 8.4 12.0 15.9
Investment Income - Gross - Insurance - Total 7.1 5.8 4.7 3.2 3.6 4.9 3.3 8.4 12.0 15.9
Revenue from Business-Related Activities - Other - Total 6.6 6.6 1.6 4.9 65.0 8.0 16.5 19.3 16.3 10.8
Revenue from Business Activities - Total 149.1 19.9 6.4 8.1 68.7 12.9 1.9 22.6 316.0 277.7
Insurance Claims/Reserves - Total 15.9 2.9 — 0.0 0.0 0.0 (41.2) (6.8) 4.1 84.9
Insurance Benefits Paid - Current 15.9 2.9 — 0.0 0.0 0.0 (41.2) (6.8) 4.1 84.9
Selling, General & Administrative Expenses - Total 70.0 29.9 56.5 37.3 35.5 19.6 23.5 48.8 126.4 65.5
Selling, General & Administrative Expenses - Unclassified 31.9 8.7 8.8 9.7 — — — — — —
Depreciation in Selling, General & Administrative Expenses 4.0 2.8 6.0 6.6 — — — — — —
Amortization of Intangibles in Selling, General & Administrative Expenses 0.4 — — — — — — — — —
Other Operating Expense/(Income) - Net — — — — 28.1 35.0 54.9 50.8 63.7 53.0
Other Operating Income - Total — — — — — — — 0.0 — —
Operating Expenses - Total 122.0 35.7 56.5 37.3 63.6 54.7 48.7 142.3 251.0 233.3
Labor & Related Expenses including Stock-Based Compensation in Selling, General & Administrative Expenses 33.6 18.4 41.6 21.0 35.5 19.6 23.5 48.8 126.4 65.5
Operating Profit before Non-Recurring Income/(Expense) 27.1 (15.8) (50.1) (29.2) 5.1 (41.7) (46.8) (119.7) 65.0 44.4
Other Operating Expense — — — — 28.1 35.0 54.9 50.8 63.7 53.0
Interest Expense - Net of Capitalized Interest 0.1 0.1 0.0 0.0 0.1 0.1 0.1 8.9 4.8 0.5
Sale of Tangible & Intangible Fixed Assets - Gain/Loss 1.3 0.0 0.1 1.9 — — — — — —
Other Non-Operating Income/(Expense) - Total (1.7) (0.1) — — — — — — — —
Normalized Pre-tax Profit 26.6 (16.0) (50.0) (27.4) 5.0 (41.8) (46.9) (128.6) 60.2 43.9
Non-Recurring Income/Expense - Total 0.0 47.4 117.8 (2.3) — — — — — —
Fair Value Adjustments - Investment Property 0.0 47.4 117.8 (2.3) — — — — — —
Provision for Income Tax Expense- Unclassified (1.8) (0.4) (2.7) (0.9) (8.1) 0.0 (27.4) (7.2) 20.0 11.0
Income before Taxes 26.6 31.4 67.8 (29.7) 5.0 (41.8) (46.9) (128.6) 60.2 43.9
Income Taxes (1.8) (0.4) (2.7) (0.9) (8.1) 0.0 (27.4) (7.2) 20.0 11.0
Net Income after Tax 28.4 31.8 70.5 (28.8) 13.1 (41.8) (19.5) (121.4) 40.2 32.9
Income before Discontinued Operations & Extraordinary Items 28.4 31.8 70.5 (28.8) 13.1 (41.8) (19.5) (121.4) 40.2 32.9
Net Income before Minority Interest 28.4 31.8 70.5 (28.8) 13.1 (41.8) (19.5) (121.4) 40.2 32.9
Net Income after Minority Interest 28.4 31.8 70.5 (28.8) 13.1 (41.8) (19.5) (121.4) 40.2 32.9
Income Available to Common Shares 28.4 31.8 70.5 (28.8) 13.1 (41.8) (19.5) (121.4) 40.2 32.9
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 28.4 31.8 70.5 (28.8) 13.1 (41.8) (19.5) (121.4) 40.2 32.9
Income available to Common excluding Extraordinary Items 28.4 31.8 70.5 (28.8) 13.1 (41.8) (19.5) (121.4) 40.2 32.9
Shares used to calculate Basic EPS - Total mn 50.0 50.0 46.4 46.4 46.4 46.4 46.4 46.4 46.4 40.0
EPS - Basic - including Extraordinary Items Applicable to Common - Total Rs 0.57 0.64 1.52 (0.62) 0.28 (0.90) (0.42) (2.62) 0.87 0.82
EPS - Basic - excluding Extraordinary Items Applicable to Common - Total Rs 0.57 0.64 1.52 (0.62) 0.28 (0.90) (0.42) (2.62) 0.87 0.82
EPS - Basic - excluding Extraordinary Items - Normalized - Total Rs 0.57 (0.31) (1.02) (0.57) 0.28 (0.90) (0.42) (2.62) 0.87 0.82
Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific 28.4 31.8 70.5 (28.8) 13.1 (41.8) (19.5) (121.4) 40.2 32.9
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 50.0 50.0 46.4 46.4 46.4 46.4 46.4 46.4 46.4 40.0
EPS - Basic - including Extraordinary Items Applicable to Common - Issue Specific Rs 0.57 0.64 1.52 (0.62) 0.28 (0.90) (0.42) (2.62) 0.87 0.82
EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific Rs 0.57 0.64 1.52 (0.62) 0.28 (0.90) (0.42) (2.62) 0.87 0.82
EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific Rs 0.57 (0.31) (1.02) (0.57) 0.28 (0.90) (0.42) (2.62) 0.87 0.82
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
Net Income - Diluted - including Extraordinary Items Applicable to Common - Total 28.4 31.8 70.5 (28.8) 13.1 (41.8) (19.5) (121.4) 40.2 32.9
Diluted Income available to Common excluding Extraordinary Items 28.4 31.8 70.5 (28.8) 13.1 (41.8) (19.5) (121.4) 40.2 32.9
Shares used to calculate Diluted EPS - Total mn 50.0 50.0 46.4 46.4 46.4 46.4 46.4 46.4 46.4 40.0
EPS - Diluted - including Extraordinary Items Applicable to Common - Total Rs 0.57 0.64 1.52 (0.62) 0.28 (0.90) (0.42) (2.62) 0.87 0.82
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total Rs 0.57 0.64 1.52 (0.62) 0.28 (0.90) (0.42) (2.62) 0.87 0.82
EPS - Diluted - excluding Extraordinary Items - Normalized - Total Rs 0.57 (0.31) (1.02) (0.57) 0.28 (0.90) (0.42) (2.62) 0.87 0.82
Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue Specific 28.4 31.8 70.5 (28.8) 13.1 (41.8) (19.5) (121.4) 40.2 32.9
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 50.0 50.0 46.4 46.4 46.4 46.4 46.4 46.4 46.4 40.0
EPS - Diluted - including Extraordinary Items Applicable to Common - Issue Specific Rs 0.57 0.64 1.52 (0.62) 0.28 (0.90) (0.42) (2.62) 0.87 0.82
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific Rs 0.57 0.64 1.52 (0.62) 0.28 (0.90) (0.42) (2.62) 0.87 0.82
EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific Rs 0.57 (0.31) (1.02) (0.57) 0.28 (0.90) (0.42) (2.62) 0.87 0.82
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) 27.1 (15.8) (50.1) (29.2) 5.1 (41.7) (46.8) (119.7) 65.0 44.4
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) 31.5 (13.0) (44.1) (22.7) 5.1 (41.7) (46.8) (119.7) 65.0 44.4
Depreciation & Amortization - Supplemental 4.4 2.8 6.0 6.6 — — — — — —
Depreciation Expense - Total - Supplemental 4.0 2.8 6.0 6.6 — — — — — —
Amortization - Total - Supplemental 0.4 — — — — — — — — —
Intangible Amortization - Other - Supplemental 0.4 — — — — — — — — —
Depreciation, Depletion & Amortization - Total 4.4 2.8 6.0 6.6 — — — — — —
Depreciation - Total 4.0 2.8 6.0 6.6 — — — — — —
Amortization of Intangible Assets excluding Goodwill - Total 0.4 — — — — — — — — —
Normalized after Tax Profit 28.4 (15.6) (47.4) (26.5) 13.1 (41.8) (19.5) (121.4) 40.2 32.9
Normalized Net Income from Continuing Operations 28.4 (15.6) (47.4) (26.5) 13.1 (41.8) (19.5) (121.4) 40.2 32.9
Normalized Net Income - Bottom Line 28.4 (15.6) (47.4) (26.5) 13.1 (41.8) (19.5) (121.4) 40.2 32.9
Earnings before Interest & Taxes (EBIT) - Normalized 26.7 (15.9) (50.0) (27.4) 5.1 (41.7) (46.8) (119.7) 65.0 44.4
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized 31.1 (13.0) (43.9) (20.8) — — — — — —
Interest Expense 0.1 0.1 0.0 0.0 0.1 0.1 0.1 8.9 4.8 0.5
Investment Income - Insurance 7.1 5.8 4.7 3.2 3.6 4.9 3.3 8.4 12.0 15.9
Losses, Benefits & Adjustments - Insurance 15.9 2.9 — 0.0 0.0 0.0 (41.2) (6.8) 4.1 84.9
Operating Expenses 122.0 35.7 56.5 37.3 63.6 54.7 48.7 142.3 251.0 233.3
Selling, General & Administrative Expenses excluding Research & Development Expenses 70.0 29.9 56.5 37.3 35.5 19.6 23.5 48.8 126.4 65.5
Total Claim & Loss Expense 15.9 2.9 — 0.0 0.0 0.0 (41.2) (6.8) 4.1 84.9
Underwriting Expenses - Insurance 106.1 32.8 56.5 37.3 63.6 54.7 89.9 149.1 246.8 148.4
Income before Taxes & Provision for Loan Losses 26.6 31.4 67.8 (29.7) 5.0 (41.8) (46.9) (128.6) 60.2 43.9
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 28.5 31.9 70.5 — 13.2 — — — 43.4 33.3
Underwriting Expenses minus Losses, Benefits & Adjustments - Insurance 90.2 29.8 — 37.3 63.6 54.7 131.1 155.8 242.7 63.5
Operating Expenses excluding Non-Cash Charges - Total 117.6 32.9 50.4 30.7 — — — — — —
Premiums Earned - Total 142.0 14.1 1.6 4.9 65.0 8.0 (1.4) 14.2 303.9 261.8
Losses, Benefits & Adjustments - Total 15.9 2.9 — 0.0 0.0 0.0 (41.2) (6.8) 4.1 84.9
Income Available to Common Shares before Depreciation & Amortization 32.8 34.6 76.5 (22.2) — — — — — —
Fixed Charges 0.1 0.1 0.0 0.0 0.1 0.1 0.1 8.9 4.8 0.5
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.