RICL Reliance Insurance Company Limited
Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026
Last close · 16 Oct 2026
Rs 11.51 -1.79%
Financials
Reliance Insurance Company Limited (RICL) financials
10 years of annual results (FY2016 – FY2025), 30 quarters.
Reliance Insurance Company Limited (RICL) reported total income of Rs 860.5 mn for FY2025 (Jan – Dec 2025), up 13.6% from FY2024.
Profit attributable to shareholders was Rs 464.9 mn (EPS Rs 3.56), up 54.0%.
No cash dividend was declared for FY2025.
Return on equity was 25.4%.
Over the last five years total income grew at a compound 3.6% a year.
At Rs 11.51 (close on 16 Oct 2026) the shares trade at 2.9× earnings (TTM to Jun 2026) and 0.66× book value.
Fundamentals
RICL at a glance
Net premium earned · FY2025
Rs 596.6 mn
▲ 9.2% year on year
Profit attributable to shareholders · FY2025
Rs 464.9 mn
▲ 54.0% year on year
EPS – basic (Rs) · FY2025
Rs 3.56
▲ 54.0% year on year
Dividend per share (Rs) · FY2025
Rs 0.00
Investments · FY2025
Rs 1.7 bn
▲ 29.4% year on year
Return on equity (ROE) · FY2025
25.4%
+3.8 pts year on year
Financial statements
Income statement
Revenue, costs, profit and earnings per share.
- Total income · FY2025
- Rs 860.5 mn
- Profit attributable · FY2025
- Rs 464.9 mn
Balance sheet
Assets, liabilities, debt and shareholders' equity.
- Total assets · FY2025
- Rs 3.8 bn
- Equity · FY2025
- Rs 2.1 bn
Financial highlights
RICL 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 | 596.6 | 546.5 | 460.7 | 360.5 | 303.1 | 639.0 | 347.8 | 348.2 | 357.7 | 359.4 |
| Investment income (net) | 114.9 | 137.3 | 246.0 | 67.4 | 74.7 | 83.5 | 92.7 | 46.7 | (40.1) | 99.0 |
| Net claims & benefits | (139.5) | (152.8) | (139.1) | (93.6) | (64.2) | (76.4) | (87.2) | (87.2) | (88.2) | (101.7) |
| Profit before tax | 557.6 | 436.2 | 257.0 | 67.6 | 70.5 | 83.6 | 96.4 | 60.1 | (17.6) | 115.5 |
| Profit attributable to shareholders | 464.9 | 301.9 | 171.9 | 44.1 | 53.0 | 68.5 | 71.2 | 49.0 | (38.8) | 100.7 |
| EPS – basic (Rs) Rs | 3.56 | 2.31 | 1.32 | 0.34 | 0.41 | 0.56 | 0.59 | 0.40 | (0.32) | 0.83 |
| Dividend per share (Rs) Rs | 0.00 | 0.00 | 0.51 | 0.24 | 0.23 | 0.00 | 0.00 | 0.00 | 0.00 | 0.20 |
| Investments | 1,699.6 | 1,313.7 | 952.6 | 794.0 | 837.9 | 813.5 | 777.3 | 711.1 | 704.2 | 778.4 |
| Total assets | 3,814.1 | 2,945.0 | 2,312.5 | 1,888.9 | 1,847.7 | 1,714.0 | 1,595.5 | 1,658.7 | 1,791.1 | 1,811.5 |
| Total equity | 2,083.2 | 1,572.4 | 1,222.4 | 1,060.3 | 1,048.1 | 997.6 | 933.5 | 855.9 | 798.9 | 863.5 |
| 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 | 662.4 | 179.3 | 176.3 | 151.5 | 155.3 | 153.6 | 136.1 | 141.1 | 134.2 |
| Investment income (net) | 103.3 | 23.8 | 21.7 | 21.9 | 35.9 | 20.4 | 36.8 | 151.8 | 45.8 |
| Net claims & benefits | (150.2) | (43.2) | (24.8) | (44.9) | (37.4) | (37.9) | (19.4) | (39.9) | (46.1) |
| Profit before tax | 494.0 | 189.0 | (46.2) | 65.3 | 285.9 | 114.2 | 92.1 | 131.9 | 52.9 |
| Profit attributable to shareholders | 511.8 | 136.7 | 58.9 | 115.4 | 200.8 | 55.7 | 93.0 | 58.3 | 36.1 |
| EPS – basic (Rs) Rs | 3.92 | 1.05 | 0.45 | 0.89 | 1.54 | 0.42 | 0.71 | 0.45 | 0.28 |
| Dividend per share (Rs) Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investments | 1,698.8 | 1,698.8 | 1,479.0 | 1,699.6 | 1,620.5 | 1,345.5 | 1,301.1 | 1,313.7 | 1,030.3 |
| Total assets | 4,048.3 | 4,048.3 | 3,641.2 | 3,814.1 | 3,677.3 | 3,249.5 | 2,957.7 | 2,945.0 | 2,544.8 |
| Total equity | 2,269.6 | 2,269.6 | 2,091.3 | 2,083.2 | 1,972.7 | 1,723.4 | 1,667.7 | 1,572.4 | 1,440.0 |
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. Updated 16 Oct 2026.