Last close · 16 Oct 2026
Rs 10.78 -0.28%
Annual · FY2012 – FY2025
The United Insurance Company (UNIC) financial ratios
The United Insurance Company earned a net margin of 29.1% in FY2025 against a five-year average of 29.5% (Insurance median 11.2%). Return on equity was 18.6%, compared with a sector median of 14.1%.
FY2025 vs the Insurance median
- Net margin
- 29.1%
- Sector median 11.2%
- Return on equity (ROE)
- 18.6%
- Sector median 14.1%
- Return on assets (ROA)
- 7.9%
- Sector median 3.5%
- Debt to equity
- 1.6%
- Sector median 2.4%
- Dividend payout ratio
- 0.0%
- Sector median 0.0%
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 | 44.6% | 49.8% | 36.4% | 34.3% | 37.9% | 27.7% | 23.3% | 21.8% | 17.7% | 14.2% | 30.7% | 31.7% | 25.4% | 22.7% |
| Net margin | 29.1% | 36.1% | 26.7% | 26.4% | 29.0% | 21.5% | 15.4% | 15.1% | 10.6% | 11.1% | 28.0% | 28.8% | 22.5% | 19.5% |
| Effective tax rate | 34.8% | 27.4% | 26.6% | 23.1% | 23.5% | 22.4% | 34.1% | 30.8% | 40.0% | 21.9% | 8.8% | 9.3% | 11.4% | 14.1% |
| Returns | ||||||||||||||
| Return on equity (ROE) | 18.6% | 36.7% | 20.7% | 20.4% | 19.1% | 10.4% | 11.5% | 13.3% | 10.9% | 11.5% | 31.2% | 31.7% | 23.5% | — |
| Return on assets (ROA) | 7.9% | 13.6% | 7.5% | 7.9% | 8.0% | 4.6% | 5.3% | 5.9% | 5.0% | 5.4% | 12.6% | 11.8% | 10.1% | — |
| Leverage | ||||||||||||||
| Debt to equity | 1.6% | 3.1% | 1.0% | 1.8% | 2.1% | 2.2% | 2.0% | 1.7% | 2.6% | 3.1% | 4.8% | 3.9% | 1.9% | 3.3% |
| Debt to capital | 1.6% | 3.0% | 1.0% | 1.7% | 2.1% | 2.2% | 2.0% | 1.6% | 2.5% | 3.0% | 4.6% | 3.7% | 1.8% | 3.2% |
| Debt to assets | 0.7% | 1.1% | 0.4% | 0.6% | 0.9% | 0.9% | 1.0% | 0.8% | 1.1% | 1.5% | 2.2% | 1.4% | 0.8% | 1.5% |
| Assets to equity | 2.34× | 2.71× | 2.77× | 2.57× | 2.37× | 2.25× | 2.16× | 2.24× | 2.18× | 2.14× | 2.49× | 2.69× | 2.33× | — |
| Dividends | ||||||||||||||
| Dividend payout ratio | 0.0% | 51.3% | 120.7% | 112.0% | 36.5% | 42.7% | 0.0% | 0.0% | 61.7% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Earnings retention rate | 1.00× | 0.49× | (0.21×) | (0.12×) | 0.64× | 0.57× | 1.00× | 1.00× | 0.38× | 1.00× | 1.00× | 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.
UNIC: frequently asked questions
What is UNIC's EPS?
The United Insurance Company reported basic earnings per share of Rs 3.02 for FY2025 (Jan – Dec 2025).
What is UNIC's P/E ratio?
At the closing price of Rs 10.78 on 16 Oct 2026, UNIC trades at a P/E of 3.6× based on EPS of Rs 3.02 (FY2025).
Does UNIC pay dividends?
The United Insurance Company did not declare a cash dividend for FY2025.
What was UNIC's total income and profit in FY2025?
The United Insurance Company reported total income of Rs 5.2 bn and profit attributable to shareholders of Rs 1.5 bn for FY2025 (Jan – Dec 2025).
What is UNIC's book value per share?
The United Insurance Company's book value per share was Rs 20.42 at the end of FY2025. The shares trade at 0.53× book value.
Information only, not investment advice.