Last close · 16 Oct 2026
Rs 18.50 0.00%
Financials
The Universal Insurance Company Limited (UVIC) financials
9 years of annual results (FY2017 – FY2025).
The Universal Insurance Company Limited (UVIC) reported total income of Rs 72.3 mn for FY2025 (Jan – Dec 2025).
Profit attributable to shareholders was Rs 40.2 mn (EPS Rs 0.80).
No cash dividend was declared for FY2025.
Return on equity was 5.8%.
Over the last five years total income grew at a compound -1.5% a year.
At Rs 18.50 (close on 16 Oct 2026) the shares trade at 23.0× earnings (FY2025) and 1.27× book value.
Fundamentals
UVIC at a glance
Net premium earned · FY2025
Rs 44.1 mn
▲ 149.0% year on year
Profit attributable to shareholders · FY2025
Rs 40.2 mn
EPS – basic (Rs) · FY2025
Rs 0.80
Dividend per share (Rs) · FY2025
Rs 0.00
Investments · FY2025
Rs 547.7 mn
▲ 31.0% year on year
Return on equity (ROE) · FY2025
5.8%
+6.5 pts year on year
Financial statements
Income statement
Revenue, costs, profit and earnings per share.
- Total income · FY2025
- Rs 72.3 mn
- Profit attributable · FY2025
- Rs 40.2 mn
Balance sheet
Assets, liabilities, debt and shareholders' equity.
- Total assets · FY2025
- Rs 908.0 mn
- Equity · FY2025
- Rs 727.2 mn
Financial highlights
UVIC 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 |
|---|---|---|---|---|---|---|---|---|---|
| Net premium earned | 44.1 | 17.7 | 45.6 | 74.3 | 75.2 | 67.2 | 68.1 | 33.2 | 12.5 |
| Investment income (net) | 26.9 | (22.1) | 6.1 | 14.7 | 13.9 | 9.8 | 13.6 | (12.0) | (4.9) |
| Net claims & benefits | 16.5 | (4.5) | (24.6) | (64.8) | (40.7) | (35.8) | 19.6 | (2.4) | 9.0 |
| Profit before tax | 40.5 | (13.0) | (48.9) | (147.3) | 45.3 | (109.5) | 4.4 | 19.5 | 45.4 |
| Profit attributable to shareholders | 40.2 | (4.8) | (154.9) | (111.0) | 40.4 | (87.8) | 2.3 | 16.0 | 41.5 |
| EPS – basic (Rs) Rs | 0.80 | (0.10) | (3.10) | (2.22) | 0.81 | (1.76) | 0.05 | 0.32 | 0.98 |
| Dividend per share (Rs) Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investments | 547.7 | 418.2 | 103.3 | 157.1 | 201.5 | 221.0 | 211.6 | 197.2 | 151.8 |
| Total assets | 908.0 | 851.4 | 859.3 | 948.2 | 992.8 | 985.5 | 953.8 | 926.9 | 920.7 |
| Total equity | 727.2 | 668.9 | 668.0 | 729.7 | 840.2 | 829.7 | 822.1 | 808.1 | 779.6 |
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 15 Oct 2026.