Adamjee Life Assurance Company Limited (ALIFE) Financial Statements, Ratios & Dividends
About
Adamjee Life Assurance Co. Ltd. provides life insurance services. It operates through the following business segments: Conventional, Accident and Health, Non-Unitized Investment Linked, Unit Linked, Individual Family Takaful and Group Family Takaful Business. The Conventional Business segment includes individual life, group life and group credit life assurance. The Accident and Health Business segment provides fixed pecuniary benefits or benefits in the nature of indemnity or a combination of both in case of accident or sickness to individuals. The Individual Life Non-unitised Investment Linked Business segment provides life assurance coverage to individuals under universal life policies issued by the company. The Individual Life Unit Linked Business segment provides life assurance coverage to individuals under unit-linked investment policies issued by the company. The Unit Linked Takaful segment provide Shariah compliant financial protection and investment vehicle to individual participants. The Group Family Takaful Business segment provides coverage to members or employees of business enterprises and corporate entities, against death and disability under group life assurance schemes issued by the company. The company was founded on August 4, 2008 and is headquartered in Karachi, Pakistan.
Financial Highlights
| FY2025 | FY2024 | ||
|---|---|---|---|
| Revenue | 51.71B | 51.17B | |
| Net Income | 1.31B | 1.55B | |
| EPS | 5.01 | 5.64 | |
| ROE | 22.34% | 31.56% | |
| ROA | 1.05% | 1.53% | |
| Net Margin | 2.54% | 3.04% | |
| Current Ratio | 0.89 | 0.90 | |
| DPS | 2.50 | 1.90 | |
| Free Cash Flow | -1.08B | 5.09B |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Total Revenue | 51.71B | 51.17B | |
| SG&A Expenses | -5.31B | -4.83B | |
| Other Operating Expense | 4.69B | 5.79B | |
| Total Operating Expense | -49.50B | -48.69B | |
| Operating Income (EBIT) | 2.21B | 2.49B | |
| Interest Income | 0 | 0 | |
| Interest Expense | -93.66M | -32.41M | |
| Equity in Earnings | 0 | 0 | |
| Other Non-Operating Income | 4.57M | -2.32M | |
| Total Non-Operating Income | -64.82M | 48.55M | |
| Pre-Tax Income | 2.14B | 2.54B | |
| Income Tax | -830.47M | -981.93M | |
| Minority Interest | 0 | 0 | |
| Net Income | 1.31B | 1.55B | |
| EPS (Basic) | 5.01 | 5.64 | |
| EPS (Diluted) | 5.01 | 5.64 | |
| Operating Margin | 4.27% | 4.86% | |
| Pre-Tax Margin | 4.15% | 4.96% | |
| Net Margin | 2.54% | 3.04% |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Profitability | |||
| Return on Equity (ROE) | 22.34% | 31.56% | |
| Return on Assets (ROA) | 1.05% | 1.53% | |
| Return on Invested Capital | 20.57% | 29.78% | |
| Operating Margin | 4.27% | 4.86% | |
| Net Margin | 2.54% | 3.04% | |
| Pre-Tax Margin | 4.15% | 4.96% | |
| Liquidity | |||
| Current Ratio | 0.89 | 0.90 | |
| Leverage | |||
| Debt / Equity | 0.09 | 0.12 | |
| Debt / Assets | 0.00 | 0.01 | |
| LT Debt / Equity | 0.07 | 0.10 | |
| LT Debt / Assets | 0.00 | 0.00 | |
| Net Debt | -5.84B | -5.59B | |
| Total Debt | 569.12M | 660.90M | |
| Efficiency | |||
| Asset Turnover | 0.41 | 0.51 | |
| Per Share | |||
| Book Value Per Share | 24.13 | 20.70 | |
| Tangible Book Per Share | 24.05 | 20.61 | |
| Total Debt Per Share | 2.17 | 2.40 | |
| Working Capital Per Share | -4.22 | -3.47 | |
| Shares & Market | |||
| Total Shares Outstanding | 262,500,000 | 262,499,985 | |
| Market Cap | 8.27B | 7.75B | |
| Enterprise Value | 8.84B | 8.79B | |
| Employees | 1,991 | 1,797 | |
| Shareholders | 735 | 735 | |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Dividends Per Share | 2.50 | 1.90 | |
| Dividend Yield | 7.94% | 6.46% | |
| Payout Ratio | 49.93% | 33.78% | |
| Total Dividends Paid | -512.52M | -499.94M |
| FY2025 | FY2024 | ||
|---|---|---|---|
| P/E Ratio | 6.29 | 5.23 | |
| P/B Ratio | 1.31 | 1.43 | |
| P/S Ratio | 0.16 | 0.16 | |
| P/CF Ratio | — | 1.56 | |
| Market Cap | 8.27B | 7.75B | |
| Enterprise Value | 8.84B | 8.79B |
| TTM | ||
|---|---|---|
| Income | ||
| Revenue | 50.16B | |
| Operating Income | 1.81B | |
| Net Income | 1.16B | |
| Free Cash Flow | -4.68B | |
| EPS (Basic) | 4.42 | |
| Margins | ||
| Operating Margin | 3.61% | |
| Net Margin | 2.32% | |
| Returns | ||
| Return on Equity (ROE) | 19.06% | |
| ROIC | 0.18% | |
| Coverage & Debt | ||
| Dividend Coverage | -24.84 | |
| Debt / Revenue | 0.01 | |
| Valuation & Scores | ||
| P/E (TTM) | 6.68 | |
| Sloan Ratio | -6.41 | |
| Zmijewski Score | 1.04 | |
Computed Metrics (Latest Period)
| FY2025 | ||
|---|---|---|
| Extended Returns | ||
| Return on Common Equity | 22.34% | |
| Return on Tangible Equity | 22.42% | |
| Return on Tangible Assets | 1.05% | |
| Return on Total Capital | 34.00% | |
| ROCE | 1.91% | |
| Growth | ||
| EPS Diluted Growth | -0.15% | |
| Sustainable Growth Rate | 11.19% | |
| Quality & Risk Scores | ||
| Zmijewski Score | 1.04 | |
| Sloan Ratio | 0.22 | |
| Valuation (Computed) | ||
| Graham Number | 52.14 | |
| Tobin's Q Ratio | 0.06 | |
| Leverage & Coverage | ||
| Total Debt / Capital | 0.08% | |
| Assets / Equity (Leverage) | 21.27 | |
| Effective Interest Rate | 15.23% | |
| Debt / Revenue | 0.01 | |
| Efficiency (Computed) | ||
| Fixed Asset Turnover | 57.18 | |
| Dividends (Computed) | ||
| Dividend Coverage | -35.21 | |
| Share Buyback Ratio | -0.00 | |
| Per Employee | ||
| Revenue / Employee | 25.97M | |
| Net Income / Employee | 660.1K | |
| Oper. Income / Employee | 1.11M | |
| Total Assets / Employee | 67.66M | |
| Balance Sheet (Computed) | ||
| Book Value Per Share | 24.13 | |
| Earnings Schedule | ||
Insurance Metrics
| FY2025 | FY2024 | ||
|---|---|---|---|
| Underwriting | |||
| Premiums Earned | 35.43B | 30.28B | |
| Losses & Adjustments | -32.09B | -24.35B | |
| Claims & Reserves | -48.88B | -49.65B | |
| Underwriting Commissions | -2.46B | -2.18B | |
| Investment Income | 12.33B | 15.60B | |
| Insurance Ratios | |||
| Loss Ratio | 90.56% | 80.40% | |
| Expense Ratio | 14.99% | 15.94% | |
| Combined Ratio | 105.55% | 96.34% | |
| Claims / Premiums | 88.12% | 78.63% | |
| Equity Ratio | 0.05% | 0.05% | |
| Investment Income / Assets | 9.89% | 14.58% | |
| Premiums / Equity | 618.91% | 628.79% | |
| Insurance Liabilities | |||
| Policy Liabilities | 6.24B | 5.09B | |
| Unearned Premiums | 0 | 0 | |
| Policy Claims | 6.24B | 5.09B | |
| Premium Receivables | 316.51M | 78.13M | |