ATIL Property/Casualty Insurance
Finance
74.50 +0.00%
Mkt Cap
11.1B
P/E (TTM)
4.61
EPS (TTM)
16.47
ROE (TTM)
23.92%
Div Yield
14.77%
Atlas Insurance Limited (ATIL) Financial Statements, Ratios & Dividends
About
Atlas Insurance Ltd. engages in the provision of non-life insurance services. It operates through the following segments: Fire and Property Damage; Marine, Aviation, and Transport; Motor; and Miscellaneous. Its products cover travel, credit, crop and health insurance, boiler and pressure vessel, fidelity guarantee, and others. The company was founded by Mohammad Iqbal and Hakeem-ul-Ummat on September 6, 1934 and is headquartered in Lahore, Pakistan.
Financial Highlights
| FY2025 | FY2024 | ||
|---|---|---|---|
| Revenue | 5.92B | 5.22B | |
| Net Income | 2.08B | 1.89B | |
| EPS | 13.90 | 12.64 | |
| ROE | 21.34% | 28.67% | |
| ROA | 10.23% | 12.70% | |
| Net Margin | 35.10% | 36.17% | |
| Current Ratio | 1.20 | 1.07 | |
| DPS | 8.50 | 8.50 | |
| Free Cash Flow | 573.37M | 1.19B |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Total Revenue | 5.92B | 5.22B | |
| SG&A Expenses | -1.34B | -1.12B | |
| Other Operating Expense | -68.41M | -162.37M | |
| Total Operating Expense | -2.46B | -2.06B | |
| Operating Income (EBIT) | 3.46B | 3.16B | |
| Interest Income | 0 | 0 | |
| Interest Expense | -24.33M | -13.52M | |
| Equity in Earnings | 0 | 0 | |
| Other Non-Operating Income | -41.50M | -38.45M | |
| Total Non-Operating Income | -65.83M | -51.96M | |
| Pre-Tax Income | 3.39B | 3.11B | |
| Income Tax | -1.32B | -1.22B | |
| Minority Interest | 0 | 0 | |
| Net Income | 2.08B | 1.89B | |
| EPS (Basic) | 13.90 | 12.64 | |
| EPS (Diluted) | 13.90 | 12.64 | |
| Operating Margin | 58.46% | 60.58% | |
| Pre-Tax Margin | 57.35% | 59.58% | |
| Net Margin | 35.10% | 36.17% |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Profitability | |||
| Return on Equity (ROE) | 21.34% | 28.67% | |
| Return on Assets (ROA) | 10.23% | 12.70% | |
| Return on Invested Capital | 21.11% | 28.47% | |
| Operating Margin | 58.46% | 60.58% | |
| Net Margin | 35.10% | 36.17% | |
| Pre-Tax Margin | 57.35% | 59.58% | |
| Liquidity | |||
| Current Ratio | 1.20 | 1.07 | |
| Leverage | |||
| Debt / Equity | 0.02 | 0.01 | |
| Debt / Assets | 0.01 | 0.00 | |
| LT Debt / Equity | 0.01 | 0.01 | |
| LT Debt / Assets | 0.01 | 0.00 | |
| Net Debt | -1.37B | -1.70B | |
| Total Debt | 202.94M | 68.30M | |
| Efficiency | |||
| Asset Turnover | 0.29 | 0.35 | |
| Per Share | |||
| Book Value Per Share | 75.62 | 56.29 | |
| Tangible Book Per Share | 75.62 | 56.29 | |
| Total Debt Per Share | 1.36 | 0.46 | |
| Working Capital Per Share | 5.78 | 2.02 | |
| Shares & Market | |||
| Total Shares Outstanding | 149,415,675 | 149,415,675 | |
| Market Cap | 11.16B | 8.66B | |
| Enterprise Value | 11.36B | 8.73B | |
| Employees | 265 | 242 | |
| Shareholders | 1,332 | 1,332 | |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Dividends Per Share | 8.50 | 8.50 | |
| Dividend Yield | 11.38% | 14.67% | |
| Payout Ratio | 61.15% | 67.24% | |
| Total Dividends Paid | -1.25B | -807.08M |
| FY2025 | FY2024 | ||
|---|---|---|---|
| P/E Ratio | 5.37 | 4.58 | |
| P/B Ratio | 0.99 | 1.03 | |
| P/S Ratio | 1.89 | 1.66 | |
| P/CF Ratio | 15.27 | 6.21 | |
| Market Cap | 11.16B | 8.66B | |
| Enterprise Value | 11.36B | 8.73B |
| TTM | ||
|---|---|---|
| Income | ||
| Revenue | 6.92B | |
| Operating Income | 3.98B | |
| Net Income | 2.46B | |
| Free Cash Flow | 427.94M | |
| EPS (Basic) | 16.47 | |
| Margins | ||
| Operating Margin | 57.48% | |
| Net Margin | 35.58% | |
| Returns | ||
| Return on Equity (ROE) | 23.92% | |
| ROIC | 0.24% | |
| Coverage & Debt | ||
| Dividend Coverage | 0.53 | |
| Debt / Revenue | 0.03 | |
| Valuation & Scores | ||
| P/E (TTM) | 4.61 | |
| Sloan Ratio | 4.79 | |
| Zmijewski Score | -1.96 | |
Computed Metrics (Latest Period)
| FY2025 | ||
|---|---|---|
| Extended Returns | ||
| Return on Common Equity | 21.34% | |
| Return on Tangible Equity | 21.08% | |
| Return on Tangible Assets | 9.91% | |
| Return on Total Capital | 35.06% | |
| ROCE | 20.74% | |
| Growth | ||
| EPS Diluted Growth | 0.10% | |
| Sustainable Growth Rate | 8.29% | |
| Quality & Risk Scores | ||
| Zmijewski Score | -1.78 | |
| Sloan Ratio | 4.66 | |
| Valuation (Computed) | ||
| Graham Number | 153.78 | |
| Tobin's Q Ratio | 0.47 | |
| Leverage & Coverage | ||
| Total Debt / Capital | 0.02% | |
| Assets / Equity (Leverage) | 2.08 | |
| Effective Interest Rate | 17.94% | |
| Debt / Revenue | 0.03 | |
| Efficiency (Computed) | ||
| Fixed Asset Turnover | 13.68 | |
| Dividends (Computed) | ||
| Dividend Coverage | 0.46 | |
| Share Buyback Ratio | 0.00 | |
| Per Employee | ||
| Revenue / Employee | 22.33M | |
| Net Income / Employee | 7.84M | |
| Oper. Income / Employee | 13.05M | |
| Total Assets / Employee | 88.83M | |
| Balance Sheet (Computed) | ||
| Book Value Per Share | 75.62 | |
| Earnings Schedule | ||
Insurance Metrics
| FY2025 | FY2024 | ||
|---|---|---|---|
| Underwriting | |||
| Premiums Earned | 3.54B | 2.88B | |
| Losses & Adjustments | -1.05B | -777.22M | |
| Claims & Reserves | -1.05B | -779.56M | |
| Underwriting Commissions | 11.24M | 37.72M | |
| Investment Income | 981.82M | 1.22B | |
| Insurance Ratios | |||
| Loss Ratio | 29.74% | 26.95% | |
| Expense Ratio | 37.86% | 38.71% | |
| Combined Ratio | 67.59% | 65.66% | |
| Claims / Premiums | 30.08% | 25.42% | |
| Equity Ratio | 0.48% | 0.46% | |
| Investment Income / Assets | 5.74% | 9.46% | |
| Premiums / Equity | 36.00% | 46.40% | |
| Insurance Liabilities | |||
| Policy Liabilities | 4.73B | 3.86B | |
| Unearned Premiums | 3.08B | 2.55B | |
| Policy Claims | 947.89M | 793.05M | |
| Premium Receivables | 1.44B | 947.78M | |