East West Insurance Company Limited (EWIC) Financial Statements, Ratios & Dividends
About
East West Insurance Co. Ltd. engages in the traditional insurance business in the areas of fire, marine, and motor. It operates through the following business segments: Fire and Property Damage; Marine, Aviation, and Transport; Motor; Engineering; and Miscellaneous. The Fire and Property Damage segment includes damages by fire, riot and strike, explosion, earthquake, atmospheric damages, floods, electrical fluctuation impact and other coverage. The Marine, Aviation, and Transport segment provides insurance coverage against cargo risk, war risk, and damages occurring in inland transport. The Motor segment offers vehicle coverage and indemnity against third party loss. The Engineering segment covers protection against accidental losses during execution of development projects. Engineering segment The Miscellaneous segment provides cover against burglary, loss of cash in safe and in transit, personal accident, and other coverage. The company was founded by Unus Khan in 1983 and is headquartered in Karachi, Pakistan.
Financial Highlights
| FY2025 | FY2024 | ||
|---|---|---|---|
| Revenue | 8.71B | 5.38B | |
| Net Income | 1.45B | 972.85M | |
| EPS | 4.68 | 2.86 | |
| ROE | 26.77% | 24.33% | |
| ROA | 11.50% | 11.93% | |
| Net Margin | 16.64% | 18.08% | |
| Current Ratio | 2.76 | 3.88 | |
| DPS | 0.00 | 0.00 | |
| Free Cash Flow | 5.65B | 1.35B |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Total Revenue | 8.71B | 5.38B | |
| SG&A Expenses | -3.50B | -2.23B | |
| Other Operating Expense | -4.38M | -2.09M | |
| Total Operating Expense | -6.79B | -4.18B | |
| Operating Income (EBIT) | 1.93B | 1.20B | |
| Interest Income | 0 | 0 | |
| Interest Expense | -6.40M | -7.25M | |
| Equity in Earnings | 0 | 0 | |
| Other Non-Operating Income | 8.48M | 3.92M | |
| Total Non-Operating Income | 2.08M | -3.33M | |
| Pre-Tax Income | 1.93B | 1.20B | |
| Income Tax | -478.93M | -223.96M | |
| Minority Interest | 0 | 0 | |
| Net Income | 1.45B | 972.85M | |
| EPS (Basic) | 4.68 | 2.86 | |
| EPS (Diluted) | 4.68 | 2.86 | |
| Operating Margin | 22.11% | 22.30% | |
| Pre-Tax Margin | 22.13% | 22.24% | |
| Net Margin | 16.64% | 18.08% |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Profitability | |||
| Return on Equity (ROE) | 26.77% | 24.33% | |
| Return on Assets (ROA) | 11.50% | 11.93% | |
| Return on Invested Capital | 26.71% | 24.23% | |
| Operating Margin | 22.11% | 22.30% | |
| Net Margin | 16.64% | 18.08% | |
| Pre-Tax Margin | 22.13% | 22.24% | |
| Liquidity | |||
| Current Ratio | 2.76 | 3.88 | |
| Leverage | |||
| Debt / Equity | 0.01 | 0.01 | |
| Debt / Assets | 0.00 | 0.00 | |
| LT Debt / Equity | 0.00 | 0.01 | |
| LT Debt / Assets | 0.00 | 0.00 | |
| Net Debt | -1.31B | -61.76M | |
| Total Debt | 33.00M | 40.59M | |
| Efficiency | |||
| Asset Turnover | 0.69 | 0.66 | |
| Per Share | |||
| Book Value Per Share | 19.89 | 15.09 | |
| Tangible Book Per Share | 19.89 | 15.08 | |
| Total Debt Per Share | 0.11 | 0.12 | |
| Working Capital Per Share | 16.77 | 11.65 | |
| Shares & Market | |||
| Total Shares Outstanding | 309,612,342 | 309,612,310 | |
| Market Cap | 11.90B | 14.66B | |
| Enterprise Value | 11.93B | 16.17B | |
| Employees | 174 | 165 | |
| Shareholders | 302 | 302 | |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Dividends Per Share | 0.00 | 0.00 | |
| Dividend Yield | 0.00% | 0.00% | |
| Payout Ratio | 0.00% | 0.00% | |
| Total Dividends Paid | 0 | 0 |
| FY2025 | FY2024 | ||
|---|---|---|---|
| P/E Ratio | 8.21 | 16.58 | |
| P/B Ratio | 1.93 | 3.14 | |
| P/S Ratio | 1.37 | 3.00 | |
| P/CF Ratio | 2.06 | 11.27 | |
| Market Cap | 11.90B | 14.66B | |
| Enterprise Value | 11.93B | 16.17B |
| TTM | ||
|---|---|---|
| Income | ||
| Revenue | 10.60B | |
| Operating Income | 2.69B | |
| Net Income | 1.98B | |
| Free Cash Flow | 4.75B | |
| EPS (Basic) | 6.58 | |
| Margins | ||
| Operating Margin | 25.43% | |
| Net Margin | 18.73% | |
| Returns | ||
| Return on Equity (ROE) | 31.86% | |
| ROIC | 0.32% | |
| Coverage & Debt | ||
| Debt / Revenue | 0.00 | |
| Valuation & Scores | ||
| P/E (TTM) | 9.00 | |
| Sloan Ratio | 5.02 | |
| Zmijewski Score | -1.21 | |
Computed Metrics (Latest Period)
| FY2025 | ||
|---|---|---|
| Extended Returns | ||
| Return on Common Equity | 26.77% | |
| Return on Tangible Equity | 26.77% | |
| Return on Tangible Assets | 11.94% | |
| Return on Total Capital | 35.33% | |
| ROCE | 19.19% | |
| Growth | ||
| EPS Diluted Growth | 0.42% | |
| Sustainable Growth Rate | 26.77% | |
| Quality & Risk Scores | ||
| Zmijewski Score | -1.34 | |
| Sloan Ratio | -4.08 | |
| Valuation (Computed) | ||
| Graham Number | 45.77 | |
| Tobin's Q Ratio | 0.77 | |
| Leverage & Coverage | ||
| Total Debt / Capital | 0.01% | |
| Assets / Equity (Leverage) | 2.50 | |
| Effective Interest Rate | 17.39% | |
| Debt / Revenue | 0.00 | |
| Efficiency (Computed) | ||
| Fixed Asset Turnover | 31.07 | |
| Dividends (Computed) | ||
| Share Buyback Ratio | -0.00 | |
| Per Employee | ||
| Revenue / Employee | 50.07M | |
| Net Income / Employee | 8.33M | |
| Oper. Income / Employee | 11.07M | |
| Total Assets / Employee | 88.49M | |
| Balance Sheet (Computed) | ||
| Book Value Per Share | 19.89 | |
| Earnings Schedule | ||
Insurance Metrics
| FY2025 | FY2024 | ||
|---|---|---|---|
| Underwriting | |||
| Premiums Earned | 7.29B | 4.30B | |
| Losses & Adjustments | -3.28B | -1.94B | |
| Claims & Reserves | -3.28B | -1.94B | |
| Underwriting Commissions | -1.83B | -996.52M | |
| Investment Income | 470.58M | 452.07M | |
| Insurance Ratios | |||
| Loss Ratio | 44.98% | 45.18% | |
| Expense Ratio | 48.10% | 51.91% | |
| Combined Ratio | 93.08% | 97.10% | |
| Claims / Premiums | 39.39% | 37.52% | |
| Equity Ratio | 0.40% | 0.53% | |
| Investment Income / Assets | 4.44% | 8.09% | |
| Premiums / Equity | 153.67% | 129.63% | |
| Insurance Liabilities | |||
| Policy Liabilities | 4.79B | 1.90B | |
| Unearned Premiums | 2.47B | 1.43B | |
| Policy Claims | 1.50B | 471.51M | |
| Premium Receivables | 917.87M | 1.24B | |