Jubilee General Insurance Company Ltd. (JGICL) Financial Statements, Ratios & Dividends
About
Jubilee General Insurance Co. Ltd. engages in the provision of insurance services. It operates through the following segments: Fire and Property Damage; Accident and Health; Motor; Marine, Aviation, and Transport; and Miscellaneous. The Fire and Property Damage segment includes the compensation of customers for damage suffered to their properties or for the value of property lost. The Motor segment, and Accident and Health segments offers protection against losses incurred as a result of theft, traffic accidents and against third party liability that could be incurred in an accident. The Marine, Aviation, and Transport segment covers the loss or damage of vessels, cargo, terminals, and any transport or property by which cargo is transferred, acquired, or held between the points of origin and final destination. The Miscellaneous segment refers to the engineering, bonds, terrorism, banker, blanket bond, and travel business lines. The company was founded on May 16, 1953 and is headquartered in Karachi, Pakistan.
Financial Highlights
| FY2025 | FY2024 | ||
|---|---|---|---|
| Revenue | 16.12B | 13.15B | |
| Net Income | 4.02B | 3.52B | |
| EPS | 20.25 | 17.74 | |
| ROE | 19.42% | 21.67% | |
| ROA | 9.58% | 10.69% | |
| Net Margin | 24.92% | 26.78% | |
| Current Ratio | 0.64 | 0.59 | |
| DPS | 6.00 | 5.50 | |
| Free Cash Flow | 2.84B | 2.58B |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Total Revenue | 16.12B | 13.15B | |
| SG&A Expenses | -4.25B | -3.47B | |
| Other Operating Expense | -211.68M | -96.67M | |
| Total Operating Expense | -9.47B | -7.30B | |
| Operating Income (EBIT) | 6.66B | 5.85B | |
| Interest Income | 0 | 0 | |
| Interest Expense | -5.26M | -6.29M | |
| Equity in Earnings | 65.84M | 20.88M | |
| Other Non-Operating Income | -44.95M | -48.95M | |
| Total Non-Operating Income | -127.93M | -55.25M | |
| Pre-Tax Income | 6.53B | 5.80B | |
| Income Tax | -2.57B | -2.30B | |
| Minority Interest | 0 | 0 | |
| Net Income | 4.02B | 3.52B | |
| EPS (Basic) | 20.25 | 17.74 | |
| EPS (Diluted) | 20.25 | 17.74 | |
| Operating Margin | 41.28% | 44.50% | |
| Pre-Tax Margin | 40.48% | 44.08% | |
| Net Margin | 24.92% | 26.78% |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Profitability | |||
| Return on Equity (ROE) | 19.42% | 21.67% | |
| Return on Assets (ROA) | 9.58% | 10.69% | |
| Return on Invested Capital | 19.42% | 21.66% | |
| Operating Margin | 41.28% | 44.50% | |
| Net Margin | 24.92% | 26.78% | |
| Pre-Tax Margin | 40.48% | 44.08% | |
| Liquidity | |||
| Current Ratio | 0.64 | 0.59 | |
| Leverage | |||
| Debt / Equity | 0.00 | 0.00 | |
| Debt / Assets | 0.00 | 0.00 | |
| LT Debt / Equity | 0.00 | 0.00 | |
| LT Debt / Assets | 0.00 | 0.00 | |
| Net Debt | -3.73B | -3.11B | |
| Total Debt | 7.52M | 48.24M | |
| Efficiency | |||
| Asset Turnover | 0.38 | 0.40 | |
| Per Share | |||
| Book Value Per Share | 113.73 | 96.97 | |
| Tangible Book Per Share | 113.39 | 96.36 | |
| Total Debt Per Share | 0.04 | 0.24 | |
| Working Capital Per Share | -30.24 | -25.73 | |
| Shares & Market | |||
| Total Shares Outstanding | 198,491,241 | 198,491,241 | |
| Market Cap | 16.26B | 11.41B | |
| Enterprise Value | 16.26B | 11.46B | |
| Employees | 710 | 693 | |
| Shareholders | 1,870 | 1,870 | |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Dividends Per Share | 6.00 | 5.50 | |
| Dividend Yield | 7.33% | 9.57% | |
| Payout Ratio | 29.63% | 31.00% | |
| Total Dividends Paid | -1.11B | -963.76M |
| FY2025 | FY2024 | ||
|---|---|---|---|
| P/E Ratio | 4.04 | 3.24 | |
| P/B Ratio | 0.72 | 0.59 | |
| P/S Ratio | 1.01 | 0.87 | |
| P/CF Ratio | 5.60 | 4.22 | |
| Market Cap | 16.26B | 11.41B | |
| Enterprise Value | 16.26B | 11.46B |
| TTM | ||
|---|---|---|
| Income | ||
| Revenue | 17.30B | |
| Operating Income | 6.84B | |
| Net Income | 4.26B | |
| Free Cash Flow | 4.54B | |
| EPS (Basic) | 21.45 | |
| Margins | ||
| Operating Margin | 39.56% | |
| Net Margin | 24.61% | |
| Returns | ||
| Return on Equity (ROE) | 21.02% | |
| ROIC | 0.21% | |
| Coverage & Debt | ||
| Dividend Coverage | 0.68 | |
| Debt / Revenue | 0.00 | |
| Valuation & Scores | ||
| P/E (TTM) | 3.59 | |
| Sloan Ratio | 7.25 | |
| Zmijewski Score | -1.55 | |
Computed Metrics (Latest Period)
| FY2025 | ||
|---|---|---|
| Extended Returns | ||
| Return on Common Equity | 19.42% | |
| Return on Tangible Equity | 19.31% | |
| Return on Tangible Assets | 9.32% | |
| Return on Total Capital | 32.12% | |
| ROCE | 23.26% | |
| Growth | ||
| EPS Diluted Growth | 0.14% | |
| Sustainable Growth Rate | 13.67% | |
| Quality & Risk Scores | ||
| Zmijewski Score | -1.72 | |
| Sloan Ratio | 4.34 | |
| Valuation (Computed) | ||
| Graham Number | 227.62 | |
| Tobin's Q Ratio | 0.34 | |
| Leverage & Coverage | ||
| Total Debt / Capital | 0.00% | |
| Assets / Equity (Leverage) | 2.11 | |
| Effective Interest Rate | 18.88% | |
| Debt / Revenue | 0.00 | |
| Efficiency (Computed) | ||
| Fixed Asset Turnover | 90.39 | |
| Dividends (Computed) | ||
| Dividend Coverage | 0.06 | |
| Share Buyback Ratio | 0.00 | |
| Per Employee | ||
| Revenue / Employee | 22.71M | |
| Net Income / Employee | 5.66M | |
| Oper. Income / Employee | 9.37M | |
| Total Assets / Employee | 67.21M | |
| Balance Sheet (Computed) | ||
| Book Value Per Share | 113.73 | |
| Earnings Schedule | ||
Insurance Metrics
| FY2025 | FY2024 | ||
|---|---|---|---|
| Underwriting | |||
| Premiums Earned | 8.41B | 7.34B | |
| Losses & Adjustments | -5.00B | -3.73B | |
| Claims & Reserves | -5.00B | -3.73B | |
| Underwriting Commissions | -961.14M | -624.06M | |
| Investment Income | 3.22B | 3.80B | |
| Insurance Ratios | |||
| Loss Ratio | 59.48% | 50.77% | |
| Expense Ratio | 50.54% | 47.34% | |
| Combined Ratio | 110.01% | 98.11% | |
| Claims / Premiums | 58.27% | 47.07% | |
| Equity Ratio | 0.47% | 0.50% | |
| Investment Income / Assets | 9.08% | 12.71% | |
| Premiums / Equity | 41.51% | 48.72% | |
| Insurance Liabilities | |||
| Policy Liabilities | 8.64B | 7.12B | |
| Unearned Premiums | 4.43B | 4.01B | |
| Policy Claims | 3.19B | 2.52B | |
| Premium Receivables | 4.98B | 2.65B | |