Jubilee Life Insurance Company Limited (JLICL) Financial Statements, Ratios & Dividends
About
Jubilee Life Insurance Co. Ltd. engages in the provision of life insurance, carrying on non-participating business. The company operates in the following segments: Individual Life Unit Linked, Conventional Business, Accident & Health, Overseas Group Life & Health, Individual Family Takaful, Group Family Takaful, and Accident & Health Family Takaful. The Individual Life Unit Linked segment provides life insurance coverage to individuals under unit based policies issued by the company. The Conventional Business segment includes individual life conventional and group life. The Accident & Health Business segment offers personal accident coverage to individuals and inpatient and outpatient health coverage to member enterprises, corporate entities, and common interest groups under group health insurance schemes. The Overseas Group Life and Health segment comprises of s life insurance coverage and inpatient and outpatient health coverage to overseas corporate entities under overseas group life and health policies. The Individual Family Takaful segment offers unit linked takaful plans, which provide shariah compliant financial protection and investment vehicle to individual participants. The Group Family Takaful segment contracts are issued typically on yearly renewable term basis. The Accident & Health Family Takaful segment contracts are mainly issued to employers to insure their commitments to employees. The company was founded on June 29, 1995 and is headquartered in Karachi, Pakistan.
Financial Highlights
| FY2025 | FY2024 | ||
|---|---|---|---|
| Revenue | 84.22B | 87.92B | |
| Net Income | 2.50B | 2.57B | |
| EPS | 16.58 | 17.10 | |
| ROE | 13.80% | 15.75% | |
| ROA | 0.98% | 1.15% | |
| Net Margin | 2.96% | 2.93% | |
| Current Ratio | 0.46 | 0.56 | |
| DPS | 8.67 | 8.67 | |
| Free Cash Flow | 8.59B | 1.73B |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Total Revenue | 84.22B | 87.92B | |
| SG&A Expenses | -36.45B | -40.69B | |
| Other Operating Expense | 12.67B | 12.87B | |
| Total Operating Expense | -80.02B | -83.43B | |
| Operating Income (EBIT) | 4.20B | 4.49B | |
| Interest Income | 0 | 0 | |
| Interest Expense | -133.23M | -226.35M | |
| Equity in Earnings | 67.28M | 25.39M | |
| Other Non-Operating Income | 69.06M | 33.95M | |
| Total Non-Operating Income | -80.49M | -192.40M | |
| Pre-Tax Income | 4.11B | 4.30B | |
| Income Tax | -1.69B | -1.75B | |
| Minority Interest | 0 | 0 | |
| Net Income | 2.50B | 2.57B | |
| EPS (Basic) | 16.58 | 17.10 | |
| EPS (Diluted) | 16.58 | 17.10 | |
| Operating Margin | 4.98% | 5.11% | |
| Pre-Tax Margin | 4.89% | 4.89% | |
| Net Margin | 2.96% | 2.93% |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Profitability | |||
| Return on Equity (ROE) | 13.80% | 15.75% | |
| Return on Assets (ROA) | 0.98% | 1.15% | |
| Return on Invested Capital | 13.26% | 14.98% | |
| Operating Margin | 4.98% | 5.11% | |
| Net Margin | 2.96% | 2.93% | |
| Pre-Tax Margin | 4.89% | 4.89% | |
| Liquidity | |||
| Current Ratio | 0.46 | 0.56 | |
| Leverage | |||
| Debt / Equity | 0.05 | 0.06 | |
| Debt / Assets | 0.00 | 0.00 | |
| LT Debt / Equity | 0.04 | 0.05 | |
| LT Debt / Assets | 0.00 | 0.00 | |
| Net Debt | -3.92B | -2.82B | |
| Total Debt | 896.30M | 1.12B | |
| Efficiency | |||
| Asset Turnover | 0.33 | 0.39 | |
| Per Share | |||
| Book Value Per Share | 125.11 | 115.15 | |
| Tangible Book Per Share | 124.13 | 114.58 | |
| Total Debt Per Share | 5.95 | 7.44 | |
| Working Capital Per Share | -95.84 | -64.18 | |
| Shares & Market | |||
| Total Shares Outstanding | 150,529,890 | 150,529,890 | |
| Market Cap | 16.96B | 17.38B | |
| Enterprise Value | 17.85B | 18.50B | |
| Employees | 1,611 | 1,609 | |
| Shareholders | 1,592 | 1,592 | |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Dividends Per Share | 8.67 | 8.67 | |
| Dividend Yield | 7.69% | 7.50% | |
| Payout Ratio | 52.28% | 50.69% | |
| Total Dividends Paid | -1.46B | -1.89B |
| FY2025 | FY2024 | ||
|---|---|---|---|
| P/E Ratio | 6.80 | 6.75 | |
| P/B Ratio | 0.90 | 1.00 | |
| P/S Ratio | 0.20 | 0.20 | |
| P/CF Ratio | 1.76 | 7.89 | |
| Market Cap | 16.96B | 17.38B | |
| Enterprise Value | 17.85B | 18.50B |
| TTM | ||
|---|---|---|
| Income | ||
| Revenue | 83.33B | |
| Operating Income | 3.72B | |
| Net Income | 2.18B | |
| Free Cash Flow | 3.84B | |
| EPS (Basic) | 14.50 | |
| Margins | ||
| Operating Margin | 4.47% | |
| Net Margin | 2.62% | |
| Returns | ||
| Return on Equity (ROE) | 12.17% | |
| ROIC | 0.12% | |
| Coverage & Debt | ||
| Dividend Coverage | -11.96 | |
| Debt / Revenue | 0.01 | |
| Valuation & Scores | ||
| P/E (TTM) | 7.17 | |
| Sloan Ratio | -0.00 | |
| Zmijewski Score | 0.91 | |
Computed Metrics (Latest Period)
| FY2025 | ||
|---|---|---|
| Extended Returns | ||
| Return on Common Equity | 13.80% | |
| Return on Tangible Equity | 13.89% | |
| Return on Tangible Assets | 0.98% | |
| Return on Total Capital | 21.97% | |
| ROCE | 1.83% | |
| Growth | ||
| EPS Diluted Growth | -0.03% | |
| Sustainable Growth Rate | 6.59% | |
| Quality & Risk Scores | ||
| Zmijewski Score | 0.90 | |
| Sloan Ratio | -0.12 | |
| Valuation (Computed) | ||
| Graham Number | 216.03 | |
| Tobin's Q Ratio | 0.06 | |
| Leverage & Coverage | ||
| Total Debt / Capital | 0.05% | |
| Assets / Equity (Leverage) | 14.25 | |
| Effective Interest Rate | 13.22% | |
| Debt / Revenue | 0.01 | |
| Efficiency (Computed) | ||
| Fixed Asset Turnover | 19.06 | |
| Dividends (Computed) | ||
| Dividend Coverage | -11.59 | |
| Share Buyback Ratio | 0.00 | |
| Per Employee | ||
| Revenue / Employee | 52.28M | |
| Net Income / Employee | 1.55M | |
| Oper. Income / Employee | 2.60M | |
| Total Assets / Employee | 166.58M | |
| Balance Sheet (Computed) | ||
| Book Value Per Share | 125.11 | |
| Earnings Schedule | ||
Insurance Metrics
| FY2025 | FY2024 | ||
|---|---|---|---|
| Underwriting | |||
| Premiums Earned | 56.66B | 46.56B | |
| Losses & Adjustments | -56.24B | -55.61B | |
| Claims & Reserves | -56.24B | -55.61B | |
| Underwriting Commissions | -27.22B | -31.43B | |
| Investment Income | 24.70B | 35.77B | |
| Insurance Ratios | |||
| Loss Ratio | 99.26% | 119.44% | |
| Expense Ratio | 64.34% | 87.38% | |
| Combined Ratio | 163.60% | 206.82% | |
| Claims / Premiums | 99.26% | 119.44% | |
| Equity Ratio | 0.07% | 0.07% | |
| Investment Income / Assets | 10.01% | 16.31% | |
| Premiums / Equity | 313.30% | 284.90% | |
| Insurance Liabilities | |||
| Policy Liabilities | 23.75B | 19.17B | |
| Unearned Premiums | 0 | 0 | |
| Policy Claims | 16.70B | 12.59B | |
| Premium Receivables | 3.54B | 3.01B | |