PAKRI Multi-Line Insurance
Finance
15.43 +0.33%
Mkt Cap
13.8B
P/E (TTM)
4.07
EPS (TTM)
3.78
ROE (TTM)
14.04%
Div Yield
6.48%
Pakistan Reinsurance Company Limited (PAKRI) Financial Statements, Ratios & Dividends
About
Pakistan Reinsurance Co. Ltd. engages in the provision of insurance and reinsurance services. It operates through the following business segments: Fire, Marine Cargo, Marine Hull, Accident & Others, Aviation, Engineering, and Treaty. The company was founded in 1952 and is headquartered in Karachi, Pakistan.
Financial Highlights
| FY2025 | FY2024 | ||
|---|---|---|---|
| Revenue | 13.27B | 15.57B | |
| Net Income | 3.13B | 3.78B | |
| EPS | 3.48 | 4.20 | |
| ROE | 12.83% | 18.41% | |
| ROA | 5.23% | 6.50% | |
| Net Margin | 23.58% | 24.27% | |
| Current Ratio | 1.67 | 1.77 | |
| DPS | 1.00 | 4.00 | |
| Free Cash Flow | 918.93M | 3.33B |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Total Revenue | 13.27B | 15.57B | |
| SG&A Expenses | -3.14B | -3.32B | |
| Other Operating Expense | -23.76M | -234.42M | |
| Total Operating Expense | -8.57B | -8.99B | |
| Operating Income (EBIT) | 4.68B | 6.58B | |
| Interest Income | 0 | 0 | |
| Interest Expense | -6.74M | -9.22M | |
| Equity in Earnings | 0 | 0 | |
| Other Non-Operating Income | 42.99M | 56.91M | |
| Total Non-Operating Income | 36.25M | 218.10M | |
| Pre-Tax Income | 4.71B | 6.79B | |
| Income Tax | -1.58B | -3.02B | |
| Minority Interest | 0 | 0 | |
| Net Income | 3.13B | 3.78B | |
| EPS (Basic) | 3.48 | 4.20 | |
| EPS (Diluted) | 3.48 | 4.20 | |
| Operating Margin | 35.25% | 42.23% | |
| Pre-Tax Margin | 35.53% | 43.63% | |
| Net Margin | 23.58% | 24.27% |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Profitability | |||
| Return on Equity (ROE) | 12.83% | 18.41% | |
| Return on Assets (ROA) | 5.23% | 6.50% | |
| Return on Invested Capital | 12.82% | 18.40% | |
| Operating Margin | 35.25% | 42.23% | |
| Net Margin | 23.58% | 24.27% | |
| Pre-Tax Margin | 35.53% | 43.63% | |
| Liquidity | |||
| Current Ratio | 1.67 | 1.77 | |
| 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 | -2.42B | -5.53B | |
| Total Debt | 20.60M | 23.78M | |
| Efficiency | |||
| Asset Turnover | 0.22 | 0.27 | |
| Per Share | |||
| Book Value Per Share | 28.74 | 25.44 | |
| Tangible Book Per Share | 28.72 | 25.42 | |
| Total Debt Per Share | 0.02 | 0.03 | |
| Working Capital Per Share | 13.33 | 12.91 | |
| Shares & Market | |||
| Total Shares Outstanding | 900,000,000 | 900,000,000 | |
| Market Cap | 18.53B | 14.14B | |
| Enterprise Value | 18.55B | 14.16B | |
| Employees | 156 | 163 | |
| Shareholders | 4,736 | 4,736 | |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Dividends Per Share | 1.00 | 4.00 | |
| Dividend Yield | 4.86% | 25.46% | |
| Payout Ratio | 28.76% | 95.28% | |
| Total Dividends Paid | -1.84B | -898.04M |
| FY2025 | FY2024 | ||
|---|---|---|---|
| P/E Ratio | 5.92 | 3.74 | |
| P/B Ratio | 0.72 | 0.62 | |
| P/S Ratio | 1.40 | 0.91 | |
| P/CF Ratio | 18.27 | 4.07 | |
| Market Cap | 18.53B | 14.14B | |
| Enterprise Value | 18.55B | 14.16B |
| TTM | ||
|---|---|---|
| Income | ||
| Revenue | 12.95B | |
| Operating Income | 5.09B | |
| Net Income | 3.40B | |
| Free Cash Flow | 1.99B | |
| EPS (Basic) | 3.78 | |
| Margins | ||
| Operating Margin | 39.29% | |
| Net Margin | 26.26% | |
| Returns | ||
| Return on Equity (ROE) | 14.04% | |
| ROIC | 0.14% | |
| Coverage & Debt | ||
| Dividend Coverage | -1.09 | |
| Debt / Revenue | 0.00 | |
| Valuation & Scores | ||
| P/E (TTM) | 4.07 | |
| Sloan Ratio | 1.41 | |
| Zmijewski Score | -0.83 | |
Computed Metrics (Latest Period)
| FY2025 | ||
|---|---|---|
| Extended Returns | ||
| Return on Common Equity | 12.83% | |
| Return on Tangible Equity | 12.84% | |
| Return on Tangible Assets | 5.07% | |
| Return on Total Capital | 19.17% | |
| ROCE | 10.33% | |
| Growth | ||
| EPS Diluted Growth | -0.17% | |
| Sustainable Growth Rate | 9.14% | |
| Quality & Risk Scores | ||
| Zmijewski Score | -1.08 | |
| Sloan Ratio | 3.63 | |
| Valuation (Computed) | ||
| Graham Number | 47.41 | |
| Tobin's Q Ratio | 0.28 | |
| Leverage & Coverage | ||
| Total Debt / Capital | 0.00% | |
| Assets / Equity (Leverage) | 2.56 | |
| Effective Interest Rate | 30.37% | |
| Debt / Revenue | 0.00 | |
| Efficiency (Computed) | ||
| Fixed Asset Turnover | 4.09 | |
| Dividends (Computed) | ||
| Dividend Coverage | 0.16 | |
| Share Buyback Ratio | 0.00 | |
| Per Employee | ||
| Revenue / Employee | 85.05M | |
| Net Income / Employee | 20.06M | |
| Oper. Income / Employee | 29.98M | |
| Total Assets / Employee | 424.32M | |
| Balance Sheet (Computed) | ||
| Book Value Per Share | 28.74 | |
| Earnings Schedule | ||
Insurance Metrics
| FY2025 | FY2024 | ||
|---|---|---|---|
| Underwriting | |||
| Premiums Earned | 9.07B | 10.85B | |
| Losses & Adjustments | -5.40B | -5.44B | |
| Claims & Reserves | -5.40B | -5.44B | |
| Underwriting Commissions | -1.36B | -1.41B | |
| Investment Income | 3.32B | 4.00B | |
| Insurance Ratios | |||
| Loss Ratio | 59.54% | 50.08% | |
| Expense Ratio | 34.65% | 30.61% | |
| Combined Ratio | 94.19% | 80.69% | |
| Claims / Premiums | 60.65% | 53.36% | |
| Equity Ratio | 0.39% | 0.40% | |
| Investment Income / Assets | 10.59% | 15.65% | |
| Premiums / Equity | 36.52% | 49.65% | |
| Insurance Liabilities | |||
| Policy Liabilities | 22.23B | 20.46B | |
| Unearned Premiums | 12.36B | 10.62B | |
| Policy Claims | 8.28B | 8.36B | |
| Premium Receivables | 13.56B | 9.66B | |