PINL Property/Casualty Insurance
Finance
9.56 -3.24%
Mkt Cap
499.6M
P/E (TTM)
3.25
EPS (TTM)
3.04
ROE (TTM)
12.45%
Div Yield
—
Premier Insurance Limited (PINL) Financial Statements, Ratios & Dividends
About
Premier Insurance Co. of Pakistan Ltd. engages in the provision of general insurance services. It operates through the following segments: Fire and Property Damages; Marine, Aviation, and Transport; Motor; Health; and Miscellaneous. The Fire and Property Damages segment comprises of losses caused by fire, riot and strike, explosion, earthquake, atmospheric disturbance, aircraft damage, flood, electric fluctuation, and impact. The Marine Aviation and Transport segment covers cargo risk, war risk, and damages occurring in inland transit. The Motor segment provides comprehensive vehicle coverage and indemnity against third party loss. The Miscellaneous Insurance segment includes burglary, loss of cash in safe and cash in transit, personal accident, money, engineering losses, and other coverage. The company was founded in May 1952 and is headquartered in Karachi, Pakistan.
Financial Highlights
| FY2025 | FY2024 | ||
|---|---|---|---|
| Revenue | 627.60M | 568.85M | |
| Net Income | 122.67M | 69.06M | |
| EPS | 2.43 | 1.37 | |
| ROE | 9.84% | 6.43% | |
| ROA | 3.86% | 2.33% | |
| Net Margin | 19.55% | 12.14% | |
| Current Ratio | 0.71 | 0.78 | |
| DPS | 0.00 | 0.00 | |
| Free Cash Flow | 115.76M | 94.35M |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Total Revenue | 627.60M | 568.85M | |
| SG&A Expenses | -327.07M | -354.04M | |
| Other Operating Expense | -15.45M | -2.79M | |
| Total Operating Expense | -509.98M | -511.61M | |
| Operating Income (EBIT) | 117.62M | 57.24M | |
| Interest Income | 0 | 0 | |
| Interest Expense | -2.25M | -1.52M | |
| Equity in Earnings | 2.59M | 14.23M | |
| Other Non-Operating Income | 1.61M | 2.19M | |
| Total Non-Operating Income | 1.32M | -3.47M | |
| Pre-Tax Income | 118.93M | 53.77M | |
| Income Tax | 1.14M | 1.06M | |
| Minority Interest | 0 | 0 | |
| Net Income | 122.67M | 69.06M | |
| EPS (Basic) | 2.43 | 1.37 | |
| EPS (Diluted) | 2.43 | 1.37 | |
| Operating Margin | 18.74% | 10.06% | |
| Pre-Tax Margin | 18.95% | 9.45% | |
| Net Margin | 19.55% | 12.14% |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Profitability | |||
| Return on Equity (ROE) | 9.84% | 6.43% | |
| Return on Assets (ROA) | 3.86% | 2.33% | |
| Return on Invested Capital | 9.78% | 6.40% | |
| Operating Margin | 18.74% | 10.06% | |
| Net Margin | 19.55% | 12.14% | |
| Pre-Tax Margin | 18.95% | 9.45% | |
| Liquidity | |||
| Current Ratio | 0.71 | 0.78 | |
| Leverage | |||
| Debt / Equity | 0.01 | 0.01 | |
| Debt / Assets | 0.00 | 0.00 | |
| LT Debt / Equity | 0.01 | 0.01 | |
| LT Debt / Assets | 0.00 | 0.00 | |
| Net Debt | -93.87M | -139.27M | |
| Total Debt | 9.18M | 11.70M | |
| Efficiency | |||
| Asset Turnover | 0.20 | 0.19 | |
| Per Share | |||
| Book Value Per Share | 25.57 | 23.71 | |
| Tangible Book Per Share | 25.57 | 23.71 | |
| Total Debt Per Share | 0.18 | 0.23 | |
| Working Capital Per Share | -7.46 | -6.23 | |
| Shares & Market | |||
| Total Shares Outstanding | 50,565,105 | 50,565,105 | |
| Market Cap | 527.39M | 274.57M | |
| Enterprise Value | 536.57M | 286.26M | |
| Employees | 90 | 82 | |
| Shareholders | 2,131 | 2,131 | |
| 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 | -20.0K |
| FY2025 | FY2024 | ||
|---|---|---|---|
| P/E Ratio | 4.30 | 3.98 | |
| P/B Ratio | 0.41 | 0.23 | |
| P/S Ratio | 0.84 | 0.48 | |
| P/CF Ratio | 4.22 | 2.86 | |
| Market Cap | 527.39M | 274.57M | |
| Enterprise Value | 536.57M | 286.26M |
| TTM | ||
|---|---|---|
| Income | ||
| Revenue | 661.10M | |
| Operating Income | -649.04M | |
| Net Income | 153.69M | |
| Free Cash Flow | 110.71M | |
| EPS (Basic) | 3.04 | |
| Margins | ||
| Operating Margin | -98.18% | |
| Net Margin | 23.25% | |
| Returns | ||
| Return on Equity (ROE) | 12.45% | |
| ROIC | 0.12% | |
| Coverage & Debt | ||
| Dividend Coverage | 31747.50 | |
| Debt / Revenue | 0.01 | |
| Valuation & Scores | ||
| P/E (TTM) | 3.25 | |
| Sloan Ratio | 4.92 | |
| Zmijewski Score | -1.17 | |
Computed Metrics (Latest Period)
| FY2025 | ||
|---|---|---|
| Extended Returns | ||
| Return on Common Equity | 9.84% | |
| Return on Tangible Equity | 9.85% | |
| Return on Tangible Assets | 3.68% | |
| Return on Total Capital | 9.36% | |
| ROCE | 5.94% | |
| Growth | ||
| EPS Diluted Growth | 0.78% | |
| Sustainable Growth Rate | 9.84% | |
| Quality & Risk Scores | ||
| Zmijewski Score | -1.01 | |
| Sloan Ratio | 4.95 | |
| Valuation (Computed) | ||
| Graham Number | 37.36 | |
| Tobin's Q Ratio | 0.16 | |
| Leverage & Coverage | ||
| Total Debt / Capital | 0.01% | |
| Assets / Equity (Leverage) | 2.59 | |
| Effective Interest Rate | 21.52% | |
| Debt / Revenue | 0.01 | |
| Efficiency (Computed) | ||
| Fixed Asset Turnover | 3.05 | |
| Dividends (Computed) | ||
| Share Buyback Ratio | 0.00 | |
| Per Employee | ||
| Revenue / Employee | 6.97M | |
| Net Income / Employee | 1.36M | |
| Oper. Income / Employee | 1.31M | |
| Total Assets / Employee | 37.28M | |
| Balance Sheet (Computed) | ||
| Book Value Per Share | 25.57 | |
| Earnings Schedule | ||
Insurance Metrics
| FY2025 | FY2024 | ||
|---|---|---|---|
| Underwriting | |||
| Premiums Earned | 274.22M | 269.73M | |
| Losses & Adjustments | -167.46M | -154.78M | |
| Claims & Reserves | -167.46M | -154.78M | |
| Underwriting Commissions | -14.16M | -32.48M | |
| Investment Income | 15.58M | 65.82M | |
| Insurance Ratios | |||
| Loss Ratio | 61.07% | 57.38% | |
| Expense Ratio | 119.27% | 131.26% | |
| Combined Ratio | 180.34% | 188.64% | |
| Claims / Premiums | 61.07% | 57.38% | |
| Equity Ratio | 0.39% | 0.36% | |
| Investment Income / Assets | 1.35% | 6.52% | |
| Premiums / Equity | 22.01% | 25.13% | |
| Insurance Liabilities | |||
| Policy Liabilities | 797.64M | 801.65M | |
| Unearned Premiums | 271.44M | 284.80M | |
| Policy Claims | 500.88M | 490.71M | |
| Premium Receivables | 526.21M | 678.07M | |