TPLI Property/Casualty Insurance
Finance
51.59 -2.95%
Mkt Cap
10.9B
P/E (TTM)
65.37
EPS (TTM)
0.84
ROE (TTM)
5.99%
Div Yield
—
TPL Insurance Limited (TPLI) Financial Statements, Ratios & Dividends
About
TPL Insurance Ltd. engages in the provision of insurance services. It's products include: Fire and Property, Marine, Health, Motor, Auto, Home, Travel, Mobile, Cyber Risk, Engineering, Agriculture and TPL Insurance. The company was founded in 1992 and is headquartered in Karachi, Pakistan.
Financial Highlights
| FY2025 | FY2024 | ||
|---|---|---|---|
| Revenue | 4.56B | 3.83B | |
| Net Income | 47.68M | 21.31M | |
| EPS | 0.24 | 0.11 | |
| ROE | 1.72% | 0.79% | |
| ROA | 0.61% | 0.30% | |
| Net Margin | 1.05% | 0.56% | |
| Current Ratio | 2.76 | 2.85 | |
| DPS | 0.00 | 0.00 | |
| Free Cash Flow | 346.65M | 508.94M |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Total Revenue | 4.56B | 3.83B | |
| SG&A Expenses | -2.37B | -2.03B | |
| Other Operating Expense | -9.14M | 54.49M | |
| Total Operating Expense | -4.54B | -3.63B | |
| Operating Income (EBIT) | 13.37M | 193.92M | |
| Interest Income | 0 | 0 | |
| Interest Expense | -27.31M | -28.98M | |
| Equity in Earnings | 0 | 0 | |
| Other Non-Operating Income | 69.72M | -20.23M | |
| Total Non-Operating Income | 42.42M | -49.22M | |
| Pre-Tax Income | 55.79M | 144.70M | |
| Income Tax | 1.84M | -73.07M | |
| Minority Interest | -9.96M | -50.32M | |
| Net Income | 47.68M | 21.31M | |
| EPS (Basic) | 0.24 | 0.11 | |
| EPS (Diluted) | 0.24 | 0.11 | |
| Operating Margin | 0.29% | 5.07% | |
| Pre-Tax Margin | 1.22% | 3.78% | |
| Net Margin | 1.05% | 0.56% |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Profitability | |||
| Return on Equity (ROE) | 1.72% | 0.79% | |
| Return on Assets (ROA) | 0.61% | 0.30% | |
| Return on Invested Capital | 1.69% | 0.77% | |
| Operating Margin | 0.29% | 5.07% | |
| Net Margin | 1.05% | 0.56% | |
| Pre-Tax Margin | 1.22% | 3.78% | |
| Liquidity | |||
| Current Ratio | 2.76 | 2.85 | |
| Leverage | |||
| Debt / Equity | 0.04 | 0.05 | |
| Debt / Assets | 0.02 | 0.02 | |
| LT Debt / Equity | 0.02 | 0.02 | |
| LT Debt / Assets | 0.01 | 0.01 | |
| Net Debt | -2.87B | -2.33B | |
| Total Debt | 122.84M | 140.01M | |
| Efficiency | |||
| Asset Turnover | 0.59 | 0.54 | |
| Per Share | |||
| Book Value Per Share | 14.06 | 13.86 | |
| Tangible Book Per Share | 13.94 | 13.82 | |
| Total Debt Per Share | 0.62 | 0.71 | |
| Working Capital Per Share | 21.96 | 18.74 | |
| Shares & Market | |||
| Total Shares Outstanding | 198,394,462 | 198,394,462 | |
| Market Cap | 4.58B | 2.34B | |
| Enterprise Value | 4.71B | 2.48B | |
| Shareholders | 1,005 | 1,005 | |
| 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 | -199.10M |
| FY2025 | FY2024 | ||
|---|---|---|---|
| P/E Ratio | 96.17 | 109.78 | |
| P/B Ratio | 1.64 | 0.85 | |
| P/S Ratio | 1.01 | 0.61 | |
| P/CF Ratio | 9.58 | 4.13 | |
| Market Cap | 4.58B | 2.34B | |
| Enterprise Value | 4.71B | 2.48B |
| TTM | ||
|---|---|---|
| Income | ||
| Revenue | 5.34B | |
| Operating Income | 136.74M | |
| Net Income | 166.80M | |
| Free Cash Flow | 1.07B | |
| EPS (Basic) | 0.84 | |
| Margins | ||
| Operating Margin | 2.56% | |
| Net Margin | 3.13% | |
| Returns | ||
| Return on Equity (ROE) | 5.99% | |
| ROIC | 0.06% | |
| Coverage & Debt | ||
| Debt / Revenue | 0.01 | |
| Valuation & Scores | ||
| P/E (TTM) | 65.37 | |
| Sloan Ratio | -10.89 | |
| Zmijewski Score | -0.56 | |
Computed Metrics (Latest Period)
| FY2025 | ||
|---|---|---|
| Extended Returns | ||
| Return on Common Equity | 1.72% | |
| Return on Tangible Equity | 1.73% | |
| Return on Tangible Assets | 0.61% | |
| Return on Total Capital | 0.46% | |
| ROCE | 0.24% | |
| Growth | ||
| EPS Diluted Growth | 1.24% | |
| Sustainable Growth Rate | 1.72% | |
| Quality & Risk Scores | ||
| Zmijewski Score | -0.62 | |
| Sloan Ratio | -8.98 | |
| Valuation (Computed) | ||
| Graham Number | 8.72 | |
| Tobin's Q Ratio | 0.56 | |
| Leverage & Coverage | ||
| Total Debt / Capital | 0.04% | |
| Assets / Equity (Leverage) | 2.91 | |
| Effective Interest Rate | 20.78% | |
| Debt / Revenue | 0.03 | |
| Efficiency (Computed) | ||
| Fixed Asset Turnover | 13.73 | |
| Dividends (Computed) | ||
| Share Buyback Ratio | 0.00 | |
| Per Employee | ||
| Balance Sheet (Computed) | ||
| Book Value Per Share | 14.06 | |
| Earnings Schedule | ||
Insurance Metrics
| FY2025 | FY2024 | ||
|---|---|---|---|
| Underwriting | |||
| Premiums Earned | 4.29B | 3.42B | |
| Losses & Adjustments | -2.17B | -1.66B | |
| Claims & Reserves | -2.16B | -1.66B | |
| Underwriting Commissions | -401.85M | -350.69M | |
| Investment Income | 247.72M | 396.69M | |
| Insurance Ratios | |||
| Loss Ratio | 50.48% | 48.37% | |
| Expense Ratio | 55.21% | 59.23% | |
| Combined Ratio | 105.69% | 107.60% | |
| Claims / Premiums | 46.21% | 43.69% | |
| Equity Ratio | 0.34% | 0.37% | |
| Investment Income / Assets | 12.25% | 16.63% | |
| Premiums / Equity | 169.36% | 140.69% | |
| Insurance Liabilities | |||
| Policy Liabilities | 3.34B | 3.03B | |
| Unearned Premiums | 2.69B | 2.44B | |
| Policy Claims | 636.39M | 564.94M | |
| Premium Receivables | 1.24B | 904.02M | |