Karachi: Habib Insurance Limited (HICL) has reported a varied performance for the fiscal year ending 2025, as shown in its latest financial results. The company witnessed fluctuations in key performance metrics compared to previous years, reflecting the challenges and opportunities in the insurance sector.
On May 20, 2026, HICL disclosed its financial ratios and analytics, highlighting significant movements in several areas. The underwriting results, expressed as a percentage of gross premium and contribution, remained unchanged from 2023 to 2025, at (7.1), though this marks a decline from a positive 0.3 in 2022. The company’s return on equity experienced a very large move, decreasing from 11.5% in 2024 to 5.0% in 2025.
The breakup value per share rose from Rs. 16.6 in 2024 to Rs. 19.1 in 2025, showing continued growth from Rs. 9.4 in 2022. Meanwhile, the market value per share at the end of the year was reported at Rs. 12.45 in 2025, up from Rs. 8.39 in 2024. According to information available from the Pakistan Stock Exchange (PSX), the PSX index saw a very large increase, rising from 115,127 points in 2024 to 174,473 points in 2025.
The company’s cash dividend percentage saw a significant move, dropping from 20.0% in 2024 to 12.5% in 2025. The dividend per share decreased to Rs. 0.95 in 2025 from Rs. 1.91 in the previous year. The dividend cover remained stable at 1.5 times, indicating the company’s ability to maintain its dividend payouts relative to earnings.
In terms of gross written premium and contribution, HICL reported a moderate increase from 4.00 million in 2024 to 4.04 million in 2025. However, profit after tax witnessed a very large decline, falling to 118,033 from 236,852 in 2024. Reserves and retained earnings increased from 1.44 million in 2024 to 1.75 million in 2025, reflecting a strengthening of the company’s financial position.
The designated market for HICL includes the insurance sector, where the company operates amid competitive pressures and regulatory developments. The mixed financial results underscore the dynamic nature of the industry and the strategic adjustments necessary for sustained growth.