Karachi: Pak Qatar Family Takaful Limited (PQFTL) reported a 4% growth in its gross contribution for the fiscal year 2025, according to the company’s latest corporate brief session. The growth, compared to the previous year, saw an increase from Rs. 28.82 billion to Rs. 30 billion in 2025. The designated market category for PQFTL is the insurance and financial services sector.
The company’s individual life contributions rose by 6%, reaching Rs. 27.29 billion from Rs. 25.69 billion in 2024. However, PQFTL faced a downturn in its group health and group life contributions, both registering a 12% decrease, with group health falling to Rs. 2.13 billion and group life slipping to Rs. 613.96 million.
According to information available from the Pakistan Stock Exchange (PSX), PQFTL’s financial performance over the past six years reveals exponential growth, particularly in the last four years. The gross contribution, which stood at Rs. 7.96 billion in 2020, has quadrupled to Rs. 30 billion by 2025, underscoring the firm’s expanding footprint in the takaful industry.
The company’s profit after tax for 2025 was recorded at Rs. 291.31 million, reflecting a moderate move with an 8% increase from the previous year's profit of Rs. 269.72 million. Earnings per share also saw a slight increase from Rs. 1.82 in 2024 to Rs. 1.97 in 2025.
PQFTL’s statement of profit and loss account highlighted an uptick in total expenses, which rose to Rs. 2.05 billion in 2025 from Rs. 1.73 billion in 2024. Marketing and administration expenses increased to Rs. 1.10 billion, compared to Rs. 904.33 million the previous year. Meanwhile, acquisition expenses accounted for Rs. 931.14 million against Rs. 815.21 million in 2024.
The company’s investment income for 2025 saw a slight decrease, totaling Rs. 128.35 million compared to Rs. 217.21 million in 2024. Despite this, net realized fair value gains on investments improved, reaching Rs. 81.85 million from Rs. 73.74 million in the previous year.
Total other comprehensive income for 2025 was registered at a deficit of Rs. 11.13 million, compared to a deficit of Rs. 8.28 million in 2024. The actuarial loss on staff retirement benefits was a contributing factor, amounting to Rs. 15.81 million with a tax effect of Rs. 4.58 million.
In conclusion, PQFTL’s 2025 financial performance marks a significant move in its ongoing growth trajectory, despite challenges in specific segments like group health and group life. This performance underscores the company’s resilience and strategic focus in the insurance and financial services industry.