⚡ Flash Summary
Habib Insurance Company Limited reported its financial results for the nine months ended September 30, 2025. The company’s net insurance premium increased year-over-year, but underwriting results declined. Profit before tax increased compared to the same period last year. The company declared no cash dividend, bonus shares, or right shares for the period.
Signal: HOLD ⏸️
Strength: 5/10
Sentiment: NEUTRAL
Time Horizon: MEDIUM_TERM
📌 Key Takeaways
- 📈 Net insurance premium increased to PKR 1,297.174 million compared to PKR 1,093.362 million in 2024.
- 📉 Underwriting results showed a loss of PKR 47.470 million, compared to a loss of PKR 135.625 million in 2024.
- 💰 Investment income increased to PKR 315.786 million from PKR 204.180 million year-over-year.
- 💸 Other income decreased to PKR 9.207 million compared to PKR 92.191 million in the previous year.
- ⚠️ Other expenses increased significantly to PKR 30.673 million (2025) vs. PKR 10.144 million (2024).
- 📊 Profit before tax was PKR 230.314 million, up from PKR 192.738 million in the prior year.
- 🧾 Income tax expense increased to PKR 71.971 million from PKR 66.054 million.
- ✅ Profit after tax increased to PKR 158.343 million from PKR 126.684 million in 2024.
- ✨ Total comprehensive income for the period was PKR 536.427 million compared to PKR 278.463 million in the prior year.
- EPS increased to PKR 1.28 vs PKR 1.02.
- 🚫 No cash dividend, bonus shares, or right shares were recommended by the board.
- ⬆️ Total assets increased to PKR 7,398.577 million from PKR 6,484.713 million.
🎯 Investment Thesis
HOLD. The company shows mixed performance with revenue growth offset by declining underwriting results and increasing expenses. While profit after tax and EPS has increased, it will be prudent to await further earnings reports before changing the rating. Accumulate on dips.
Disclaimer: AI-generated analysis. Not financial advice.