⚡ Flash Summary

Premier Insurance Limited (PINL) held a corporate briefing session on November 25, 2025, to discuss the company’s financial performance for the nine months ended September 30, 2025. The company’s conventional net insurance premium decreased from PKR 211.947 million to PKR 204.659 million YoY. Loss after tax increased significantly from PKR 21.047 million to PKR 87.941 million YoY. The company plans to enhance revenue and profitability through strategic restructuring and cost reduction initiatives.

📌 Key Takeaways

• 🗓️ Briefing session held on November 25, 2025.
• 📉 Conventional net insurance premium decreased to PKR 204.659 million from PKR 211.947 million YoY.
• ⚠️ Underwriting results worsened to PKR -58.282 million from PKR -102.548 million YoY.
• 💰 Investment income increased to PKR 194.317 million from PKR 133.868 million YoY.
• 📈 Results of operating activities improved to PKR 144.036 million from PKR 45.902 million YoY.
• 🔴 Loss before tax increased to PKR 105.380 million from PKR 27.488 million YoY.
• 🔴 Loss after tax increased to PKR 87.941 million from PKR 21.047 million YoY.
• 📊 Conventional gross written premium increased from PKR 386.933 million to PKR 404.867 million YoY.
• 🤝 Crescent Powertech Limited holds an 18% stake in PINL.
• 🏢 PINL operates with 11 branches across 9 cities.
• 📜 PINL has a credit rating of ‘A’ with a stable outlook.
• 🎯 Company aims to enhance revenue and profitability through strategic restructuring.
• 💼 Company aims to restructure portfolio by phasing out unprofitable customers.

🎯 Investment Thesis

Given the decreased net insurance premium, increased losses, and concerns about underwriting capabilities, a SELL recommendation is warranted. A price target cannot be accurately determined without further financial details and sector analysis, but the current trend suggests a potential downside. The time horizon is SHORT_TERM until the company can demonstrate a turnaround in its financial performance.