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UNIC - FoxLogica

UNIC

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⏸️ UNIC: HOLD Signal (5/10) – Financial Results for the Quarter Ended 2025-09-30

⚡ Flash Summary

The United Insurance Company of Pakistan Limited reported its financial results for the third quarter ended September 30, 2025. There was no cash dividend, bonus shares, or right shares declared for the quarter. The un-audited financial results are attached as Annexure ‘A’. The quarterly report will be transmitted through PUCARS and made available on the company’s website.

Signal: HOLD ⏸️
Strength: 5/10
Sentiment: NEUTRAL
Time Horizon: MEDIUM_TERM

📌 Key Takeaways

  • 📢 No cash dividend was declared for the quarter ended September 30, 2025.
  • 🎁 No bonus shares were announced.
  • 🚫 No right shares were issued.
  • 📜 The un-audited financial results are available as Annexure ‘A’.
  • 🌐 The quarterly report will be available on the company’s website: www.theunitedinsurance.com.
  • 📊 Net insurance premium decreased from PKR 1,021.11 million to PKR 998.26 million for the three months ended Sept 30, 2025.
  • 📉 Underwriting results decreased from PKR 198.56 million to PKR 52.96 million for the three months ended Sept 30, 2025.
  • 💰 Investment income decreased from PKR 33.76 million to PKR 28.34 million for the three months ended Sept 30, 2025.
  • 💸 Profit for the period decreased from PKR 277.68 million to PKR 183.77 million for the three months ended Sept 30, 2025.
  • EPS decreased from PKR 0.73 to PKR 0.48 for the three months ended Sept 30, 2025.
  • 📈 For the nine months ended Sept 30, 2025, net insurance premium increased from PKR 2,886.12 million to PKR 3,123.64 million.
  • 📈 Underwriting results increased from PKR 1,055.36 million to PKR 1,180.95 million for the nine months ended Sept 30, 2025.
  • 📉 Investment income decreased from PKR 78.43 million to PKR -257.93 million for the nine months ended Sept 30, 2025.
  • 📉 Profit for the period decreased from PKR 959.60 million to PKR 812.42 million for the nine months ended Sept 30, 2025.
  • 📉 EPS decreased from PKR 2.52 to PKR 2.13 for the nine months ended Sept 30, 2025.

🎯 Investment Thesis

Based on the analysis, a HOLD recommendation is appropriate. The company’s mixed financial performance, with decreases in profit and EPS, suggests caution. A price target cannot be accurately determined without more in-depth analysis and sector comparison, but the current results indicate potential downward pressure on the company’s valuation. Time horizon is medium-term, pending further financial performance.

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Disclaimer: AI-generated analysis. Not financial advice.

Written by: FoxLogica News Analysis

Published on: November 7, 2025

⏸️ UNIC: HOLD Signal (6/10) – Transmission of Quarterly Report for the Period Ended 2025-09-30

⚡ Flash Summary

The United Insurance Company of Pakistan Ltd. reported its 3rd Quarter 2025 results, showcasing a mixed performance. Gross written premium for the conventional business decreased to Rs. 5,618.88 million from Rs. 6,021.76 million in 2024, while net premium income increased to Rs. 3,123.641 million from Rs. 2,886.121 million. Profit before tax decreased to Rs. 1,014.529 million from Rs. 1,244.086 million, and earnings per share (EPS) fell to Rs. 2.13 from Rs. 2.52. Despite a challenging economic environment, the company demonstrated stability and improved underwriting results, while also experiencing growth in its Takaful operations investment income.

Signal: HOLD ⏸️
Strength: 6/10
Sentiment: NEGATIVE
Time Horizon: MEDIUM_TERM

📌 Key Takeaways

  • 📉 Gross written premium for conventional business decreased to Rs. 5,618.88 million in 2025 vs. Rs. 6,021.76 million in 2024.
  • 📈 Net premium income for conventional business increased to Rs. 3,123.641 million in 2025 vs. Rs. 2,886.121 million in 2024.
  • 💰 Profit before tax decreased to Rs. 1,014.529 million in 2025 vs. Rs. 1,244.086 million in 2024.
  • 💲 Earnings per share (EPS) decreased to Rs. 2.13 in 2025 vs. Rs. 2.52 in 2024.
  • 🔥 Underwriting results improved to Rs. 1,180.948 million in 2025 vs. Rs. 1,055.361 million in 2024.
  • 💸 Management expenses increased to Rs. 1,095.405 million in 2025 vs. Rs. 1,057.026 million in 2024.
  • 🤝 Written gross contribution for Window Takaful decreased to Rs. 1,400.690 million in 2025 vs. Rs. 1,663.904 million in 2024.
  • 🚀 Investments income of Participants Takaful fund increased to Rs. 20.948 million in 2025 vs. Rs. 15.660 million in 2024.
  • 📊 Investments income of the Operator’s fund increased to Rs. 36.365 million in 2025 vs. Rs. 22.642 million in 2024.
  • 📈 General, administrative and management expenses of the operator increased to Rs. 493.648 million in 2025 vs. Rs. 433.577 million in 2024.
  • ⭐ Total assets increased to Rs. 16,558.890 million in 2025 vs. Rs. 16,053.484 million in 2024.
  • Equity increased to Rs. 6,281.641 million vs. Rs. 5,436.030 million

🎯 Investment Thesis

HOLD. The mixed performance in 3Q25, with declining premiums and EPS but improved underwriting results and investment income, suggests caution. While the company shows stability and growth in certain areas, declining profitability is a concern. A hold is warranted until there is clearer evidence of sustained improvement in key financial metrics and a stabilization of premium income.

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Disclaimer: AI-generated analysis. Not financial advice.

Written by: FoxLogica News Analysis

Published on: November 6, 2025

⏸️ UNIC: HOLD Signal (5/10) – Board of Directors Meeting

⚡ Flash Summary

The United Insurance Company of Pakistan Limited is holding a Board of Directors meeting on October 27, 2025, to review the Third Quarterly Accounts for the period ending September 30, 2025, and to consider the declaration of any entitlement. In compliance with PSX Regulations, the company has announced a “Closed Period” from October 18, 2025, to October 27, 2025. During this period, no Director, CEO, or Executive is permitted to deal in the company’s shares.

Signal: HOLD ⏸️
Strength: 5/10
Sentiment: NEUTRAL
Time Horizon: MEDIUM_TERM

📌 Key Takeaways

  • 🗓️ Board of Directors meeting scheduled for October 27, 2025.
  • 🏢 Meeting to be held at UIG House, Lahore.
  • 🕒 Meeting to commence at 12:00 noon.
  • 📑 Agenda includes reviewing Third Quarterly Accounts.
  • 📊 Accounts are for the period ended September 30, 2025.
  • 💰 Declaration of entitlement to be considered.
  • 🚫 “Closed Period” declared from October 18 to October 27, 2025.
  • 🔒 Restrictions on trading by Directors, CEO, and Executives during this period.
  • 📜 Compliance with Clause 5.6.4 of PSX Regulations.
  • ℹ️ TRE Certificate Holders to be informed.
  • 🇵🇰 Company is The United Insurance Company of Pakistan Limited.
  • 🏢 Registered Office in Karachi.
  • 🌐 Company website: www.theunitedinsurance.com.
  • 📧 Email: info@theunitedinsurance.com

🎯 Investment Thesis

HOLD. Given the limited information in the announcement, a HOLD recommendation is appropriate. Awaiting the release of the Third Quarterly Accounts is crucial for a more informed investment decision. The board meeting announcement itself does not provide sufficient basis for a change in recommendation.

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Disclaimer: AI-generated analysis. Not financial advice.

Written by: FoxLogica News Analysis

Published on: October 17, 2025