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ALAC - FoxLogica

ALAC

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⏸️ ALAC: HOLD Signal (5/10) – Board Meeting Other Than financial Results

⚡ Flash Summary

Askari Life Assurance Company Limited announced a board of directors meeting scheduled for December 11, 2025, in Rawalpindi. The purpose of the meeting is to consider and approve the Business Plan and draft Budget for the year 2026. In compliance with PSX Regulations, any material information arising from the meeting will be disseminated accordingly. The company has also declared a closed period for trading of shares, spanning from December 4, 2025, to December 11, 2025, inclusive.

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

📌 Key Takeaways

  • 📅 Board of Directors meeting on December 11, 2025, at 10:30 AM in Rawalpindi.
  • 🏢 Meeting aims to approve the Business Plan and draft Budget for 2026.
  • 📢 Material information from the meeting will be disseminated per PSX Regulations.
  • 🔒 Closed period declared from December 4, 2025, to December 11, 2025.
  • 🚫 During the closed period, no Director, CEO, or Executive can trade shares.
  • 📜 Compliance with the Rule Book of the Pakistan Stock Exchange.
  • 📍 Registered Office: 8th Floor, Army Welfare Trust, AWT Plaza, Rawalpindi.
  • 📧 Company’s email: info@askarilife.com.
  • 📞 Contact number: 021-111-225-275.
  • 🌐 Company’s website: askarilife.com.
  • 🏢 Head Office located in Emerald Tower, Karachi.
  • 👤 Muhammad Nadeem Rajput is the Company Secretary.
  • ✉️ Communication sent to the General Manager, Pakistan Stock Exchange Limited.

🎯 Investment Thesis

Given the limited information in the announcement, a HOLD recommendation is appropriate. The board’s decision on the 2026 budget and business plan will provide more concrete data for future investment decisions. A more informed stance can be taken once the outcomes of the board meeting are disclosed.

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Disclaimer: AI-generated analysis. Not financial advice.

Written by: FoxLogica News Analysis

Published on: December 4, 2025

⏸️ ALAC: HOLD Signal (6/10) – Presentation of Corporate Briefing Session 2025

⚡ Flash Summary

Askari Life Assurance Co. Ltd. presented its Corporate Briefing Session 2025. The company, part of Army Welfare Trust (AWT), is a public limited company listed on the Pakistan Stock Exchange (PSX) since 1992, with AWT acquiring majority shareholding in 2017. Askari Life has a fund size of approximately Rs. 3 billion and is backed by reinsurers like Munich Re and Hannover Re. The company reported a gross premium of Rs. 2,196.376 million for Sep 2025 compared to Rs. 2,017.612 million in 2024.

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

📌 Key Takeaways

  • ✅ Askari Life is part of the Army Welfare Trust (AWT).
  • 🏢 Licensed as a public limited company in 1992 and listed on PSX.
  • 🤝 AWT acquired majority shareholding in 2017.
  • 💰 Company has a fund size of approx. Rs. 3 Billion.
  • 🛡️ Backed by reinsurers like Munich Re and Hannover Re.
  • 📈 Gross premium of Rs. 2,196.376 million (Sep 2025) vs. Rs. 2,017.612 million (2024).
  • 🏢 290K+ covered persons.
  • 💸 Claims paid amounted to Rs 627.69 million in 2024.
  • ✨ Strategic roadmap focuses on market-leading products, expansive distribution, corporate partnerships, and digital transformation.
  • 💼 Offers a range of regular premium and takaful products.
  • 🤝 Bancassurance distribution through Askari Bank, Al Baraka Bank, and U Bank.
  • 💻 Focus on product innovation and digitalization.

🎯 Investment Thesis

Based on the provided information, a HOLD recommendation is appropriate. The company shows growth in premiums and profitability. However, a more thorough financial analysis is necessary to determine a price target.

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Disclaimer: AI-generated analysis. Not financial advice.

Written by: FoxLogica News Analysis

Published on: November 24, 2025

⏸️ ALAC: HOLD Signal (5/10) – CORPORATE BRIEFING SESSION (CBS)

⚡ Flash Summary

Askari Life Assurance Company Limited will hold a Corporate Briefing Session (CBS) on Tuesday, November 25, 2025, at 10:30 AM via video link. The session aims to brief investors and analysts on the company’s financial performance and outlook. Interested individuals must register by emailing their particulars to company.secretary@askarilife.com no later than November 24, 2025. Registered participants will receive login details to attend the session.

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

📌 Key Takeaways

  • 🗓️ Corporate Briefing Session (CBS) scheduled for November 25, 2025.
  • 💻 Session will be conducted via video link at 10:30 AM.
  • 📢 The CBS will provide updates on the company’s financial performance and future outlook.
  • 📧 Interested individuals must register by emailing company.secretary@askarilife.com.
  • 📝 Registration deadline is November 24, 2025, by 5:00 PM.
  • 🆔 Login details will be shared upon receipt of registration information.
  • 🤝 The session is intended for investors and analysts.
  • 🏢 Askari Life Assurance Company Limited is hosting the briefing.
  • 📍 The company’s head office is located in Karachi.
  • 📞 Contact number for inquiries is +92 21 36269941-44.
  • 🌐 Further information can be found on askarilife.com.
  • 🏢 Registered office is in Rawalpindi, located at AWT Plaza.
  • ❓ A Question & Answer session will be held after the presentation.
  • 🖐️ Participants are requested to use the ‘raise hand’ feature or submit their questions through the chat box.

🎯 Investment Thesis

HOLD. The announcement provides no information to change the current investment stance. Further analysis is required after the CBS. Price target and time horizon cannot be set without financial details.

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Disclaimer: AI-generated analysis. Not financial advice.

Written by: FoxLogica News Analysis

Published on: November 21, 2025

⏸️ ALAC: HOLD Signal (6/10) – Financial Results for the nine months ended September 30, 2025

⚡ Flash Summary

Askari Life Assurance Company Limited reported financial results for the nine months ended September 30, 2025. The company announced no cash dividend, bonus shares, or right shares. Net premium/contribution revenue increased significantly compared to the same period last year. The company reported a profit before tax, in contrast to a loss in the prior year, indicating an improvement in operational performance.

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

📌 Key Takeaways

  • 1. 🗓️ The announcement covers financial results for the nine months ended September 30, 2025.
  • 2. 💰 No cash dividend was declared by the company.
  • 3. 🎁 No bonus shares were announced.
  • 4. 📈 No right shares were offered.
  • 5. 📜 No other price-sensitive information was disclosed.
  • 6. ⬆️ Net premium/contribution revenue increased to PKR 1,888.102 million from PKR 976.860 million year-over-year.
  • 7. 📊 Investment income decreased to PKR 169.382 million from PKR 208.816 million year-over-year.
  • 8. 📉 Net insurance benefits increased to PKR 326.772 million from PKR 204.251 million year-over-year.
  • 9. 📈 Profit before tax was PKR 39.584 million compared to a loss of PKR (60.556) million in the prior year.
  • 10. ⬆️ Profit for the period amounted to PKR 38.264 million compared to a loss of PKR (65.122) million year-over-year.
  • 11. 💸 Earnings per share increased to PKR 0.25 from a loss per share of PKR (0.43).
  • 12. 💼 Total assets increased to PKR 3,615.060 million from PKR 2,949.764 million since December 31, 2024.
  • 13. 🏦 Cash and bank balance increased to PKR 319.230 million from PKR 244.906 million since December 31, 2024.

🎯 Investment Thesis

Given the mixed signals of revenue growth but decreased investment income, along with improved profitability, a HOLD recommendation is appropriate. More consistent earnings and a clearer growth trajectory are needed before considering a BUY.

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Disclaimer: AI-generated analysis. Not financial advice.

Written by: FoxLogica News Analysis

Published on: November 7, 2025

📈 ALAC: BUY Signal (7/10) – Transmission of Quarterly Report for the Period Ended September 30, 2025

⚡ Flash Summary

Askari Life Assurance Company Limited reported a significant turnaround for the nine months ended September 30, 2025, achieving a profit after tax of PKR 40.95 million compared to a loss of PKR 65.12 million in the same period last year. Gross premium revenue surged by 75% to PKR 2,196.38 million, driven by growth in both individual and group life segments. Despite a decline in investment income, the company demonstrated improved profitability and operational efficiency, reinforcing its prudent business strategy and robust risk management framework. The company remains optimistic about achieving sustained growth and long-term profitability.

Signal: BUY 📈
Strength: 7/10
Sentiment: POSITIVE
Time Horizon: MEDIUM_TERM

📌 Key Takeaways

  • 📈 Gross premium revenue increased by 75% to PKR 2,196.38 million compared to PKR 1,253.05 million in the corresponding period of last year.
  • 👤 Individual life business grew significantly, reaching PKR 1,794.26 million against PKR 872.27 million in the same period last year.
  • 👥 Group life business stood at PKR 402.12 million, compared to PKR 380.77 million in the corresponding period.
  • 📉 Investment and other income declined to PKR 245.03 million from PKR 276.84 million in the corresponding period due to lower interest rates.
  • 📊 The Company’s investment portfolio increased to PKR 3,304.10 million as of September 30, 2025, from PKR 2,703.69 million as of December 31, 2024.
  • 💰 Net insurance benefits expense increased by 60% to PKR 326.77 million, driven by the rise in Gross Written Premium (GWP).
  • ⚙️ Marketing, administration, and other expenses increased by 14% to PKR 345.95 million.
  • ✅ Profit after tax reached PKR 40.95 million, a significant improvement from a loss of PKR 65.12 million in the same period of last year.
  • ⭐ The company maintains its focus on sustainable growth, digital innovation, and operational excellence.
  • 🤝 The Board acknowledges the support of policyholders, shareholders, business partners, regulators, and employees.

🎯 Investment Thesis

We recommend a BUY rating for Askari Life Assurance Company Limited. The company’s recent performance demonstrates a significant turnaround with substantial revenue growth and improved profitability. We believe that Askari Life is well-positioned to capitalize on the growing demand for insurance products in Pakistan. We set a price target of PKR 1.00, based on discounted cash flow analysis, representing an upside of 70% from the current market price, with a medium-term (12-18 months) time horizon.

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Disclaimer: AI-generated analysis. Not financial advice.

Written by: FoxLogica News Analysis

Published on: November 6, 2025

⏸️ ALAC: HOLD Signal (5/10) – BOARD MEETING

⚡ Flash Summary

Askari Life Assurance Company Limited has announced a Board of Directors meeting to be held on October 27, 2025, in Rawalpindi. The purpose of the meeting is to consider and approve the financial statements for the third quarter ending on September 30, 2025. A closed period has been declared from October 20, 2025, to October 27, 2025, during which directors, the CEO, and executives are prohibited from dealing in the company’s shares. This announcement ensures compliance with the Pakistan Stock Exchange’s regulations regarding insider trading during sensitive financial reporting periods.

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

📌 Key Takeaways

  • 📅 Board of Directors meeting scheduled for October 27, 2025.
  • 📍 Meeting will be held in Rawalpindi.
  • 📑 Purpose: to consider and approve financial statements for Q3 2025.
  • 📊 Q3 2025 financial statements cover the period ending September 30, 2025.
  • 🔒 Closed period declared from October 20, 2025, to October 27, 2025.
  • 🚫 During the closed period, insiders are prohibited from trading shares.
  • 👤 Applies to Directors, CEO, and Executives.
  • 📜 The closed period complies with the Rule Book of the Pakistan Stock Exchange.
  • 📢 TRE Certificate holders of the Exchange are to be informed.
  • ✉️ Announcement made by Muhammad Nadeem Rajput, Company Secretary.
  • 🏢 Askari Life Assurance Company Limited is the issuer.
  • October 20, 2025, is the date of the announcement.

🎯 Investment Thesis

Based solely on the announcement of the board meeting and closed period, a HOLD recommendation is appropriate. The announcement itself provides no new information to alter an existing investment thesis. A change in recommendation would depend on the content of the Q3 2025 financial statements when released.

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Disclaimer: AI-generated analysis. Not financial advice.

Written by: FoxLogica News Analysis

Published on: October 20, 2025