Adamjee Insurance Company Limited (PSX:AICL)
Pakistan · Delayed Price · Currency is PKR 92.00
+3.28 (3.70%)
At close: Jul 31, 2026
Adamjee Insurance Company Financials Overview
Financials in millions PKR. Fiscal year is January - December.
Millions PKR. Fiscal year is Jan - Dec.
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Revenue Revenue Growth | 100,990 | 102,467 | 89,370 | 64,353 | 43,061 | 38,355 |
Revenue Growth | 6.86% | 14.66% | 38.87% | 49.45% | 12.27% | 8.24% |
Operating Income Operating Income Growth | 8,655 | 9,177 | 8,178 | 4,674 | 2,747 | 3,613 |
Net Income Net Income Growth | 5,153 | 5,574 | 4,797 | 2,626 | 2,341 | 2,944 |
Earnings Per Share EPS Growth | 14.72 | 15.93 | 13.71 | 7.50 | 6.69 | 8.41 |
EPS Growth | -1.96% | 16.20% | 82.68% | 12.17% | -20.47% | 41.93% |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
General Insurance - Fire and Property Damage General Insurance - Fire and Property Damage Growth | 2,767 | 2,461 | 1,554 | 1,133 | 1,047 | 904.29 |
General Insurance - Marine, Aviation and Transport General Insurance - Marine, Aviation and Transport Growth | 1,657 | 1,738 | 1,471 | 1,195 | 1,194 | 1,006 |
General Insurance - Motor General Insurance - Motor Growth | 32,722 | 29,565 | 18,557 | 11,750 | 10,609 | 7,662 |
General Insurance - Accident and Health General Insurance - Accident and Health Growth | 4,852 | 4,569 | 4,419 | 4,452 | 3,394 | 2,241 |
General Insurance - Miscellaneous General Insurance - Miscellaneous Growth | 1,233 | 1,191 | 955.88 | 766.19 | 711.81 | 714.63 |
Life Insurance Life Insurance Growth | 51,942 | 56,388 | 56,955 | 40,617 | 24,037 | 20,123 |
Unallocated Net Investment Income Unallocated Net Investment Income Growth | 5,519 | 6,003 | 4,701 | 3,678 | 1,734 | 5,996 |
Unallocated Rental Income Unallocated Rental Income Growth | 140.03 | 136.94 | 126.92 | 117.74 | 104.86 | 83.62 |
Unallocated Other Income Unallocated Other Income Growth | 294.02 | 584.57 | 480.21 | 544.09 | 221.49 | 523.13 |
Total Total Growth | 101,126 | 102,638 | 89,218 | 64,254 | 43,053 | 39,254 |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash & Investments Cash & Investments Growth | 13,420 | 12,953 | 10,524 | 6,127 | 10,758 | 12,164 |
Total Debt Total Debt Growth | 344.99 | 355.34 | 400.21 | 115.94 | 131.62 | 1,196 |
Net Cash (Debt) Net Cash Growth | 13,075 | 12,598 | 10,124 | 6,011 | 10,626 | 10,968 |
Net Cash Growth | 81.31% | 24.44% | 68.42% | -43.43% | -3.12% | 0.30% |
Net Cash Per Share Net Cash Per Share Growth | 37.36 | 35.99 | 28.93 | 17.17 | 30.36 | 31.34 |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Operating Cash Flow Operating Cash Flow Growth | 3,911 | 7,580 | 9,081 | -3,543 | 4,015 | 8,033 |
Capital Expenditures CapEx Growth | -799.8 | -790.98 | -360.89 | -259.8 | -225.75 | -315.53 |
Free Cash Flow Free Cash Flow Growth | 3,111 | 6,789 | 8,720 | -3,802 | 3,790 | 7,717 |
Free Cash Flow Growth | -71.46% | -22.15% | - | - | -50.89% | 31.83% |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Operating Margin | 8.57% | 8.96% | 9.15% | 7.26% | 6.38% | 9.42% |
Pretax Margin | 9.21% | 9.58% | 9.62% | 7.77% | 7.57% | 11.13% |
Profit Margin | 5.10% | 5.44% | 5.37% | 4.08% | 5.44% | 7.67% |
FCF Margin | 3.08% | 6.63% | 9.76% | -5.91% | 8.80% | 20.12% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jul '26 Jul 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Dividend Per Share Dividend Per Share Growth | 4.000 | 4.000 | 3.000 | 3.000 | 3.000 | 3.000 |
Dividend Per Share Growth | 33.33% | 33.33% | 0% | 0% | 0% | 20.00% |
Dividend Yield | 4.51% | 5.05% | 6.54% | 10.41% | 14.08% | 10.91% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jul '26 Jul 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
PE Ratio | 6.03 | 5.09 | 3.64 | 4.55 | 4.21 | 4.76 |
Forward PE | - | 4.22 | 4.22 | 4.22 | 4.22 | 4.22 |
P/FCF Ratio | 9.98 | 4.18 | 2.01 | - | 2.60 | 1.81 |
PS Ratio | 0.31 | 0.28 | 0.20 | 0.19 | 0.23 | 0.37 |