Habib Insurance Company Limited (PSX:HICL)

Habib Insurance Company Balance Sheet

Financials in millions PKR. Fiscal year is January - December.

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Investments in Debt Securities	472.58	409.05	250	250	753.55	130.22
Investments in Equity & Preferred Securities	2,039	2,661	2,009	1,253	821.12	1,210
Total Investments	2,512	3,070	2,259	1,503	1,575	1,341
Cash & Equivalents	25.95	105.04	475.04	661.86	395.78	96.81
Reinsurance Recoverable	904.6	2,254	1,428	1,411	908.89	1,117
Other Receivables	3,116	936.6	945.77	807	817.49	823.11
Property, Plant & Equipment	244.95	105.23	99.41	114.02	56.1	68.89
Other Intangible Assets	15.41	10.46	13.36	0.24	0.45	0.67
Other Current Assets	696.82	575.41	736.61	715.34	558.39	512.53
Long-Term Deferred Charges	268.3	276.74	250.92	217.07	169.58	145.64
Other Long-Term Assets	439.3	436.14	276.09	64.67	62.3	88.02
Total Assets	8,223	7,770	6,485	5,494	4,544	4,194

Liabilities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Accrued Expenses	-	304.1	323.78	257.07	189.04	198.23
Insurance & Annuity Liabilities	910.15	421.3	383.5	373.08	117.21	180.38
Unpaid Claims	1,620	1,884	1,044	1,055	959.57	786.59
Unearned Premiums	2,254	1,869	1,810	1,582	1,419	1,179
Reinsurance Payable	-	201.16	381.72	337.47	397.31	243.03
Current Portion of Leases	-	8.39	16.38	19.36	14.54	11.99
Short-Term Debt	-	58	-	-	-	-
Long-Term Leases	52.92	5.96	9.38	21.4	16.37	25.54
Long-Term Deferred Tax Liabilities	300.98	445.64	296.89	142.07	17.29	82.02
Other Current Liabilities	-	72.98	69.65	69.39	83.54	62.81
Other Long-Term Liabilities	386.23	26.42	10.5	40.22	30.87	37.87
Total Liabilities	5,879	5,402	4,429	3,991	3,375	2,939

Shareholders' Equity

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Common Stock	1,000	619.37	619.37	619.37	619.37	619.37
Retained Earnings	590.39	675.66	684.35	499.13	448.09	406.77
Comprehensive Income & Other	753.64	1,073	751.7	384.95	100.84	228.93
Shareholders' Equity	2,344	2,368	2,055	1,503	1,168	1,255
Total Liabilities & Equity	8,223	7,770	6,485	5,494	4,544	4,194

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Filing Date Shares Outstanding	201.4	200	200	200	200	200
Total Common Shares Outstanding	201.4	200	200	200	200	200
Total Debt	312.7	72.35	25.76	40.77	30.91	37.53
Net Cash (Debt)	-286.75	32.69	449.28	621.1	364.87	59.28
Net Cash Growth	-	-92.72%	-27.66%	70.23%	515.46%	4.68%
Net Cash Per Share	-1.43	0.16	2.25	3.11	1.82	0.30
Book Value Per Share	11.64	11.84	10.28	7.52	5.84	6.28
Tangible Book Value	2,329	2,358	2,042	1,503	1,168	1,254
Tangible Book Value Per Share	11.56	11.79	10.21	7.52	5.84	6.27
Machinery	-	182.83	155.7	141.93	84.01	79.57

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Nov 2, 2026

Data Sources Report a data error