Jubilee Life Insurance Company Limited (PSX:JLICL)

PSX:JLICL Financials Overview

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

Revenue & Profits

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Revenue Revenue Growth	93,768	96,869	100,792	78,190	50,248	51,762
Revenue Growth	-7.13%	-3.89%	28.91%	55.61%	-2.93%	-9.39%
Operating Income Operating Income Growth	3,431	4,135	4,452	4,465	3,377	2,646
Net Income Net Income Growth	2,182	2,496	2,574	2,306	2,072	1,793
Earnings Per Share EPS Growth	21.75	24.87	25.65	22.98	20.65	17.87
EPS Growth	-16.88%	-3.04%	11.60%	11.30%	15.56%	-37.83%

Revenue by Segment

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Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Accident & Health Business Accident & Health Business Growth	13,600	11,876	9,280	7,432	6,526
Individual Family Takaful Individual Family Takaful Growth	19,998	21,879	16,025	11,276	11,948
Accident & Health Family Takaful Accident & Health Family Takaful Growth	3,819	2,595	1,719	1,183	1,163
Individual Life Unit Linked Individual Life Unit Linked Growth	52,103	58,052	46,000	26,641	29,916
Group Family Takaful Group Family Takaful Growth	393.37	424.79	293.87	212.13	181.61
Conventional Business Conventional Business Growth	6,178	5,274	3,973	3,274	2,427
Overseas Group Life & Health Business Overseas Group Life & Health Business Growth	0.1	45.39	27.16	13.19	-7.35
Total Total Growth	96,090	100,146	77,319	50,032	52,155

Cash & Debt

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Investments Cash & Investments Growth	5,424	4,819	3,936	6,025	12,069	24,430
Total Debt Total Debt Growth	883.81	896.3	1,119	1,344	1,661	1,917
Net Cash (Debt) Net Cash Growth	4,540	3,923	2,817	4,681	10,409	22,513
Net Cash Growth	19.95%	39.26%	-39.82%	-55.03%	-53.76%	43.07%
Net Cash Per Share Net Cash Per Share Growth	45.25	39.09	28.07	46.65	103.72	224.34

Cash Flow & CapEx

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Operating Cash Flow Operating Cash Flow Growth	-11,914	-10,384	-22,150	-13,499	-6,227	-1,323
Capital Expenditures CapEx Growth	-985.04	-1,042	-468.94	-315.38	-417.66	-639.63
Free Cash Flow Free Cash Flow Growth	-12,899	-11,426	-22,619	-13,815	-6,644	-1,962
Free Cash Flow Growth	-	-	-	-	-	-

Margins

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Operating Margin	3.66%	4.27%	4.42%	5.71%	6.72%	5.11%
Pretax Margin	3.70%	4.32%	4.29%	5.57%	6.57%	4.91%
Profit Margin	2.33%	2.58%	2.55%	2.95%	4.12%	3.46%
FCF Margin	-13.76%	-11.79%	-22.44%	-17.67%	-13.22%	-3.79%

Dividends

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug 20, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Dividend Per Share Dividend Per Share Growth	13.000	13.000	13.000	13.000	11.304	12.609
Dividend Per Share Growth	0%	0%	0%	15.00%	-10.35%	-12.12%
Dividend Yield	6.23%	8.18%	8.63%	12.22%	13.25%	10.29%

Valuation

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug 20, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
PE Ratio	8.83	6.80	6.75	5.92	5.85	10.51
PS Ratio	0.21	0.18	0.17	0.18	0.24	0.36

Data Source: S&P Global Market Intelligence Last updated: Jun 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:

Aug 20, 2026

Data Sources Report a data error