TPL Insurance Limited (PSX:TPLI)
Pakistan flag Pakistan · Delayed Price · Currency is PKR
55.85
+2.85 (5.38%)
At close: Sep 11, 2026

TPL Insurance Financials Overview

Millions PKR. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
5,2764,5673,8903,6073,0922,508
Revenue Growth
27.11%17.40%7.83%16.66%23.27%7.11%
Operating Income
162.142.58173.68118.3470.9921.55
Net Income
189.0457.6471.631,12718.26-9.69
Earnings Per Share
0.940.290.365.680.10-0.06
EPS Growth
594.27%-19.53%-93.65%5345.72%--

Revenue by Segment

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Fire & Property Damage
152.2169.7696.0176.3946.4729.17
Marine, Aviation & Transport
131.2994.951.7728.114.7626.29
Motor
3,8093,3462,7302,5252,4492,127
Health
536.34525.3483.13395.38407179.91
Miscellaneous
357.53257.6163.4859.650.0435.72
Unallocated Investment Income
224.67207.39388.83439.9184.8678.67
Unallocated Other Income
121.94141.2978.9486.1661.8532.18
Total
5,3334,6433,8923,6113,1142,509

Cash & Debt

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
5,3914,3993,7573,3422,3961,376
Total Debt
69.52122.84140.01130.22235.29199.42
Net Cash (Debt)
5,3214,2763,6173,2122,1601,177
Net Cash Growth
30.09%18.23%12.60%48.68%83.56%37.04%
Net Cash Per Share
26.4521.5318.2116.1912.347.88

Cash Flow & CapEx

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
915.06302.12242.71-76.93321.39-36.25
Capital Expenditures
-46.44-131.89-58.09-39.99-54.42-143.61
Free Cash Flow
868.62170.23184.62-116.92266.97-179.86
Free Cash Flow Growth
209.26%-7.79%----

Margins

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Margin
3.07%0.06%4.46%3.28%2.30%0.86%
Pretax Margin
3.95%1.22%3.72%32.50%2.10%-0.21%
Profit Margin
3.58%1.26%1.84%31.24%0.59%-0.39%
FCF Margin
16.46%3.73%4.75%-3.24%8.63%-7.17%

Dividends

Fiscal YearFY 2023
Period EndingDec '23
Dividend Per Share
3.000
Dividend Per Share Growth
-
Dividend Yield
20.76%

Valuation

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
59.4379.6132.662.54181.95-
P/FCF Ratio
12.7726.9612.67-12.45-
PS Ratio
2.101.000.600.801.081.39