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Pakistani (KSE) Insurance Industry Analysis
UpdatedDec 24, 2025
DataAggregated Company Financials
Companies26
- 7D-2.0%
- 3M-4.1%
- 1Y18.6%
- YTD15.9%
Over the last 7 days, the Insurance industry has dropped 2.2%, driven by pullbacks in Adamjee Insurance and IGI Holdings of 6.9% and 4.7%, respectively. On the other hand IGI Life Insurance is actually up 9.4%. Over the past 12 months, the industry was up 19%.
Industry Valuation and Performance
Has the Pakistani Insurance Industry valuation changed over the past few years?
| Date | Market Cap | Revenue | Earnings | PE | Absolute PE | PS |
|---|---|---|---|---|---|---|
| Wed, 24 Dec 2025 | PK₨224.0b | PK₨628.8b | PK₨33.7b | 5.9x | 6.6x | 0.4x |
| Fri, 21 Nov 2025 | PK₨231.9b | PK₨628.5b | PK₨34.0b | 6x | 6.8x | 0.4x |
| Sun, 19 Oct 2025 | PK₨235.2b | PK₨582.7b | PK₨30.8b | 6.4x | 7.6x | 0.4x |
| Tue, 16 Sep 2025 | PK₨230.3b | PK₨582.7b | PK₨30.8b | 6.4x | 7.5x | 0.4x |
| Thu, 14 Aug 2025 | PK₨233.6b | PK₨579.3b | PK₨31.5b | 6.7x | 7.4x | 0.4x |
| Sat, 12 Jul 2025 | PK₨217.5b | PK₨579.3b | PK₨31.5b | 5.7x | 6.9x | 0.4x |
| Mon, 09 Jun 2025 | PK₨183.6b | PK₨579.3b | PK₨31.5b | 4.9x | 5.8x | 0.3x |
| Wed, 07 May 2025 | PK₨174.0b | PK₨576.4b | PK₨31.9b | 4.6x | 5.5x | 0.3x |
| Fri, 04 Apr 2025 | PK₨178.8b | PK₨564.8b | PK₨31.2b | 5.5x | 5.7x | 0.3x |
| Sun, 02 Mar 2025 | PK₨171.1b | PK₨537.4b | PK₨31.1b | 5.3x | 5.5x | 0.3x |
| Tue, 28 Jan 2025 | PK₨169.5b | PK₨521.6b | PK₨30.9b | 5.3x | 5.5x | 0.3x |
| Thu, 26 Dec 2024 | PK₨173.4b | PK₨521.6b | PK₨30.9b | 5.1x | 5.6x | 0.3x |
| Sat, 23 Nov 2024 | PK₨160.2b | PK₨521.6b | PK₨30.9b | 5x | 5.2x | 0.3x |
| Mon, 21 Oct 2024 | PK₨141.3b | PK₨496.5b | PK₨32.5b | 4.3x | 4.4x | 0.3x |
| Wed, 18 Sep 2024 | PK₨139.2b | PK₨492.9b | PK₨32.2b | 4.5x | 4.3x | 0.3x |
| Fri, 16 Aug 2024 | PK₨142.9b | PK₨456.9b | PK₨28.5b | 4.6x | 5x | 0.3x |
| Sun, 14 Jul 2024 | PK₨139.2b | PK₨456.9b | PK₨28.5b | 4.5x | 4.9x | 0.3x |
| Tue, 11 Jun 2024 | PK₨130.1b | PK₨452.1b | PK₨27.5b | 4.7x | 4.7x | 0.3x |
| Thu, 09 May 2024 | PK₨122.8b | PK₨449.1b | PK₨27.2b | 4.3x | 4.5x | 0.3x |
| Sat, 06 Apr 2024 | PK₨126.4b | PK₨392.5b | PK₨25.4b | 5.1x | 5x | 0.3x |
| Mon, 04 Mar 2024 | PK₨121.7b | PK₨372.9b | PK₨22.6b | 5x | 5.4x | 0.3x |
| Wed, 31 Jan 2024 | PK₨130.9b | PK₨375.4b | PK₨23.0b | 4.6x | 5.7x | 0.3x |
| Fri, 29 Dec 2023 | PK₨129.8b | PK₨362.4b | PK₨22.7b | 4.3x | 5.7x | 0.4x |
| Sun, 26 Nov 2023 | PK₨128.4b | PK₨358.8b | PK₨22.6b | 4.3x | 5.7x | 0.4x |
| Tue, 24 Oct 2023 | PK₨118.5b | PK₨335.7b | PK₨18.4b | 5.4x | 6.5x | 0.4x |
| Thu, 21 Sep 2023 | PK₨110.7b | PK₨329.6b | PK₨18.1b | 4.8x | 6.1x | 0.3x |
| Sat, 19 Aug 2023 | PK₨117.8b | PK₨304.0b | PK₨16.9b | 5.7x | 7x | 0.4x |
| Mon, 17 Jul 2023 | PK₨113.1b | PK₨304.0b | PK₨16.9b | 5.5x | 6.7x | 0.4x |
| Wed, 14 Jun 2023 | PK₨112.7b | PK₨304.0b | PK₨16.9b | 5.6x | 6.7x | 0.4x |
| Fri, 12 May 2023 | PK₨110.2b | PK₨298.5b | PK₨16.2b | 6.5x | 6.8x | 0.4x |
| Sun, 09 Apr 2023 | PK₨114.1b | PK₨238.4b | PK₨17.0b | 6.8x | 6.7x | 0.5x |
| Tue, 07 Mar 2023 | PK₨116.9b | PK₨285.0b | PK₨17.5b | 5.7x | 6.7x | 0.4x |
| Thu, 02 Feb 2023 | PK₨118.7b | PK₨280.0b | PK₨17.4b | 5.5x | 6.8x | 0.4x |
| Sat, 31 Dec 2022 | PK₨119.2b | PK₨280.0b | PK₨17.4b | 5.9x | 6.8x | 0.4x |
Price to Earnings Ratio
6.8x
Current Industry PE
- Investors are optimistic on the Pakistani Insurance industry, and appear confident in long term growth rates.
- The industry is trading at a PE ratio of 6.7x which is higher than its 3-year average PE of 6.0x.
- The industry is trading close to its 3-year average PS ratio of 0.35x.
Past Earnings Growth
- The earnings for companies in the Insurance industry have grown 25% per year over the last three years.
- Revenues for these companies have grown 31% per year.
- This means that more sales are being generated by these companies overall, and subsequently their profits are increasing too.
Industry Trends
Which industries have driven the changes within the Pakistani Financials industry?
| PK Market | 0.027% | |
| Financials | 1.53% | |
| Insurance | -2.01% | |
| Property and Casualty Insurance | -1.78% | |
| Life and Health Insurance | -2.17% | |
| Reinsurance | -2.36% | |
| General Insurance | -6.19% | |
Industry PE
- Investors are most optimistic about the Life and Health Insurance industry which is trading above its 3-year average PE ratio of 8.2x.
- It looks like they are confident that earnings will grow faster in the future than they have historically.
Forecasted GrowthThere is insufficient data on the sub-industries of this industry.
Top Stock Gainers and Losers
Which companies have driven the market over the last 7 days?
| Company | Last Price | 7D | 1Y | Valuation | |
|---|---|---|---|---|---|
| IGIL IGI Life Insurance | PK₨22.97 | 9.4% +PK₨337.7m | 56.2% | PE11.7x | |
| JLICL Jubilee Life Insurance | PK₨166.00 | 1.8% +PK₨298.0m | -7.2% | PE6.2x | |
| CSIL Crescent Star Insurance | PK₨8.56 | 35.9% +PK₨243.4m | 192.2% | PS6.4x | |
| ALAC Askari Life Assurance | PK₨13.28 | 9.1% +PK₨166.7m | 137.1% | PE16.8x | |
| UNIC United Insurance Company of Pakistan | PK₨15.00 | 0.7% +PK₨41.6m | 14.7% | PE3.3x |