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Pakistani (KSE) Insurance Industry Analysis
UpdatedFeb 21, 2026
DataAggregated Company Financials
Companies28
- 7D-5.3%
- 3M3.2%
- 1Y24.7%
- YTD2.4%
Over the last 7 days, the Insurance industry has dropped 5.3%, driven by a pullback from Adamjee Insurance of 10%. Meanwhile, Pakistan General Insurance actually outperformed within the industry, gaining 22% in the last week. This takes the industry's 12 month performance to a gain of 25%.
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 |
|---|---|---|---|---|---|---|
| Sat, 21 Feb 2026 | PK₨243.0b | PK₨659.4b | PK₨33.9b | 6.3x | 7.2x | 0.4x |
| Mon, 19 Jan 2026 | PK₨247.5b | PK₨628.8b | PK₨33.7b | 6.3x | 7.3x | 0.4x |
| Wed, 17 Dec 2025 | PK₨228.6b | PK₨628.8b | PK₨33.7b | 5.9x | 6.8x | 0.4x |
| Fri, 14 Nov 2025 | PK₨231.6b | PK₨628.5b | PK₨34.0b | 6x | 6.8x | 0.4x |
| Sun, 12 Oct 2025 | PK₨231.6b | PK₨582.7b | PK₨30.8b | 6.4x | 7.5x | 0.4x |
| Tue, 09 Sep 2025 | PK₨232.7b | PK₨582.7b | PK₨30.8b | 6.4x | 7.6x | 0.4x |
| Thu, 07 Aug 2025 | PK₨226.9b | PK₨579.3b | PK₨31.5b | 6.6x | 7.2x | 0.4x |
| Sat, 05 Jul 2025 | PK₨209.9b | PK₨579.3b | PK₨31.5b | 5.6x | 6.7x | 0.4x |
| Mon, 02 Jun 2025 | PK₨183.6b | PK₨579.3b | PK₨31.5b | 4.7x | 5.8x | 0.3x |
| Wed, 30 Apr 2025 | PK₨172.6b | PK₨569.4b | PK₨30.9b | 4.5x | 5.6x | 0.3x |
| Fri, 28 Mar 2025 | PK₨182.2b | PK₨564.3b | PK₨31.1b | 5.4x | 5.9x | 0.3x |
| Sun, 23 Feb 2025 | PK₨173.7b | PK₨521.7b | PK₨30.8b | 5.5x | 5.6x | 0.3x |
| Tue, 21 Jan 2025 | PK₨171.5b | PK₨521.6b | PK₨30.9b | 5.2x | 5.6x | 0.3x |
| Thu, 19 Dec 2024 | PK₨174.0b | PK₨521.6b | PK₨30.9b | 5.1x | 5.6x | 0.3x |
| Sat, 16 Nov 2024 | PK₨158.5b | PK₨521.4b | PK₨30.9b | 4.8x | 5.1x | 0.3x |
| Mon, 14 Oct 2024 | PK₨136.4b | PK₨492.9b | PK₨32.2b | 4.2x | 4.2x | 0.3x |
| Wed, 11 Sep 2024 | PK₨141.6b | PK₨492.9b | PK₨32.2b | 4.5x | 4.4x | 0.3x |
| Fri, 09 Aug 2024 | PK₨142.4b | PK₨456.9b | PK₨28.5b | 4.3x | 5x | 0.3x |
| Sun, 07 Jul 2024 | PK₨140.2b | PK₨456.9b | PK₨28.5b | 4.6x | 4.9x | 0.3x |
| Tue, 04 Jun 2024 | PK₨134.1b | PK₨452.1b | PK₨27.5b | 4.9x | 4.9x | 0.3x |
| Thu, 02 May 2024 | PK₨123.0b | PK₨423.1b | PK₨25.4b | 4.5x | 4.8x | 0.3x |
| Sat, 30 Mar 2024 | PK₨126.9b | PK₨391.8b | PK₨25.2b | 5.2x | 5x | 0.3x |
| Mon, 26 Feb 2024 | PK₨121.3b | PK₨372.9b | PK₨22.6b | 4.4x | 5.4x | 0.3x |
| Wed, 24 Jan 2024 | PK₨132.5b | PK₨375.4b | PK₨23.0b | 4.7x | 5.8x | 0.4x |
| Fri, 22 Dec 2023 | PK₨129.9b | PK₨362.4b | PK₨22.7b | 4.4x | 5.7x | 0.4x |
| Sun, 19 Nov 2023 | PK₨127.5b | PK₨358.8b | PK₨22.6b | 4.2x | 5.6x | 0.4x |
| Tue, 17 Oct 2023 | PK₨115.4b | PK₨335.6b | PK₨18.3b | 5x | 6.3x | 0.3x |
| Thu, 14 Sep 2023 | PK₨111.1b | PK₨329.5b | PK₨18.0b | 5x | 6.2x | 0.3x |
| Sat, 12 Aug 2023 | PK₨118.0b | PK₨304.0b | PK₨16.9b | 5.7x | 7x | 0.4x |
| Mon, 10 Jul 2023 | PK₨113.0b | PK₨304.0b | PK₨16.9b | 5.3x | 6.7x | 0.4x |
| Wed, 07 Jun 2023 | PK₨111.6b | PK₨304.0b | PK₨16.9b | 5.5x | 6.6x | 0.4x |
| Fri, 05 May 2023 | PK₨113.1b | PK₨297.6b | PK₨16.6b | 6.4x | 6.8x | 0.4x |
| Sun, 02 Apr 2023 | PK₨119.3b | PK₨289.5b | PK₨16.1b | 5.3x | 7.4x | 0.4x |
| Tue, 28 Feb 2023 | PK₨117.5b | PK₨280.0b | PK₨17.4b | 5.8x | 6.7x | 0.4x |
Price to Earnings Ratio
6.7x
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 7.2x 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 0.34x.
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 33% 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 | -3.78% | |
| Financials | -3.04% | |
| Insurance | -5.27% | |
| General Insurance | -1.59% | |
| Life and Health Insurance | -3.96% | |
| Property and Casualty Insurance | -5.75% | |
| Reinsurance | -9.34% | |
Industry PE
- Investors are most optimistic about the General Insurance industry even though it's trading below its 3-year average PE ratio of 309x.
- It looks like they are confident that earnings will grow faster in the future than they have historically.
- Investors are most pessimistic about the Property and Casualty Insurance industry, which is trading close to its 3-year average of 5.6x.
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 | |
|---|---|---|---|---|---|
| PKGI Pakistan General Insurance | PK₨25.97 | 21.6% +PK₨231.0m | 172.5% | PE21.3x | |
| ASIC Asia Insurance | PK₨19.10 | 2.7% +PK₨36.5m | 36.4% | n/a | |
| CENI Century Insurance | PK₨59.79 | 0.03% +PK₨1.1m | 31.3% | PE5.7x |