Pakistani (KSE) Property and Casualty Insurance Industry Analysis

Industry Valuation and Performance

Has the Pakistani Property and Casualty Insurance Industry valuation changed over the past few years?

Date	Market Cap	Revenue	Earnings	PE	Absolute PE	PS
Mon, 31 Aug 2026	PK₨143.4b	PK₨288.5b	PK₨24.3b	5.6x	5.9x	0.5x
Wed, 29 Jul 2026	PK₨137.4b	PK₨266.7b	PK₨22.7b	6.2x	6x	0.5x
Fri, 26 Jun 2026	PK₨123.7b	PK₨266.7b	PK₨22.7b	5.5x	5.4x	0.5x
Sun, 24 May 2026	PK₨119.5b	PK₨266.7b	PK₨22.7b	5.1x	5.3x	0.4x
Tue, 21 Apr 2026	PK₨122.2b	PK₨277.7b	PK₨22.6b	5.1x	5.4x	0.4x
Thu, 19 Mar 2026	PK₨114.9b	PK₨276.4b	PK₨22.7b	4.8x	5.1x	0.4x
Sat, 14 Feb 2026	PK₨132.7b	PK₨286.8b	PK₨22.6b	5.8x	5.9x	0.5x
Mon, 12 Jan 2026	PK₨130.1b	PK₨286.8b	PK₨22.6b	5.9x	5.8x	0.5x
Wed, 10 Dec 2025	PK₨117.4b	PK₨286.8b	PK₨22.6b	5.4x	5.2x	0.4x
Fri, 07 Nov 2025	PK₨119.8b	PK₨286.7b	PK₨22.6b	5.1x	5.3x	0.4x
Sun, 05 Oct 2025	PK₨121.5b	PK₨261.9b	PK₨20.3b	6x	6x	0.5x
Tue, 02 Sep 2025	PK₨115.1b	PK₨260.7b	PK₨20.2b	6.6x	5.7x	0.4x
Thu, 31 Jul 2025	PK₨108.9b	PK₨258.3b	PK₨20.4b	5.9x	5.3x	0.4x
Sat, 28 Jun 2025	PK₨95.4b	PK₨258.3b	PK₨20.4b	4.1x	4.7x	0.4x
Mon, 26 May 2025	PK₨90.6b	PK₨258.3b	PK₨20.4b	3.6x	4.5x	0.4x
Wed, 23 Apr 2025	PK₨88.0b	PK₨251.4b	PK₨19.2b	3.8x	4.6x	0.4x
Fri, 21 Mar 2025	PK₨89.9b	PK₨248.0b	PK₨17.7b	4.7x	5.1x	0.4x
Sun, 16 Feb 2025	PK₨88.6b	PK₨227.9b	PK₨18.0b	4.6x	4.9x	0.4x
Tue, 14 Jan 2025	PK₨87.5b	PK₨227.9b	PK₨18.0b	4.5x	4.9x	0.4x
Thu, 12 Dec 2024	PK₨87.8b	PK₨227.9b	PK₨18.0b	4.8x	4.9x	0.4x
Sat, 09 Nov 2024	PK₨69.9b	PK₨227.7b	PK₨18.0b	3.8x	3.9x	0.3x
Mon, 07 Oct 2024	PK₨64.1b	PK₨217.6b	PK₨19.1b	3.2x	3.4x	0.3x
Wed, 04 Sep 2024	PK₨67.0b	PK₨216.9b	PK₨20.0b	3.2x	3.3x	0.3x
Fri, 02 Aug 2024	PK₨64.8b	PK₨203.1b	PK₨15.6b	4.1x	4.1x	0.3x
Sun, 30 Jun 2024	PK₨66.4b	PK₨203.1b	PK₨15.6b	4.3x	4.3x	0.3x
Tue, 28 May 2024	PK₨56.7b	PK₨198.8b	PK₨14.8b	3.8x	3.8x	0.3x
Thu, 25 Apr 2024	PK₨54.7b	PK₨185.6b	PK₨13.2b	4.2x	4.1x	0.3x
Sat, 23 Mar 2024	PK₨55.2b	PK₨176.2b	PK₨13.8b	3.8x	4x	0.3x
Mon, 19 Feb 2024	PK₨55.2b	PK₨165.6b	PK₨11.2b	3.6x	4.9x	0.3x
Wed, 17 Jan 2024	PK₨67.2b	PK₨168.1b	PK₨11.6b	4.2x	5.8x	0.4x
Fri, 15 Dec 2023	PK₨68.2b	PK₨168.1b	PK₨11.6b	4x	5.9x	0.4x
Sun, 12 Nov 2023	PK₨64.4b	PK₨168.0b	PK₨11.6b	3.6x	5.6x	0.4x
Tue, 10 Oct 2023	PK₨60.1b	PK₨148.4b	PK₨7.8b	4.7x	7.7x	0.4x
Thu, 07 Sep 2023	PK₨59.9b	PK₨140.7b	PK₨7.8b	4.8x	7.6x	0.4x

Current Industry PE

Investors are optimistic on the Pakistani Property and Casualty Insurance industry, and appear confident in long term growth rates.

The industry is trading at a PE ratio of 5.9x which is higher than its 3-year average PE of 5.1x.

The industry is trading close to its 3-year average PS ratio of 0.39x.

Past Earnings Growth

The earnings for companies in the Property and Casualty Insurance industry have grown 46% per year over the last three years.
Revenues for these companies have grown 27% per year.
This means that more sales are being generated by these companies overall, and subsequently their profits are increasing too.

Industry Comparison

How does Pakistani Property and Casualty Insurance compare with similar industries?


PK Market	-0.095%
Financials	-0.21%
Insurance	1.46%
Property and Casualty Insurance	2.39%
Life and Health Insurance	0.67%
General Insurance	-0.011%
Reinsurance	-1.66%

Industry PEThere are no additional sub-industries under this industry.

Forecasted GrowthThere are no additional sub-industries under this industry.

Top Stock Gainers and Losers

Which companies have driven the market over the last 7 days?

Company	Last Price	7D	1Y	Valuation
AICL Adamjee Insurance	PK₨94.11	8.0% +PK₨2.4b	35.4%	PE5.7x
EFUG EFU General Insurance	PK₨127.99	3.2% +PK₨798.0m	0.4%	PE4.4x
TPLI TPL Insurance	PK₨55.96	7.2% +PK₨742.9m	246.9%	PE58.8x
HICL Habib Insurance	PK₨15.36	29.4% +PK₨432.3m	8.1%	PE8.2x
PKGI Pakistan General Insurance	PK₨35.20	25.7% +PK₨359.5m	211.5%	PE45x

New minor risk - Earnings quality

The company has large one-off items impacting its financial results. One-off items were 42% of the size of the rest of the company's trailing 12-month earnings before tax. This is considered a minor risk. One-off items are incomes or expenses that the company does not expect to repeat in future periods. Examples include profits from the sale of a business or expenses from a restructuring or legal settlements. If the company's reported statutory earnings include a large proportion of one-off items it means they may be an unreliable indicator of its true business performance as the earnings were skewed by these incomes or expenses. Currently, the following risks have been identified for the company: Major Risks Revenue is less than US$1m (PK₨118m revenue, or US$425k). Market cap is less than US$10m (PK₨1.00b market cap, or US$3.60m). Minor Risks Share price has been volatile over the past 3 months (8.1% average weekly change). Large one-off items impacting financial results. Profit margins are more than 30% lower than last year (20% net profit margin).

Pakistani (KSE) Property and Casualty Insurance Industry Analysis

Industry Valuation and Performance

Industry Comparison

Top Stock Gainers and Losers

Latest News

New minor risk - Share price stability

New major risk - Earnings quality

First half dividend increased to PK₨3.00

Second quarter 2026 earnings released: EPS: PK₨0.79 (vs PK₨0.14 in 2Q 2025)

Second quarter 2026 earnings released: PK₨0.74 loss per share (vs PK₨0.12 profit in 2Q 2025)

New minor risk - Earnings quality

Second quarter 2026 earnings released: EPS: PK₨2.27 (vs PK₨3.43 in 2Q 2025)

Second quarter 2026 earnings released: EPS: PK₨1.42 (vs PK₨0.45 in 2Q 2025)

Second quarter 2026 earnings released: EPS: PK₨4.33 (vs PK₨3.17 in 2Q 2025)

Second quarter 2026 earnings released: EPS: PK₨0.76 (vs PK₨0.21 in 2Q 2025)

Second quarter 2026 earnings released: EPS: PK₨7.71 (vs PK₨6.25 in 2Q 2025)

Second quarter 2026 earnings released: PK₨0.14 loss per share (vs PK₨0.037 profit in 2Q 2025)

Pak-Qatar General Takaful Limited to Report First Half, 2026 Results on Aug 28, 2026

Investor sentiment improves as stock rises 15%

Reliance Insurance Company Limited to Report First Half, 2026 Results on Aug 27, 2026