Habib Insurance Company Limited

KASE:HICL Stock Report

Market Cap: PK₨1.1b

Habib Insurance Past Earnings Performance

Past criteria checks 4/6

Habib Insurance has been growing earnings at an average annual rate of 18.3%, while the Insurance industry saw earnings growing at 23.1% annually. Revenues have been growing at an average rate of 21.1% per year. Habib Insurance's return on equity is 9.7%, and it has net margins of 8.7%.

Key information

18.3%

Earnings growth rate

18.3%

EPS growth rate

Insurance Industry Growth18.8%
Revenue growth rate21.1%
Return on equity9.7%
Net Margin8.7%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Habib Insurance makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

KASE:HICL Revenue, expenses and earnings (PKR Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 241,8921648280
30 Jun 241,9461728260
31 Mar 241,9391448050
31 Dec 231,8911137970
30 Sep 231,8071058320
30 Jun 231,7261388210
31 Mar 231,5441077760
31 Dec 221,3791117170
30 Sep 221,2361145990
30 Jun 221,084675570
31 Mar 221,0441035250
31 Dec 219631075030
30 Sep 219611085420
30 Jun 21901965160
31 Mar 218731094600
31 Dec 20839624190
30 Sep 20829453980
30 Jun 20873663860
31 Mar 20888613800
31 Dec 19874703750
30 Sep 19836723520
30 Jun 19789813440
31 Mar 197511003360
31 Dec 187381053180
30 Sep 187461112970
30 Jun 187401082950
31 Mar 18780993000
31 Dec 178001103060
30 Sep 178341502560
30 Jun 178221662660
31 Mar 178081732800
31 Dec 167781922900
30 Sep 166721642910
30 Jun 166761722860
31 Mar 166421762700
31 Dec 157012272660
30 Sep 157342392660
30 Jun 157192292530
31 Mar 157953032500
31 Dec 147252602340
30 Sep 147392892250
30 Jun 147162702190
31 Mar 146892472120

Quality Earnings: HICL has a high level of non-cash earnings.

Growing Profit Margin: HICL's current net profit margins (8.7%) are higher than last year (5.8%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: HICL's earnings have grown by 18.3% per year over the past 5 years.

Accelerating Growth: HICL's earnings growth over the past year (56.8%) exceeds its 5-year average (18.3% per year).

Earnings vs Industry: HICL earnings growth over the past year (56.8%) exceeded the Insurance industry 52.3%.

Return on Equity

High ROE: HICL's Return on Equity (9.7%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/01/22 22:44
End of Day Share Price 2025/01/22 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Habib Insurance Company Limited is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution