Reliance Insurance Company Limited

KASE:RICL Stock Report

Market Cap: PK₨838.4m

Reliance Insurance Past Earnings Performance

Past criteria checks 5/6

Reliance Insurance has been growing earnings at an average annual rate of 37.9%, while the Insurance industry saw earnings growing at 23.1% annually. Revenues have been growing at an average rate of 17.3% per year. Reliance Insurance's return on equity is 22.6%, and it has net margins of 34.3%.

Key information

37.9%

Earnings growth rate

37.9%

EPS growth rate

Insurance Industry Growth18.8%
Revenue growth rate17.3%
Return on equity22.6%
Net Margin34.3%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

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

Earnings and Revenue History

KASE:RICL Revenue, expenses and earnings (PKR Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 249483252710
30 Jun 249353362640
31 Mar 247962552590
31 Dec 237281722510
30 Sep 236011032280
30 Jun 23539712190
31 Mar 23468362140
31 Dec 22441442130
30 Sep 22395372070
30 Jun 22375322060
31 Mar 22408582040
31 Dec 21381532040
30 Sep 21437702040
30 Jun 21477942030
31 Mar 215061282030
31 Dec 20412682050
30 Sep 204671112120
30 Jun 20437912100
31 Mar 20351172160
31 Dec 19448712160
30 Sep 19326-102180
30 Jun 19331-42190
31 Mar 19360132090
31 Dec 18397492070
30 Sep 18385432050
30 Jun 18369262010
31 Mar 18347-11950
31 Dec 17320-391910
30 Sep 17386271290
30 Jun 17390311390
31 Mar 174811151590
31 Dec 164581011670
30 Sep 16423691760
30 Jun 16377401720
31 Mar 16366431630
31 Dec 15403811620
30 Sep 15408931600
30 Jun 154581431580
31 Mar 154071001550
31 Dec 14392901530
30 Sep 143981061630
30 Jun 14376861590
31 Mar 14377911570
31 Dec 13358751550

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

Growing Profit Margin: RICL's current net profit margins (34.3%) are higher than last year (17.1%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: RICL has become profitable over the past 5 years, growing earnings by 37.9% per year.

Accelerating Growth: RICL's earnings growth over the past year (215.3%) exceeds its 5-year average (37.9% per year).

Earnings vs Industry: RICL earnings growth over the past year (215.3%) exceeded the Insurance industry 52.3%.

Return on Equity

High ROE: RICL's Return on Equity (22.6%) is considered high.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/23 09:44
End of Day Share Price 2024/12/20 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

Reliance 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.

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