| 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
| Income Statement | (Rs. In Millions) | |||||
| Gross premium written | 2,505.30 | 2,408.70 | 2,292.70 | 2,054.50 | 1,635.50 | 1,220.80 |
| Net premium revenue | 2,136.20 | 2,246.60 | 2,068.80 | 1,750.50 | 1,419.30 | 1,049.10 |
| Underwriting expenses | (2,024.50) | (2,116.70) | (1,957.10) | (1,724.60) | (1,368.30) | (973.30) |
| Underwriting results | 111.70 | 129.90 | 111.70 | 25.90 | 51.00 | 75.80 |
| Investment income and other income | 152.10 | 70.70 | 61.90 | 106.80 | 93.50 | 92.80 |
| Other expenses | (207.80) | (165.90) | (80.10) | (50.60) | (152.00) | (133.60) |
| Profit / (Loss) before tax for the year | 56.00 | 34.70 | 93.50 | 82.10 | (7.50) | 35.00 |
| Profit / (Loss) after tax | 30.50 | 23.80 | 35.20 | 36.40 | (19.80) | 22.00 |
| Balance Sheet | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
| Paid up share capital | 946.70 | 955.60 | 1,009.10 | 904.10 | 800.90 | 464.70 |
| Accumulated (losses) / Unappropriated profits | (114.00) | 8.00 | 138.70 | 138.70 | 138.70 | - |
| Unrealized gain (loss) on revaluation of available-for-sale investments | (29.70) | (26.70) | (26.40) | 2.30 | - | - |
| Participant's Takaful Fund | (48.90) | (170.30) | (201.70) | (121.90) | (55.10) | (1.90) |
| Total Equity | 754.10 | 766.60 | 919.70 | 923.20 | 884.50 | 462.80 |
| Investments | 729.40 | 1,026.30 | 1,213.30 | 1,056.80 | 930.40 | 49.90 |
| Fixed assets | 426.50 | 122.00 | 70.00 | 361.20 | 384.70 | 308.70 |
| Capital work in progress | 2.60 | 7.60 | 21.40 | - | - | 4.80 |
| Cash and bank deposits | 702.40 | 251.90 | 247.20 | 240.90 | 30.40 | 89.80 |
| Other assets | 1,105.20 | 1,216.90 | 1,147.10 | 759.00 | 635.70 | 834.60 |
| Total Assets | 2,966.10 | 2,624.70 | 2,699.00 | 2,417.90 | 1,981.20 | 1,287.80 |
| Underwriting liabilities | 1,505.10 | 1,447.40 | 1,383.60 | 1,247.90 | 970.00 | 756.10 |
| Other liabilities | 706.90 | 410.70 | 395.70 | 246.80 | 126.70 | 68.90 |
| Total Liabilities | 2,212.00 | 1,858.10 | 1,779.30 | 1,494.70 | 1,096.70 | 825.00 |
| 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | ||
| Profitability | |||||||
| Profit Before Tax / Gross Premium | % | 2.2% | 1.4% | 4.1% | 4.0% | -0.5% | 2.9% |
| Profit Before Tax / Net Premium | % | 2.6% | 1.5% | 4.5% | 4.7% | -0.5% | 3.3% |
| Profit After Tax / Gross Premium | % | 1.2% | 1.0% | 1.5% | 1.8% | -1.2% | 1.8% |
| Profit After Tax / Net Premium | % | 1.4% | 1.1% | 1.7% | 2.1% | -1.4% | 2.1% |
| Underwriting Result / Gross Premium | % | 4.5% | 5.4% | 7.8% | 3.7% | -0.1% | -0.7% |
| Underwriting Result / Net Premium | % | 5.2% | 5.8% | 8.7% | 4.3% | -0.1% | -0.8% |
| Profit Before Tax / Total Income | % | 2.4% | 1.5% | 4.4% | 4.4% | -0.5% | 3.1% |
| Profit After Tax / Total Income | % | 1.3% | 1.0% | 1.7% | 2.0% | -1.3% | 1.9% |
| Combined ratio | % | 94.8% | 94.2% | 91.3% | 95.7% | 100.1% | 100.8% |
| Net Claims / Net Premium | % | 41.3% | 43.0% | 43.2% | 45.7% | 48.7% | 50.7% |
| Management Expenses / Net Premium | % | 40.6% | 40.7% | 40.4% | 40.9% | 38.9% | 36.2% |
| Net Profit Margin | % | 1.3% | 1.0% | 1.7% | 2.0% | -1.3% | 1.9% |
| Return to Shareholders | |||||||
| Return on Equity | % | 4.0% | 3.1% | 3.8% | 3.9% | -2.2% | 4.7% |
| Return on Capital Employed | % | 3.3% | 3.1% | 3.8% | 3.9% | -2.2% | 4.7% |
| Return on Assets | % | 1.03% | 0.91% | 1.31% | 1.51% | -1.00% | 1.67% |
| Earnings / (Loss) Per Share attributable to Shareholders' Fund | Rs. | (1.14) | 0.04 | 1.12 | 1.10 | 0.36 | 0.27 |
| Price Earning Ratio | Times | N/A | 564.8 | 22.1 | 17.3 | 67.0 | 93.8 |
| Price to Book Ratio | Times | 3.0 | 2.2 | 2.1 | 1.7 | 2.4 | 5.2 |
| Breakup value per share | Rs. | 8.6 | 10.0 | 11.9 | 11.1 | 10.0 | 5.0 |
| Market Data | |||||||
| Market Price per share at the end of the year | Rs. | 25.7 | 21.9 | 24.8 | 19.0 | 23.8 | 25.8 |
| Market Price per share - Highest during the year | Rs. | 29.7 | 25.67 | 28.4 | 23.2 | 24.5 | 28.0 |
| Market Price per share - Lowest during the year | Rs. | 18.3 | 19.28 | 17.1 | 14.0 | 16.4 | 8.5 |
| Performance / Liquidity | |||||||
| Current Ratio | Times | 1.2 | 1.3 | 1.5 | 1.4 | 1.5 | 1.2 |
| Cash / Current Liabilities | % | 34.5% | 13.6% | 13.9% | 16.2% | 2.8% | 10.6% |
| Total Assets Turnover | Times | 0.77 | 0.88 | 0.8 | 0.8 | 0.8 | 0.9 |
| Fixed Assets Turnover | Times | 5.3 | 17.9 | 23.3 | 5.1 | 3.9 | 3.6 |
| Total Liabilities / Equity | Times | 2.9 | 2.4 | 1.9 | 1.6 | 1.2 | 1.8 |
| Cashflow from Operations Margin | % | 14.9% | 9.5% | -3.7% | 19.7% | 18.6% | 23.3% |
| No. Of days in Premium Receivable | Days | 45 | 45 | 71 | 68 | 44 | 35 |
| No. Of days in Claim Settlement | Days | 67 | 56 | 52 | 54 | 76 | 92 |
| Paid-up Capital / Total Assets | % | 31.6% | 35.8% | 28.0% | 31.4% | 38.1% | 35.2% |
| Earning assets / Total Assets | % | 48.3% | 48.7% | 54.1% | 53.9% | 48.5% | 10.7% |
| Shareholders' Equity / Total Assets | % | 27.1% | 35.7% | 41.5% | 43.4% | 47.4% | 35.5% |
