Financial Analysis

BALANCE SHEET 2015 2014 2013 2012 2011 2010
Rupees in millions
Paid up share capital 893.84 452.31 452.31 452.31 452.31 310.00
Accumulated losses / Unappropriated profits 45.72 12.44 (13.49) (65) (84.66) (114.49)
Total Equity 939.56 464.76 438.83 387.31 367.65 195.51
Investments 101.35 49.94 153.24 149.27 163.11 33.85
Fixed assets 384.71 308.70 169.09 120.16 106.35 112.07
Capital work in progress 0.00 4.84 19.05 47.89 147.93 161
Cash and bank deposits 640.65 8.95 108.35 17.77 22.06 4.66
Other assets 551.57 815.91 625.82 507.98 336.52 252.51
Total assets of General Takaful Operations - OF 190.68 81.40 - - - -
Total Assets 1,868.96 1,269.75 1,075.54 843.07 775.98 564.08
Underwriting liabilities 693.85 695.88 568 418.84 314.78 264.37
Short term finance - - - - - 37.27
Other liabilities 129.86 81.57 68.72 36.9 93.54 66.93
Total liabilities of General Takaful Operations - OF 105.69 27.54 - - - -
Total Liabilities 929.40 804.99 636.72 455.74 408.32 368.58

 

2015 2014 2013 2012 2011 2010
Profitability Ratios
Return on Assets 1.8% 2.0% 4.8% 5.1% 3.8% -3.2%
Return on Equity 3.5% 5.6% 11.7% 11.0% 8.1% -9.2%
Underwriting Margin 4.9% 7.5% 15.5% 14.1% 16.1% 5.4%
Net profit Margin 2.9% 2.5% 7.0% 6.9% 6.6% -5.4%
EBITDA Margin 13.6% 10.9% 17.6% 18.0% 21.1% 13.3%
Return on Capital Employed 3.0% 3.9% 8.9% 8.8% 7.8% -1.1%
Liquidity Ratios
Current ratio 4.89 3.68 3.66 4.04 1.98 1.22
Cash to Current Liabilities 280.5% 31.8% 58.6% 14.6% 14.1% 2.9%
Cash flow from Operations Margin 15.8% 15.7% 21.3% 8.8% 16.1% 13.2%
Activity / Turnover Ratios
Asset Turnover Ratio 60.4% 82.1% 68.2% 73.5% 58.5% 58.7%
No. Of days in Premium Receivable 47 29 44 28 27 15
Fixed Asset Turnover 34% 30% 23% 19% 23% 34%
No. Of days in Claim Settlement 64 79 100 79 77 95
Investment Valuation Ratios
Break-up value per share 12.4 10.1 9.5 8.4 8.0 6.3
Earning per share 0.5 0.5 1.1 0.9 0.8 -0.6
Capital Structure Ratio
Debt Equity Ratio 0.0% 0.0% 0.0% 0.0% 0.4% 22.8%

 

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