The United Insurance Company UNIC
Rs 12.53
Vol2,934,738Updated10:3029 Jul 2026
01—At a Glance
The headline take on UNIC — valuation, income, returns, and efficiency
Consolidated snapshot
02—Price & Performance
Closing prices across timeframes, returns, and range context
UNIC — Price History
Daily closing series · toggle period below
03—Key Metrics
Valuation, profitability, structure, and risk in one grid
04—Dividend History & Yield
Payout track record, yield trend, and upcoming distribution
UNIC has no cash dividend in the trailing 12 months. Its most recent payout was a 20% bonus issue, announced 16 Mar 2026 with book closure from 25 Mar 2026. Annual dividend-per-share history back to 2016 is charted below.
Latest Payout
Dividend Per Share Trend
Payout History
Source: PSX company payouts
| Announced | For Period | Type | Amount | Book Closure |
|---|---|---|---|---|
| 16 Mar 2026 | — | Bonus | 20% | 25 Mar 2026 – 25 Mar 2026 |
| 12 Mar 2026 | 31 Dec 2025 (YR) | Bonus | 20% | 18 Apr 2026 – 25 Apr 2026 |
| 27 Mar 2025 | 31 Dec 2024 (YR) | Bonus | 20% | 18 Apr 2025 – 25 Apr 2025 |
05—Financials & Earnings
Income, balance sheet, and key ratios from published accounts
UNIC's market capitalisation stands at Rs 6.26B as of 29 Jul 2026 — down 23.1% over the past 12 months (from Rs 8.14B).
Financial Statements
How OGDC's income and balance sheet have evolved
| PKR Millions | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | Trend |
|---|---|---|---|---|---|---|---|
| Other Income | 112 | 135 | 166 | 59 | 32 | 18 | |
| Financial Charges | 69 | 16 | 16 | 64 | 37 | 6 | |
| Profit Before Tax | 2,309 | 2,793 | 1,370 | 1,199 | 760 | 534 | |
| Taxation | 802 | 766 | 365 | 277 | 248 | 120 | |
| Profit After Tax | 1,506 | 2,027 | 1,005 | 922 | 512 | 415 | |
| EPS - Basic (Rs) | Rs 3.62 | Rs 4.87 | Rs 3.01 | Rs 3.12 | Rs 1.73 | Rs 1.41 |
All figures in PKR millions from published accounts.
Profitability & Returns
Margins, returns on capital, and earnings per share
Latest · FY25
| Ratio | Value |
|---|---|
| Earnings per share | Rs 3.62 |
Earnings per share
EPS — Basic · Rs
Financial Health
Coverage, leverage, and the strength of the balance sheet
Latest · FY25
| Ratio | Value |
|---|---|
| Effective tax rate | 34.7% |
Effective tax rate
Taxation ÷ profit before tax · %
Market cap trajectory
Close × current shares outstanding · current Rs 6.26B
Valuation & Capital Returns
What the market is paying for UNIC, and what it returns to shareholders
Latest · FY25
| Ratio | Value |
|---|---|
| Price to earnings | 4.14x |
Price to earnings
Period-end price ÷ EPS · times
06—Technical Analysis
Trading signal, moving averages, momentum, and key levels
10-day SMA (Rs 12.52) is above the 30-day SMA (Rs 12.50). RSI at 51 sits in the neutral band.
Moving AverageThe average close over a set window (10/30/200 days) — smooths daily noise to reveal the trend.Read the full guide →
| Period | Value | vs Current | Position |
|---|---|---|---|
| SMA 10 | Rs 12.52 | -0.10% | Above |
| SMA 30 | Rs 12.50 | -0.26% | Above |
| SMA 60 | Rs 12.45 | -0.65% | Above |
| SMA 200 | Rs 13.96 | +11.42% | Below |
At 51, momentum sits within the neutral band (30–70), suggesting balanced buying and selling pressure.
- MACD-0.06
- Signal-0.02
- Histogram-0.04
07—Leverage Insights
MTS, margin financing, futures open interest, and combined exposure
Leverage Composition
MTS · MFS stacked over the selected window
No blank sales
No net blank (short) sales reported for UNIC on the latest PSX DFC report.
08—Settlement Insights
UIN-wise settlement concentration and price context
Metrics and charts over the selected trailing window
Settlement % Trajectory
Solid = UIN settlement % · Dashed = 14-session EMA
As of 16 Jul 2026
Price vs Settlement
Close price (left axis) · UIN settlement % (right axis)
10—About the Company
Business description, governance, and corporate information
The United Insurance Company of Pakistan Limited was incorporated on October 20, 1959, in Pakistan as a Public Limited Company under the Defunct Companies Act, 1913, now the Companies Act, 2017.The principal activity of the Company is General Insurance Business and it qualifies as a domestic insurance company under the Insurance Ordinance, 2000 and undertakes Fire & Property Damage, Marine Aviation & Transport, Motor, Crop and Miscellaneous General Insurance. The Company has been allowed to carry on Window Takaful Operation on August 18, 2014 by the Securities and Exchange Commission of Pakistan (SECP) under the Takaful Rules, 2012. The Company has not transacted any insurance business outside Pakistan.
Corporate Information
- RegistrarM/s FD Registrar Services (SMC-Pvt) Ltd. 1705 17th Floor Saima Trade Center, I.I Chundrigar Road, Karachi.
- AuditorM/S. Rehman Sarfraz Rahim Iqbal Rafiq Chartered Accountants
- Websitewww.theunitedinsurance.com
- Address204, 2nd Floor, Madina City Mall, Abdullah Haroon Road, Saddar Karachi.
- SectorInsurance
- Financial Year EndDecember
Key People
| Name | Role |
|---|---|
MAMuhammad Akram Shahid | CEO |
MAMuhammad Ashraf Khan | Chairperson |
SMSyed Muhammad Tariq Nabeel Jafri | Company Secretary |
Reports & Filings
- Quarterly Report — 31 Mar 2026PDF
- Quarterly Report — 30 Sept 2025PDF
- Quarterly Report — 30 Jun 2025PDF
- Quarterly Report — 31 Mar 2025PDF
- Annual Report FY2025PDF
- Quarterly Report — 30 Sept 2024PDF
- Quarterly Report — 30 Jun 2024PDF
- Quarterly Report — 31 Mar 2024PDF
Sourced from official PSX financial-report submissions.
11—Recent Announcements
Latest company filings as reported on PSX
Filings and disclosures from the PSX announcement feed
- 30 Apr 2026Report
- 30 Apr 2026Corporate Briefing
- 28 Apr 2026Others
- 27 Apr 2026Board Meetings
- 27 Apr 2026Financial Results
- 24 Apr 2026Others
- 21 Apr 2026Others
- 17 Apr 2026Board Meetings
12—Peers in Insurance
How the cohort is moving — same-sector stocks by market cap
UNIC vs Insurance sector median
| Metric | UNIC | Sector median |
|---|---|---|
| P/E RatioShare price ÷ earnings per share — the price you pay for each rupee of annual profit. Compare within a sector.Read the full guide → | 3.5x | 6.1x |
| Dividend YieldTrailing-12-month cash dividends ÷ share price. A high yield can signal income — or a falling price.Read the full guide → | — | 7.4% |
| Return on EquityNet profit ÷ shareholders' equity — how hard the company works each rupee investors have put in.Read the full guide → | — | -4.5% |
| 1-Year Return | -23.0% | +3.8% |
| Market CapitalisationShare price × total shares — the company's full market value, and the basis for index weightings.Read the full guide → | Rs 6.26B | Rs 4.26B |
Insurance · sector heat
13—Frequently Asked Questions
The most common questions investors ask about UNIC
Frequently Asked Questions
UNIC closed at Rs 12.53 on 29 Jul 2026, up 2.20% on the day, within a 52-week range of Rs 11.50–17.00. Prices on this page refresh through the trading day; log in to BSL for live quotes.
The United Insurance Company of Pakistan Limited was incorporated on October 20, 1959, in Pakistan as a Public Limited Company under the Defunct Companies Act, 1913, now the Companies Act, 2017.The principal activity of the Company is Gene… See About the Company on this page for the full profile, management, and corporate information.
UNIC has not declared a cash dividend in the recent PSX record — some companies reinvest earnings instead; see the Financials section. For income ideas, browse the highest dividend yield stocks on PSX.
No upcoming payout is announced yet. The most recent was a 20% bonus issue with book closure from 25 Mar 2026. New announcements appear on this page and on the PSX ex-dates calendar.
No — UNIC is not currently a KSE-100 constituent. See the full KSE-100 index constituents and weights. UNIC is not currently on the PSX Shariah-compliant list.
UNIC trades at 3.5x earnings against a Insurance median of 6.1x. The full comparison table and peer list are in the Peers section, or explore the Insurance sector page.
Annual reports for FY2025 are linked under Reports & Filings in the About section of this page, sourced from official PSX submissions.
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