Pak-Qatar General Takaful Limited (PQGTL) has announced its financial results for the year ended December 31, 2025, reporting a profit after taxation attributable to shareholders of Rs118.17 million and recommending a cash dividend of Rs1 per share, equivalent to 10%.
According to the company’s financial statements, the Board of Directors approved the results at its meeting held on April 8, 2026. The company did not announce any bonus shares or right shares.
Profit remains broadly stable
Pak-Qatar General Takaful recorded profit after taxation of Rs118.165 million for 2025, compared with Rs113.787 million in 2024. This represents an increase of approximately 3.9% year-on-year.
The company reported profit before taxation of Rs167.588 million, compared with Rs163.934 million a year earlier. Earnings per share stood at Rs1.83, compared with Rs1.86 in 2024. The lower EPS reflects the increase in the company’s issued and subscribed share capital during the year.
Takaful fund records lower surplus
The Participants’ Takaful Fund (PTF) generated a surplus of Rs28.825 million in 2025, compared with Rs47.317 million in 2024.
The fund reported contribution earned of Rs814.044 million, while net contribution revenue after contributions ceded to retakaful stood at Rs458.799 million. Retakaful rebate earned amounted to Rs83.789 million, resulting in net underwriting income of Rs542.587 million.
Net takaful claims incurred stood at Rs521.017 million, while investment income contributed Rs17.244 million.
Shareholders’ fund posts higher profit
The Shareholders’ Fund generated profit before tax of Rs167.588 million, compared with Rs163.934 million in the previous year.
Wakala fee income increased to Rs550.951 million from Rs511.789 million. However, commission expenses and general, administrative and management expenses remained significant components of the fund’s cost structure.
After taxation of Rs49.423 million, profit attributable to shareholders reached Rs118.165 million.
Equity strengthens during 2025
The company’s shareholders’ equity increased substantially during the year. According to the statement of changes in shareholders’ equity, issued and subscribed capital rose from Rs509.226 million at the end of 2024 to Rs711.071 million at the end of 2025.
Total shareholders’ equity reached Rs884.845 million, compared with Rs729.406 million a year earlier.
The statement also records the issuance of 101.845 million ordinary shares at par, along with 100 million rights shares at par during 2025.
Cash position improves
The company ended 2025 with cash and bank balances of approximately Rs283.271 million in the Shareholders’ Fund, compared with Rs184.838 million at the end of 2024.
The Shareholders’ Fund generated net cash flow of Rs98.433 million during the year. Meanwhile, the Participants’ Takaful Fund reported net cash outflows of approximately Rs31.988 million.
Dividend and book closure
Alongside the financial results, Pak-Qatar General Takaful recommended a final cash dividend of Rs1 per share, or 10%, for the year ended December 31, 2025.
The company stated that its share transfer books would remain closed from April 23 to April 30, 2026, both days inclusive. Shareholders seeking entitlement to the dividend were required to have their names entered in the company’s share register by the close of business on April 22, 2026.
Overall financial picture
Pak-Qatar General Takaful’s 2025 results show a modest increase in shareholder profit, accompanied by stronger shareholders’ equity and an improved cash position. At the same time, the surplus generated by the Participants’ Takaful Fund declined from the previous year.
The company’s financial statements provide a detailed picture of its Shareholders’ Fund and Participants’ Takaful Fund, including their respective assets, liabilities, investment income, underwriting results and cash flows.
