Amana Takaful PLC

ATL.N0000Moderately overvalued

Insurance · Multi-Line Insurance

Amana Takaful PLC is a Sri Lanka-based Shariah-compliant takaful insurer offering protection and savings solutions across both family (life) and general takaful businesses.

ATL shares are up 2.5% over the past year and last closed at Rs 22.30 on Sep 30, 2026.

Rs 22.30
-0.89%
Price history
+2.47%

Monthly seasonality

Monthly total returns by year and calendar month
YearJanFebMarAprMayJunJulAugSepOctNovDec
2026+4.0-7.3-15.0+13.0-0.4-2.2-4.1-2.4+7.8+0.0+0.0+0.0
2025+6.7-0.7-3.5-8.8+12.0-0.7+10.8+53.9-5.5+29.5-3.4-11.1
2024+0.0-3.4+1.7-0.9-1.7+0.9-4.3-0.9+0.9-0.9+11.0+10.7
2023-4.8+1.7+0.0-6.7-3.6+1.9+7.3+4.2-2.4+0.0+0.0-0.8
2022+21.9-11.5-27.5-16.0+19.0-14.0+4.7+5.6+27.4-13.2+11.4+6.0
2021-10.0-21.2-10.3+12.9-5.1+18.7-3.4+1.2+8.0+18.1+8.1+6.7
2020-5.8-6.1-4.3+0.0+0.0+26.1+5.2+4.9+56.3-13.0-4.6+32.5
2019-10.1+0.0+1.6-7.9-6.9-3.7+5.8-1.8-1.9-1.9+7.7-7.1
2018-12.5+14.3+0.0+12.5+0.0-11.1+12.5-11.1-15.0-1.5+1.5+1.5
2017-22.2+0.0+14.3+0.0+25.0-10.0-11.1+12.5+0.0+0.0-11.1+0.0
2016-13.3-7.7-8.3+9.1-8.3+14.8-25.0-11.1+25.0-10.0-11.1+12.5
2015-27.8+23.1+0.0-12.5+0.0+0.0+0.0-7.1+7.7+0.0-7.1+15.4
2014-6.2-6.7+0.0+7.1+6.7+12.5-5.6+5.9+5.6-5.3+0.0+25.0
2013-5.6-17.6+21.4-5.9+0.0-6.2+0.0-6.7+14.3+0.0-12.5+14.3
2012+0.0+0.0+0.0+5.3-20.0+0.0+0.0+6.3+0.0-5.9+0.0+12.5
Average-6.1-3.1-2.1+0.1+1.2+1.8-0.5+3.6+8.5-0.3-0.7+8.4
ASPI average+3.1-2.7-4.7+2.0+0.2+0.8+3.1+2.2+3.2-0.1+1.0+3.0
Median-6.0-4.7+0.0-0.4-0.2+0.0+0.0+1.2+5.6-1.2+0.0+8.7
% up21%21%29%43%29%40%40%53%60%14%36%71%
P/E
19.5
P/B
0.99
EPS
Rs 1.15
Div Yield
0.00%
Market Cap
Rs 6.7B
Beta
1.95
ROE
7.2%
Op Margin
57.7% (+39.8pp)

Fundamentals

LineFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018
Total income
Rs 11.1B
+0.7%
Rs 11.0B
+24.0%
Rs 8.9B
+28.2%
Rs 6.9B
+62.6%
Rs 4.3B
+21.3%
Rs 3.5B
-9.0%
Rs 3.9B
+4.3%
Rs 3.7B
+19.1%
Operating profit
Rs 1.0B
-18.7%
Rs 1.2B
+354.3%
Rs 273.5M
-56.5%
Rs 628.6M
+73.6%
Rs 362.2M
+20.4%
Rs 301.0M
Rs -119.0M
Rs 168.3M
-16.6%
Net profit
Rs 773.4M
-19.0%
Rs 954.6M
+530.3%
Rs 151.4M
-68.9%
Rs 487.6M
+76.6%
Rs 276.2M
+24.2%
Rs 222.4M
turned profitable
Rs -277.2M
fell into loss
Rs 104.2M
-32.8%
EPS
1.46
-38.1%
2.36
-0.05
1.66
+82.4%
0.91
+35.8%
0.67
-1.87
0.33
+230.0%

Compared with the same period a year earlier.

Per-share figures are as reported, not adjusted for splits.

Recent dividends

No dividend records.

Peer comparison3 peers in Insurance
Rs 7.00
P/E
-
P/B
1.22
ROE
-1.29%
Yield
0.00%
ATL.N0000 · this company
Rs 22.30
P/E
19.5
P/B
0.99
ROE
7.20%
Yield
0.00%
Rs 27.50
P/E
11.4
P/B
0.88
ROE
7.76%
Yield
0.00%
P/E
18.8
P/B
0.81
ROE
4.38%
Yield
0.00%
Peer median · 3 companies
P/E -P/B 0.88Yield 0.00%

About Amana Takaful PLC

Amana Takaful PLC is a Sri Lanka-based Shariah-compliant takaful insurer offering protection and savings solutions across both family (life) and general takaful businesses. The family takaful (life) segment provides life protection and savings products, including unit-linked offerings, while the general takaful (general insurance) segment underwrites motor and other non-life risks and manages claims and reinsurance arrangements. The Group distributes its products through a nationwide branch network, agency and bancassurance partnerships and digital channels, serving customers across Sri Lanka including underserved regions such as the Northern and Eastern provinces.

AI analysis

neutral

ATL remains profitable, but latest quarterly net profit fell 34.7% year-on-year despite June producing its best operating margin in seven comparable quarters.

Read the full report (Aug 16, 2026) →

News sentiment

Describes news flow, not a forecast
Last 30 days
Not enough news to read

No scored news in the last 30 days.

24 months positive negative 3-month net
Feb 25: 1 articles, net -1.00Dec 25: 4 articles, net -0.25Jun 26: 2 articles, net +1.00Aug 24Dec 24Apr 25Aug 25Dec 25Apr 26
Recent news
View all news →
Daily FT·Aug 4, 2026·Award or certificationPositive
Amana Takaful crowns 'League of Champions' at Annual Awards 2025

Amana Takaful held its Annual Awards 2025 on 24 June 2026 at Shangri-La Colombo, presenting over 250 awards across Amana General Insurance and Amana Life Insurance. Afzal Ibrahim was named Champion of Champions for Amana General; Somasuntharam Surenther won Champion of Champions for Amana Life.

Daily FT·May 22, 2026·Management or board change
Hassan Kassim joins Ex-Pack Board

Ex-Pack Corrugated Cartons PLC appointed Hassan Kassim to its board as a Non-Executive, Non-Independent Director. Kassim is Deputy Chairman and Group Director of Aberdeen Holdings and serves as Managing Director of Amana Takaful PLC, bringing cross-sector leadership experience.

Daily FT·Apr 29, 2026·Award or certificationPositive
Amana Takaful named Sri Lanka’s Most Awarded Insurance Company for 3rd Consecutive Year

Amana Takaful PLC and Amana Takaful Life PLC were named Sri Lanka’s Most Awarded Insurance Company for 2026 by LMD Magazine, marking a third consecutive year of the recognition. The awards notably cited digital excellence and the group's investments in digital capabilities, process improvements and customer-focused solutions.

IT & Digital
Daily FT·Apr 3, 2026·Market commentaryNegative
CSE ends on the up, down 1.2% during week

ASPI fell 1.2% (258.31 pts) for the week and the S&P SL20 dropped 2% (124.30 pts); market turnover was about Rs.1.77bn with net foreign outflows of Rs.68.2m, while breadth was positive and activity was led by capital goods, banks, materials and food & beverage names.

Insurance sector: what is happening

Last 14 days to Sep 30, 2026

The insurance sector was quiet, with no sector-specific developments in the window. Movements in government securities yields, including rising Treasury bill yields and later easing across parts of the secondary market, affect insurers through the valuation and reinvestment returns of their investment portfolios. The rupee moved from near 331.50/331.90 to around 330 per US dollar, affecting foreign-currency reinsurance and claims costs.

Auto-generated from 5 sector news articles over 14 days. Not investment advice.