LOLC General Insurance PLC

LGIL.N0000Overvalued

Insurance · Multi-Line Insurance

LOLC General Insurance PLC is a general insurer and a subsidiary of the LOLC Group, operating in Sri Lanka and listed on the Main Board of the Colombo Stock Exchange.

LGIL shares are down 20.5% over the past year and last closed at Rs 7.00 on Sep 30, 2026.

Rs 7.00
+2.94%
Price history
-20.45%

Monthly seasonality

Monthly total returns by year and calendar month
YearJanFebMarAprMayJunJulAugSepOctNovDec
2026+8.9+0.0-14.0+6.8+3.8-4.9-7.7+2.8-5.4+0.0+0.0+0.0
2025+37.1-12.5-8.3+1.3+16.7-6.6+7.1-1.1-2.2+11.4-10.2-10.2
2024-20.8+1.8+6.9+9.7-2.9-4.5-4.8-8.3+16.4-1.6-3.2+14.8
2023-11.4-1.4+1.4-7.1-23.1+24.0+12.9-7.1+1.5-12.1-1.7+26.3
2022+0.0-19.5-50.8-6.2+23.0-21.3+0.0+33.9+8.9-18.6+8.6+3.9
2021+0.0+0.0+0.0+0.0+0.0+0.0+0.0+0.0+0.0+0.0+0.0+0.0
Average+3.4-6.3-12.9+0.9+3.5-2.7+1.5+4.0+3.8-5.2-1.6+8.7
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-1.3-1.4-8.3+1.3+3.8-4.9+0.0-1.1+1.5-6.8-2.4+9.4
% up50%20%40%60%60%20%40%40%60%25%25%75%
P/E
-
P/B
1.22
EPS
Rs -0.07
Div Yield
0.00%
Market Cap
Rs 8.4B
Beta
1.02
ROE
-1.3%
Op Margin
-

Fundamentals

LineFY2025FY2024FY2023FY2022FY2021
Total income
Rs 10.5B
-5.5%
Rs 11.1B
+15.5%
Rs 9.6B
+18.6%
Rs 8.1B
+33.4%
Rs 6.1B
Operating profit
-
-
-
Rs 1.7B
+33.8%
Rs 1.3B
Net profit
Rs -86.1M
fell into loss
Rs 350.3M
-51.2%
Rs 717.2M
-48.8%
Rs 1.4B
+27.8%
Rs 1.1B
EPS
-0.07
0.29
-51.7%
0.60
-48.7%
1.17
+27.2%
0.92

Compared with the same period a year earlier.

Parent company only. Subsidiaries are not included.

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

Recent dividends

No dividend records.

Peer comparison3 peers in Insurance
LGIL.N0000 · this company
Rs 7.00
P/E
-
P/B
1.22
ROE
-1.29%
Yield
0.00%
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 18.8P/B 0.88Yield 0.00%

About LOLC General Insurance PLC

LOLC General Insurance PLC is a general insurer and a subsidiary of the LOLC Group, operating in Sri Lanka and listed on the Main Board of the Colombo Stock Exchange. The company provides a range of risk management and insurance solutions for both retail and corporate customers and operates both conventional and Takaful arms. Its product suite covers motor, fire and engineering, marine and miscellaneous classes, and it distributes these products through an island-wide branch network of over 80 branches as well as direct sales, brokers, corporate sales and bancassurance channels. The company partners with internationally rated reinsurers and is regulated by the Insurance Regulatory Commission of Sri Lanka under the Regulation of Insurance Industry Act. LOLC General Insurance emphasises customer-centricity, operational excellence and risk management and has received industry recognition at regional awards for customer orientation and risk management practices.

AI analysis

neutral

LOLC General Insurance has returned to a strong quarterly profit, but its valuation remains demanding. The share has underperformed the ASPI across every reported window.

Read the full report (Aug 13, 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
Dec 24: 1 articles, net +1.00Feb 25: 2 articles, net -0.29Jun 25: 1 articles, net +1.00Oct 25: 3 articles, net +0.33May 26: 2 articles, net -0.50Jun 26: 2 articles, net +1.00Aug 26: 1 articles, net -1.00Sep 24Jan 25May 25Sep 25Jan 26May 26
Recent news
View all news →
Daily FT·Aug 11, 2026·Regulatory or legalNegative
Beneficial ownership rules create uneven playing field

LOLC General Insurance chairman Kithsiri Gunawardena warned that Sri Lanka's beneficial ownership disclosure rules could disadvantage companies and delay incorporations because Company Secretaries may refuse to sign declarations they cannot verify. He urged changing the prescribed declaration by regulation to avoid exposing secretaries to long-term liability.

Daily FT·Jul 23, 2026·Award or certificationPositive
LOLC Insurance, Seylan Bank celebrate bancassurance excellence

LOLC General Insurance and Seylan Bank PLC held a 'League of Greatness' felicitation night celebrating their bancassurance partnership, which operates across 104 Seylan Bank branches and has continued since 2013.

Daily FT·Jul 15, 2026·Award or certification
Seminar on Beneficial Ownership Compliance under the Companies Act, No. 12 of 2025

Corporate Management Consultants will hold a seminar on compliance with Beneficial Ownership provisions under the Companies Act No. 12 of 2025 for Company Secretaries. Speakers include LOLC General Insurance PLC Chairman Kithsiri Gunawardene, the Central Bank FIU DG and officials from the Registrar of Companies.

Daily FT·Jul 14, 2026·Promotional / marketingPositive
LOLC General Insurance redefines motor insurance experience with V Help

LOLC General Insurance PLC launched V Help, an enhanced motor insurance service offering eligible policyholders remote technical guidance and roadside assistance. The service connects customers to the Motor Engineering Unit and authorised roadside providers for advice, minor repairs and assistance.

IT & Digital
Ada Derana·Jun 1, 2026·Earnings & resultsPositive
LOLC Group delivers strong operating growth as diversified platform gains further scale

LOLC Holdings PLC reported a 49% increase in results from operating activities to Rs.71.5 billion for FY2026. Gross income rose 28% to Rs.430.3 billion, with the financial services segment contributing Rs.51.7 billion and strong gains across manufacturing, plantations and insurance.

Tea & Plantation CropsExportersTourism
Daily FT·Jun 1, 2026·Earnings & resultsPositive
LOLC Group delivers strong operating growth as diversified platform gains further scale

LOLC Holdings PLC reported a 49% rise in results from operating activities to Rs. 71.5 billion for the year ended 31 March 2026, with gross income up 28% to Rs. 430.3 billion. Financial services (Rs. 51.7bn), stronger manufacturing/trading and a return to profitability in plantations underpinned the performance.

Tea & Plantation CropsExporters
Daily FT·Mar 25, 2026·Award or certificationPositive
LOLC wins People’s Financial Services Brand title at SLIM Kantar 2026 for 10th year

LOLC Holdings PLC was crowned 'People’s Financial Services Brand' at the SLIM Kantar People’s Choice Awards 2026 for the tenth consecutive year. The award, based on independent Kantar consumer research, underscores LOLC’s sustained brand trust, digital initiatives and group presence.

IT & Digital

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.