People's Insurance PLC (COSE:PINS.N0000)

People's Insurance Statistics

Total Valuation

COSE:PINS.N0000 has a market cap or net worth of LKR 6.33 billion. The enterprise value is 6.56 billion.

Market Cap	6.33B
Enterprise Value	6.56B

Important Dates

The last earnings date was Thursday, November 13, 2025.

Earnings Date	Nov 13, 2025
Ex-Dividend Date	n/a

Share Statistics

COSE:PINS.N0000 has 203.63 million shares outstanding.

Current Share Class	203.63M
Shares Outstanding	203.63M
Shares Change (YoY)	n/a
Shares Change (QoQ)	n/a
Owned by Insiders (%)	10.62%
Owned by Institutions (%)	2.14%
Float	19.51M

Valuation Ratios

The trailing PE ratio is 17.83.

PE Ratio	17.83
Forward PE	n/a
PS Ratio	1.09
PB Ratio	1.07
P/TBV Ratio	1.07
P/FCF Ratio	5.46
P/OCF Ratio	4.93
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 8.65, with an EV/FCF ratio of 5.66.

EV / Earnings	18.48
EV / Sales	1.13
EV / EBITDA	8.65
EV / EBIT	10.48
EV / FCF	5.66

Financial Position

The company has a current ratio of 0.50, with a Debt / Equity ratio of 0.07.

Current Ratio	0.50
Quick Ratio	0.45
Debt / Equity	0.07
Debt / EBITDA	0.56
Debt / FCF	0.36
Interest Coverage	9.24

Financial Efficiency

Return on equity (ROE) is 6.14% and return on invested capital (ROIC) is 6.46%.

Return on Equity (ROE)	6.14%
Return on Assets (ROA)	2.94%
Return on Invested Capital (ROIC)	6.46%
Return on Capital Employed (ROCE)	8.25%
Revenue Per Employee	8.94M
Profits Per Employee	545,739
Employee Count	651
Asset Turnover	0.44
Inventory Turnover	n/a

Taxes

In the past 12 months, COSE:PINS.N0000 has paid 203.28 million in taxes.

Income Tax	203.28M
Effective Tax Rate	36.39%

Stock Price Statistics

The stock price has increased by +26.94% in the last 52 weeks. The beta is 0.54, so COSE:PINS.N0000's price volatility has been lower than the market average.

Beta (5Y)	0.54
52-Week Price Change	+26.94%
50-Day Moving Average	39.41
200-Day Moving Average	34.31
Relative Strength Index (RSI)	18.76
Average Volume (20 Days)	n/a

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, COSE:PINS.N0000 had revenue of LKR 5.82 billion and earned 355.28 million in profits. Earnings per share was 1.74.

Revenue	5.82B
Gross Profit	2.48B
Operating Income	626.38M
Pretax Income	558.56M
Net Income	355.28M
EBITDA	674.77M
EBIT	626.38M
Earnings Per Share (EPS)	1.74

Balance Sheet

The company has 1.01 billion in cash and 422.47 million in debt, giving a net cash position of -230.81 million or -1.13 per share.

Cash & Cash Equivalents	1.01B
Total Debt	422.47M
Net Cash	-230.81M
Net Cash Per Share	-1.13
Equity (Book Value)	5.94B
Book Value Per Share	29.19
Working Capital	-3.17B

Cash Flow

In the last 12 months, operating cash flow was 1.29 billion and capital expenditures -125.32 million, giving a free cash flow of 1.16 billion.

Operating Cash Flow	1.29B
Capital Expenditures	-125.32M
Free Cash Flow	1.16B
FCF Per Share	5.70

Margins

Gross margin is 42.68%, with operating and profit margins of 10.77% and 6.11%.

Gross Margin	42.68%
Operating Margin	10.77%
Pretax Margin	9.60%
Profit Margin	6.11%
EBITDA Margin	11.60%
EBIT Margin	10.77%
FCF Margin	19.95%

Dividends & Yields

COSE:PINS.N0000 does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	n/a
Shareholder Yield	n/a
Earnings Yield	5.61%
FCF Yield	18.32%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on May 29, 2024. It was a forward split with a ratio of 1.01816239.

Last Split Date	May 29, 2024
Split Type	Forward
Split Ratio	1.01816239

Scores

Altman Z-Score	n/a
Piotroski F-Score	5