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 5.31 billion. The enterprise value is 5.58 billion.

Market Cap	5.31B
Enterprise Value	5.58B

Important Dates

The next estimated earnings date is Wednesday, May 13, 2026.

Earnings Date	May 13, 2026
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 (%)	9.69%
Owned by Institutions (%)	2.71%
Float	25.51M

Valuation Ratios

The trailing PE ratio is 14.96.

PE Ratio	14.96
Forward PE	n/a
PS Ratio	0.91
PB Ratio	0.89
P/TBV Ratio	0.89
P/FCF Ratio	3.90
P/OCF Ratio	3.70
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 8.31, with an EV/FCF ratio of 4.09.

EV / Earnings	15.70
EV / Sales	0.95
EV / EBITDA	8.31
EV / EBIT	10.37
EV / FCF	4.09

Financial Position

The company has a current ratio of 0.61, with a Debt / Equity ratio of 0.06.

Current Ratio	0.61
Quick Ratio	0.40
Debt / Equity	0.06
Debt / EBITDA	0.51
Debt / FCF	0.25
Interest Coverage	10.17

Financial Efficiency

Return on equity (ROE) is 6.12% and return on invested capital (ROIC) is 6.37%.

Return on Equity (ROE)	6.12%
Return on Assets (ROA)	2.37%
Return on Invested Capital (ROIC)	6.37%
Return on Capital Employed (ROCE)	8.69%
Weighted Average Cost of Capital (WACC)	6.84%
Revenue Per Employee	9.07M
Profits Per Employee	549,070
Employee Count	647
Asset Turnover	0.41
Inventory Turnover	234.85

Taxes

In the past 12 months, COSE:PINS.N0000 has paid 117.47 million in taxes.

Income Tax	117.47M
Effective Tax Rate	24.85%

Stock Price Statistics

The stock price has decreased by -8.42% in the last 52 weeks. The beta is 0.42, so COSE:PINS.N0000's price volatility has been lower than the market average.

Beta (5Y)	0.42
52-Week Price Change	-8.42%
50-Day Moving Average	29.77
200-Day Moving Average	34.67
Relative Strength Index (RSI)	38.59
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 5.87 billion and earned 355.25 million in profits. Earnings per share was 1.74.

Revenue	5.87B
Gross Profit	1.80B
Operating Income	537.74M
Pretax Income	472.72M
Net Income	355.25M
EBITDA	583.88M
EBIT	537.74M
Earnings Per Share (EPS)	1.74

Balance Sheet

The company has 2.04 billion in cash and 342.92 million in debt, with a net cash position of -260.89 million or -1.28 per share.

Cash & Cash Equivalents	2.04B
Total Debt	342.92M
Net Cash	-260.89M
Net Cash Per Share	-1.28
Equity (Book Value)	5.97B
Book Value Per Share	29.32
Working Capital	-3.65B

Cash Flow

In the last 12 months, operating cash flow was 1.44 billion and capital expenditures -74.46 million, giving a free cash flow of 1.36 billion.

Operating Cash Flow	1.44B
Capital Expenditures	-74.46M
Depreciation & Amortization	n/a
Net Borrowing	-87.64M
Free Cash Flow	1.36B
FCF Per Share	6.69

Margins

Gross margin is 30.72%, with operating and profit margins of 9.16% and 6.05%.

Gross Margin	30.72%
Operating Margin	9.16%
Pretax Margin	8.05%
Profit Margin	6.05%
EBITDA Margin	9.95%
EBIT Margin	9.16%
FCF Margin	23.20%

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	6.68%
FCF Yield	25.63%

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