Islami Commercial Insurance PLC. (DSE:ICICL)

Total Valuation

DSE:ICICL has a market cap or net worth of BDT 1.21 billion. The enterprise value is 749.99 million.

Market Cap	1.21B
Enterprise Value	749.99M

Important Dates

The last earnings date was Wednesday, August 13, 2025.

Earnings Date	Aug 13, 2025
Ex-Dividend Date	Jun 19, 2025

Share Statistics

DSE:ICICL has 50.65 million shares outstanding. The number of shares has decreased by -0.44% in one year.

Current Share Class	50.65M
Shares Outstanding	50.65M
Shares Change (YoY)	-0.44%
Shares Change (QoQ)	+3.01%
Owned by Insiders (%)	60.23%
Owned by Institutions (%)	n/a
Float	20.15M

Valuation Ratios

The trailing PE ratio is 23.66.

PE Ratio	23.66
Forward PE	n/a
PS Ratio	2.34
PB Ratio	1.36
P/TBV Ratio	1.36
P/FCF Ratio	51.55
P/OCF Ratio	38.14
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 7.57, with an EV/FCF ratio of 31.93.

EV / Earnings	14.66
EV / Sales	1.45
EV / EBITDA	7.57
EV / EBIT	8.20
EV / FCF	31.93

Financial Position

The company has a current ratio of 2.43

Current Ratio	2.43
Quick Ratio	1.08
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 5.97% and return on invested capital (ROIC) is 6.42%.

Return on Equity (ROE)	5.97%
Return on Assets (ROA)	3.79%
Return on Invested Capital (ROIC)	6.42%
Return on Capital Employed (ROCE)	8.31%
Revenue Per Employee	969,706
Profits Per Employee	95,831
Employee Count	534
Asset Turnover	0.34
Inventory Turnover	91.00

Taxes

In the past 12 months, DSE:ICICL has paid 25.42 million in taxes.

Income Tax	25.42M
Effective Tax Rate	32.35%

Stock Price Statistics

The stock price has decreased by -9.34% in the last 52 weeks. The beta is 0.66, so DSE:ICICL's price volatility has been lower than the market average.

Beta (5Y)	0.66
52-Week Price Change	-9.34%
50-Day Moving Average	21.65
200-Day Moving Average	21.53
Relative Strength Index (RSI)	68.83
Average Volume (20 Days)	332,538

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, DSE:ICICL had revenue of BDT 517.82 million and earned 51.17 million in profits. Earnings per share was 1.01.

Revenue	517.82M
Gross Profit	409.73M
Operating Income	91.47M
Pretax Income	78.59M
Net Income	51.17M
EBITDA	99.09M
EBIT	91.47M
Earnings Per Share (EPS)	1.01

Balance Sheet

The company has 460.61 million in cash and n/a in debt, giving a net cash position of 460.61 million or 9.09 per share.

Cash & Cash Equivalents	460.61M
Total Debt	n/a
Net Cash	460.61M
Net Cash Per Share	9.09
Equity (Book Value)	890.82M
Book Value Per Share	17.59
Working Capital	609.02M

Cash Flow

In the last 12 months, operating cash flow was 31.74 million and capital expenditures -8.26 million, giving a free cash flow of 23.49 million.

Operating Cash Flow	31.74M
Capital Expenditures	-8.26M
Free Cash Flow	23.49M
FCF Per Share	0.46

Margins

Gross margin is 79.13%, with operating and profit margins of 17.67% and 10.27%.

Gross Margin	79.13%
Operating Margin	17.67%
Pretax Margin	15.18%
Profit Margin	10.27%
EBITDA Margin	19.14%
EBIT Margin	17.67%
FCF Margin	4.54%

Dividends & Yields

This stock pays an annual dividend of 1.00, which amounts to a dividend yield of 4.18%.

Dividend Per Share	1.00
Dividend Yield	4.18%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	94.00%
Buyback Yield	0.44%
Shareholder Yield	4.63%
Earnings Yield	4.23%
FCF Yield	1.94%

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

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

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