Pioneer Insurance PLC (DSE:PIONEERINS)

Pioneer Insurance Statistics

Total Valuation

DSE:PIONEERINS has a market cap or net worth of BDT 4.63 billion. The enterprise value is 3.28 billion.

Market Cap	4.63B
Enterprise Value	3.28B

Important Dates

The next estimated earnings date is Monday, March 16, 2026.

Earnings Date	Mar 16, 2026
Ex-Dividend Date	Apr 8, 2025

Share Statistics

DSE:PIONEERINS has 97.80 million shares outstanding. The number of shares has increased by 0.00% in one year.

Current Share Class	97.80M
Shares Outstanding	97.80M
Shares Change (YoY)	+0.00%
Shares Change (QoQ)	+0.28%
Owned by Insiders (%)	23.37%
Owned by Institutions (%)	3.33%
Float	45.28M

Valuation Ratios

The trailing PE ratio is 10.65.

PE Ratio	10.65
Forward PE	n/a
PS Ratio	2.23
PB Ratio	1.01
P/TBV Ratio	1.01
P/FCF Ratio	12.04
P/OCF Ratio	11.61
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 5.37, with an EV/FCF ratio of 8.53.

EV / Earnings	7.54
EV / Sales	1.58
EV / EBITDA	5.37
EV / EBIT	5.58
EV / FCF	8.53

Financial Position

The company has a current ratio of 3.43

Current Ratio	3.43
Quick Ratio	3.43
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 9.77% and return on invested capital (ROIC) is 8.26%.

Return on Equity (ROE)	9.77%
Return on Assets (ROA)	6.12%
Return on Invested Capital (ROIC)	8.26%
Return on Capital Employed (ROCE)	12.85%
Revenue Per Employee	4.47M
Profits Per Employee	936,357
Employee Count	425
Asset Turnover	0.35
Inventory Turnover	n/a

Taxes

In the past 12 months, DSE:PIONEERINS has paid 150.38 million in taxes.

Income Tax	150.38M
Effective Tax Rate	25.71%

Stock Price Statistics

The stock price has decreased by -1.46% in the last 52 weeks. The beta is 0.38, so DSE:PIONEERINS's price volatility has been lower than the market average.

Beta (5Y)	0.38
52-Week Price Change	-1.46%
50-Day Moving Average	47.14
200-Day Moving Average	43.58
Relative Strength Index (RSI)	50.74
Average Volume (20 Days)	118,059

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:PIONEERINS had revenue of BDT 2.07 billion and earned 434.47 million in profits. Earnings per share was 4.44.

Revenue	2.07B
Gross Profit	1.27B
Operating Income	587.22M
Pretax Income	584.85M
Net Income	434.47M
EBITDA	610.78M
EBIT	587.22M
Earnings Per Share (EPS)	4.44

Balance Sheet

The company has 2.76 billion in cash and n/a in debt, giving a net cash position of 1.35 billion or 13.79 per share.

Cash & Cash Equivalents	2.76B
Total Debt	n/a
Net Cash	1.35B
Net Cash Per Share	13.79
Equity (Book Value)	4.57B
Book Value Per Share	46.71
Working Capital	4.09B

Cash Flow

In the last 12 months, operating cash flow was 398.42 million and capital expenditures -14.27 million, giving a free cash flow of 384.15 million.

Operating Cash Flow	398.42M
Capital Expenditures	-14.27M
Free Cash Flow	384.15M
FCF Per Share	3.93

Margins

Gross margin is 61.45%, with operating and profit margins of 28.34% and 20.97%.

Gross Margin	61.45%
Operating Margin	28.34%
Pretax Margin	28.22%
Profit Margin	20.97%
EBITDA Margin	29.47%
EBIT Margin	28.34%
FCF Margin	18.54%

Dividends & Yields

This stock pays an annual dividend of 2.50, which amounts to a dividend yield of 5.29%.

Dividend Per Share	2.50
Dividend Yield	5.29%
Dividend Growth (YoY)	25.00%
Years of Dividend Growth	n/a
Payout Ratio	56.28%
Buyback Yield	-0.00%
Shareholder Yield	5.28%
Earnings Yield	9.39%
FCF Yield	8.30%

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 26, 2024. It was a forward split with a ratio of 1.1.

Last Split Date	May 26, 2024
Split Type	Forward
Split Ratio	1.1

Scores

Altman Z-Score	n/a
Piotroski F-Score	3