Pioneer Insurance Company Limited (DSE:PIONEERINS)

Pioneer Insurance Company Statistics

Total Valuation

DSE:PIONEERINS has a market cap or net worth of BDT 4.08 billion. The enterprise value is 2.74 billion.

Market Cap	4.08B
Enterprise Value	2.74B

Important Dates

The last earnings date was Wednesday, July 30, 2025.

Earnings Date	Jul 30, 2025
Ex-Dividend Date	Apr 8, 2025

Share Statistics

DSE:PIONEERINS has 97.80 million shares outstanding. The number of shares has decreased by -0.04% in one year.

Current Share Class	97.80M
Shares Outstanding	97.80M
Shares Change (YoY)	-0.04%
Shares Change (QoQ)	-0.32%
Owned by Insiders (%)	23.37%
Owned by Institutions (%)	3.33%
Float	45.28M

Valuation Ratios

The trailing PE ratio is 9.43.

PE Ratio	9.43
Forward PE	n/a
PS Ratio	2.00
PB Ratio	0.95
P/TBV Ratio	0.95
P/FCF Ratio	11.58
P/OCF Ratio	11.24
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 4.48, with an EV/FCF ratio of 7.78.

EV / Earnings	6.33
EV / Sales	1.34
EV / EBITDA	4.48
EV / EBIT	4.66
EV / FCF	7.78

Financial Position

The company has a current ratio of 3.13

Current Ratio	3.13
Quick Ratio	3.13
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 9.99% and return on invested capital (ROIC) is 8.48%.

Return on Equity (ROE)	9.99%
Return on Assets (ROA)	6.11%
Return on Invested Capital (ROIC)	8.48%
Return on Capital Employed (ROCE)	13.66%
Revenue Per Employee	4.40M
Profits Per Employee	932,239
Employee Count	464
Asset Turnover	0.34
Inventory Turnover	n/a

Taxes

In the past 12 months, DSE:PIONEERINS has paid 152.74 million in taxes.

Income Tax	152.74M
Effective Tax Rate	26.10%

Stock Price Statistics

The stock price has decreased by -25.13% in the last 52 weeks. The beta is 0.32, so DSE:PIONEERINS's price volatility has been lower than the market average.

Beta (5Y)	0.32
52-Week Price Change	-25.13%
50-Day Moving Average	39.41
200-Day Moving Average	43.75
Relative Strength Index (RSI)	49.13
Average Volume (20 Days)	252,395

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 2.04 billion and earned 432.56 million in profits. Earnings per share was 4.42.

Revenue	2.04B
Gross Profit	1.27B
Operating Income	587.68M
Pretax Income	585.30M
Net Income	432.56M
EBITDA	611.54M
EBIT	587.68M
Earnings Per Share (EPS)	4.42

Balance Sheet

The company has 2.63 billion in cash and n/a in debt, giving a net cash position of 1.34 billion or 13.71 per share.

Cash & Cash Equivalents	2.63B
Total Debt	n/a
Net Cash	1.34B
Net Cash Per Share	13.71
Equity (Book Value)	4.30B
Book Value Per Share	44.00
Working Capital	3.83B

Cash Flow

In the last 12 months, operating cash flow was 362.94 million and capital expenditures -10.90 million, giving a free cash flow of 352.04 million.

Operating Cash Flow	362.94M
Capital Expenditures	-10.90M
Free Cash Flow	352.04M
FCF Per Share	3.60

Margins

Gross margin is 62.42%, with operating and profit margins of 28.79% and 21.19%.

Gross Margin	62.42%
Operating Margin	28.79%
Pretax Margin	28.67%
Profit Margin	21.19%
EBITDA Margin	29.95%
EBIT Margin	28.79%
FCF Margin	17.24%

Dividends & Yields

This stock pays an annual dividend of 2.50, which amounts to a dividend yield of 6.00%.

Dividend Per Share	2.50
Dividend Yield	6.00%
Dividend Growth (YoY)	25.00%
Years of Dividend Growth	n/a
Payout Ratio	97.63%
Buyback Yield	0.04%
Shareholder Yield	6.02%
Earnings Yield	10.61%
FCF Yield	8.63%

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 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	4