Adamjee Insurance Company Limited (PSX:AICL)

Adamjee Insurance Company Ratios and Metrics

Market cap in millions PKR. Fiscal year is January - December.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 18, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Capitalization	23,674	28,396	17,483	11,960	9,860	14,000
Market Cap Growth	38.81%	62.42%	46.18%	21.30%	-29.58%	1.73%
Enterprise Value	12,722	17,729	11,130	816	308	2,643
PE Ratio	4.25	5.09	3.64	4.55	4.21	4.76
PS Ratio	0.23	0.28	0.20	0.19	0.23	0.37
PB Ratio	0.46	0.55	0.41	0.38	0.39	0.55
P/FCF Ratio	3.49	4.18	2.01	-	2.60	1.81
P/OCF Ratio	3.12	3.75	1.93	-	2.46	1.74
EV/Sales Ratio	0.12	0.17	0.13	0.01	0.01	0.07
EV/EBITDA Ratio	1.28	1.78	1.31	0.16	0.10	0.68
EV/EBIT Ratio	1.34	1.87	1.36	0.18	0.11	0.73
EV/FCF Ratio	1.87	2.61	1.28	-	0.08	0.34
Debt / Equity Ratio	0.01	0.01	0.01	0.00	0.01	0.05
Debt / EBITDA Ratio	0.04	0.04	0.05	0.02	0.04	0.30
Debt / FCF Ratio	0.05	0.05	0.05	-	0.04	0.16
Net Debt / Equity Ratio	-0.23	-0.23	-0.24	-0.19	-0.41	-0.43
Net Debt / EBITDA Ratio	-1.20	-1.20	-1.19	-1.21	-3.50	-2.82
Net Debt / FCF Ratio	-1.76	-1.76	-1.16	1.58	-2.80	-1.42
Quick Ratio	0.29	0.29	2.05	1.68	1.68	2.08
Current Ratio	0.60	0.60	2.49	2.24	2.18	2.50
Asset Turnover	0.42	0.42	0.45	0.41	0.33	0.35
Return on Equity (ROE)	12.21%	12.21%	13.32%	9.47%	9.32%	12.20%
Return on Assets (ROA)	2.44%	2.44%	2.60%	1.87%	1.32%	2.06%
Return on Invested Capital (ROIC)	10.93%	11.71%	12.58%	8.81%	7.65%	9.96%
Earnings Yield	23.55%	19.63%	27.44%	21.96%	23.75%	21.03%
FCF Yield	28.68%	23.91%	49.88%	-31.79%	38.44%	55.12%
Dividend Yield	5.45%	4.93%	6.39%	10.15%	13.74%	10.64%
Payout Ratio	22.90%	22.90%	32.04%	49.01%	44.68%	32.87%
Buyback Yield / Dilution	0.02%	0.02%	-	-	-	-
Total Shareholder Return	5.47%	4.95%	6.39%	10.15%	13.74%	10.64%

Source: S&P Global Market Intelligence. Insurance template. Financial Sources.