Adamjee Insurance Company Limited (PSX:AICL)

Adamjee Insurance Company Statistics

Total Valuation

PSX:AICL has a market cap or net worth of PKR 31.49 billion. The enterprise value is 20.54 billion.

Market Cap	31.49B
Enterprise Value	20.54B

Important Dates

The last earnings date was Tuesday, January 27, 2026.

Earnings Date	Jan 27, 2026
Ex-Dividend Date	Apr 20, 2026

Share Statistics

PSX:AICL has 350.00 million shares outstanding.

Current Share Class	350.00M
Shares Outstanding	350.00M
Shares Change (YoY)	n/a
Shares Change (QoQ)	n/a
Owned by Insiders (%)	0.04%
Owned by Institutions (%)	25.33%
Float	208.22M

Valuation Ratios

The trailing PE ratio is 5.65.

PE Ratio	5.65
Forward PE	n/a
PS Ratio	0.31
PB Ratio	0.61
P/TBV Ratio	0.62
P/FCF Ratio	4.64
P/OCF Ratio	4.15
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 2.06, with an EV/FCF ratio of 3.03.

EV / Earnings	3.68
EV / Sales	0.20
EV / EBITDA	2.06
EV / EBIT	2.16
EV / FCF	3.03

Financial Position

The company has a current ratio of 0.60, with a Debt / Equity ratio of 0.01.

Current Ratio	0.60
Quick Ratio	0.29
Debt / Equity	0.01
Debt / EBITDA	0.04
Debt / FCF	0.05
Interest Coverage	666.81

Financial Efficiency

Return on equity (ROE) is 12.21% and return on invested capital (ROIC) is 11.64%.

Return on Equity (ROE)	12.21%
Return on Assets (ROA)	2.44%
Return on Invested Capital (ROIC)	11.64%
Return on Capital Employed (ROCE)	4.87%
Weighted Average Cost of Capital (WACC)	7.21%
Revenue Per Employee	37.46M
Profits Per Employee	2.03M
Employee Count	2,740
Asset Turnover	0.42
Inventory Turnover	n/a

Taxes

In the past 12 months, PSX:AICL has paid 4.05 billion in taxes.

Income Tax	4.05B
Effective Tax Rate	41.28%

Stock Price Statistics

The stock price has increased by +72.99% in the last 52 weeks. The beta is 0.55, so PSX:AICL's price volatility has been lower than the market average.

Beta (5Y)	0.55
52-Week Price Change	+72.99%
50-Day Moving Average	97.21
200-Day Moving Average	75.10
Relative Strength Index (RSI)	33.88
Average Volume (20 Days)	589,903

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, PSX:AICL had revenue of PKR 102.64 billion and earned 5.57 billion in profits. Earnings per share was 15.93.

Revenue	102.64B
Gross Profit	17.47B
Operating Income	9.50B
Pretax Income	9.82B
Net Income	5.57B
EBITDA	9.95B
EBIT	9.50B
Earnings Per Share (EPS)	15.93

Balance Sheet

The company has 12.30 billion in cash and 355.34 million in debt, with a net cash position of 11.95 billion or 34.13 per share.

Cash & Cash Equivalents	12.30B
Total Debt	355.34M
Net Cash	11.95B
Net Cash Per Share	34.13
Equity (Book Value)	51.85B
Book Value Per Share	145.41
Working Capital	-27.58B

Cash Flow

In the last 12 months, operating cash flow was 7.58 billion and capital expenditures -790.98 million, giving a free cash flow of 6.79 billion.

Operating Cash Flow	7.58B
Capital Expenditures	-790.98M
Free Cash Flow	6.79B
FCF Per Share	19.40

Margins

Gross margin is 17.02%, with operating and profit margins of 9.25% and 5.43%.

Gross Margin	17.02%
Operating Margin	9.25%
Pretax Margin	9.56%
Profit Margin	5.43%
EBITDA Margin	9.70%
EBIT Margin	9.25%
FCF Margin	6.61%

Dividends & Yields

This stock pays an annual dividend of 4.00, which amounts to a dividend yield of 4.45%.

Dividend Per Share	4.00
Dividend Yield	4.45%
Dividend Growth (YoY)	33.33%
Years of Dividend Growth	1
Payout Ratio	22.90%
Buyback Yield	n/a
Shareholder Yield	4.45%
Earnings Yield	17.70%
FCF Yield	21.56%

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 December 11, 2013. It was a forward split with a ratio of 2.8293345405.

Last Split Date	Dec 11, 2013
Split Type	Forward
Split Ratio	2.8293345405

Scores

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