Adamjee Insurance Company Limited (PSX:AICL)

Adamjee Insurance Company Statistics

Total Valuation

PSX:AICL has a market cap or net worth of PKR 27.67 billion. The enterprise value is 17.00 billion.

Market Cap	27.67B
Enterprise Value	17.00B

Important Dates

The next estimated earnings date is Tuesday, January 27, 2026.

Earnings Date	Jan 27, 2026
Ex-Dividend Date	Sep 8, 2025

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 (%)	26.24%
Float	208.22M

Valuation Ratios

The trailing PE ratio is 4.85.

PE Ratio	4.85
Forward PE	n/a
PS Ratio	0.26
PB Ratio	0.56
P/TBV Ratio	0.57
P/FCF Ratio	2.53
P/OCF Ratio	2.39
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 1.69, with an EV/FCF ratio of 1.55.

EV / Earnings	2.98
EV / Sales	0.16
EV / EBITDA	1.69
EV / EBIT	1.77
EV / FCF	1.55

Financial Position

The company has a current ratio of 2.50, with a Debt / Equity ratio of 0.01.

Current Ratio	2.50
Quick Ratio	2.09
Debt / Equity	0.01
Debt / EBITDA	0.04
Debt / FCF	0.03
Interest Coverage	370.71

Financial Efficiency

Return on equity (ROE) is 13.44% and return on invested capital (ROIC) is 13.72%.

Return on Equity (ROE)	13.44%
Return on Assets (ROA)	2.58%
Return on Invested Capital (ROIC)	13.72%
Return on Capital Employed (ROCE)	5.26%
Revenue Per Employee	38.34M
Profits Per Employee	2.08M
Employee Count	2,740
Asset Turnover	0.45
Inventory Turnover	n/a

Taxes

In the past 12 months, PSX:AICL has paid 4.16 billion in taxes.

Income Tax	4.16B
Effective Tax Rate	41.50%

Stock Price Statistics

The stock price has increased by +92.81% in the last 52 weeks. The beta is 0.38, so PSX:AICL's price volatility has been lower than the market average.

Beta (5Y)	0.38
52-Week Price Change	+92.81%
50-Day Moving Average	79.23
200-Day Moving Average	61.24
Relative Strength Index (RSI)	52.92
Average Volume (20 Days)	157,913

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 105.04 billion and earned 5.71 billion in profits. Earnings per share was 16.30.

Revenue	105.04B
Gross Profit	18.14B
Operating Income	9.62B
Pretax Income	10.03B
Net Income	5.71B
EBITDA	10.02B
EBIT	9.62B
Earnings Per Share (EPS)	16.30

Balance Sheet

The company has 147.41 billion in cash and 361.03 million in debt, giving a net cash position of 11.65 billion or 33.29 per share.

Cash & Cash Equivalents	147.41B
Total Debt	361.03M
Net Cash	11.65B
Net Cash Per Share	33.29
Equity (Book Value)	49.50B
Book Value Per Share	138.62
Working Capital	112.52B

Cash Flow

In the last 12 months, operating cash flow was 11.59 billion and capital expenditures -651.07 million, giving a free cash flow of 10.93 billion.

Operating Cash Flow	11.59B
Capital Expenditures	-651.07M
Free Cash Flow	10.93B
FCF Per Share	31.24

Margins

Gross margin is 17.27%, with operating and profit margins of 9.16% and 5.43%.

Gross Margin	17.27%
Operating Margin	9.16%
Pretax Margin	9.55%
Profit Margin	5.43%
EBITDA Margin	9.54%
EBIT Margin	9.16%
FCF Margin	10.41%

Dividends & Yields

This stock pays an annual dividend of 4.00, which amounts to a dividend yield of 5.06%.

Dividend Per Share	4.00
Dividend Yield	5.06%
Dividend Growth (YoY)	16.67%
Years of Dividend Growth	n/a
Payout Ratio	21.47%
Buyback Yield	n/a
Shareholder Yield	5.06%
Earnings Yield	20.62%
FCF Yield	39.52%

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	6