Adamjee Insurance Company Limited (PSX:AICL)

Adamjee Insurance Company Statistics

Total Valuation

PSX:AICL has a market cap or net worth of PKR 29.92 billion. The enterprise value is 20.39 billion.

Market Cap	29.92B
Enterprise Value	20.39B

Important Dates

The next estimated earnings date is Friday, October 24, 2025.

Earnings Date	Oct 24, 2025
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 5.63.

PE Ratio	5.63
Forward PE	n/a
PS Ratio	0.31
PB Ratio	0.64
P/TBV Ratio	0.66
P/FCF Ratio	3.22
P/OCF Ratio	3.06
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 2.13, with an EV/FCF ratio of 2.20.

EV / Earnings	3.84
EV / Sales	0.21
EV / EBITDA	2.13
EV / EBIT	2.23
EV / FCF	2.20

Financial Position

The company has a current ratio of 2.57, with a Debt / Equity ratio of 0.01.

Current Ratio	2.57
Quick Ratio	2.16
Debt / Equity	0.01
Debt / EBITDA	0.04
Debt / FCF	0.04
Interest Coverage	373.99

Financial Efficiency

Return on equity (ROE) is 13.17% and return on invested capital (ROIC) is 13.70%.

Return on Equity (ROE)	13.17%
Return on Assets (ROA)	2.67%
Return on Invested Capital (ROIC)	13.70%
Return on Capital Employed (ROCE)	5.33%
Revenue Per Employee	35.75M
Profits Per Employee	1.94M
Employee Count	2,740
Asset Turnover	0.46
Inventory Turnover	n/a

Taxes

In the past 12 months, PSX:AICL has paid 4.09 billion in taxes.

Income Tax	4.09B
Effective Tax Rate	42.78%

Stock Price Statistics

The stock price has increased by +149.64% in the last 52 weeks. The beta is 0.29, so PSX:AICL's price volatility has been lower than the market average.

Beta (5Y)	0.29
52-Week Price Change	+149.64%
50-Day Moving Average	75.24
200-Day Moving Average	57.37
Relative Strength Index (RSI)	63.22
Average Volume (20 Days)	943,541

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 97.95 billion and earned 5.32 billion in profits. Earnings per share was 15.19.

Revenue	97.95B
Gross Profit	17.26B
Operating Income	9.14B
Pretax Income	9.55B
Net Income	5.32B
EBITDA	9.50B
EBIT	9.14B
Earnings Per Share (EPS)	15.19

Balance Sheet

The company has 135.09 billion in cash and 394.36 million in debt, giving a net cash position of 10.50 billion or 29.99 per share.

Cash & Cash Equivalents	135.09B
Total Debt	394.36M
Net Cash	10.50B
Net Cash Per Share	29.99
Equity (Book Value)	46.50B
Book Value Per Share	130.09
Working Capital	104.89B

Cash Flow

In the last 12 months, operating cash flow was 9.79 billion and capital expenditures -510.64 million, giving a free cash flow of 9.28 billion.

Operating Cash Flow	9.79B
Capital Expenditures	-510.64M
Free Cash Flow	9.28B
FCF Per Share	26.51

Margins

Gross margin is 17.62%, with operating and profit margins of 9.33% and 5.43%.

Gross Margin	17.62%
Operating Margin	9.33%
Pretax Margin	9.75%
Profit Margin	5.43%
EBITDA Margin	9.70%
EBIT Margin	9.33%
FCF Margin	9.47%

Dividends & Yields

This stock pays an annual dividend of 4.00, which amounts to a dividend yield of 4.66%.

Dividend Per Share	4.00
Dividend Yield	4.66%
Dividend Growth (YoY)	16.67%
Years of Dividend Growth	n/a
Payout Ratio	28.90%
Buyback Yield	n/a
Shareholder Yield	4.65%
Earnings Yield	17.77%
FCF Yield	31.02%

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