Adamjee Life Assurance Company Limited (PSX:ALIFE)

PSX:ALIFE Statistics

Total Valuation

PSX:ALIFE has a market cap or net worth of PKR 9.07 billion. The enterprise value is 3.25 billion.

Market Cap	9.07B
Enterprise Value	3.25B

Important Dates

The last earnings date was Friday, August 22, 2025.

Earnings Date	Aug 22, 2025
Ex-Dividend Date	Sep 3, 2025

Share Statistics

PSX:ALIFE has 262.50 million shares outstanding.

Current Share Class	262.50M
Shares Outstanding	262.50M
Shares Change (YoY)	n/a
Shares Change (QoQ)	n/a
Owned by Insiders (%)	0.00%
Owned by Institutions (%)	1.62%
Float	26.25M

Valuation Ratios

The trailing PE ratio is 6.10.

PE Ratio	6.10
Forward PE	n/a
PS Ratio	0.15
PB Ratio	1.58
P/TBV Ratio	1.58
P/FCF Ratio	4.62
P/OCF Ratio	4.32
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 1.22, with an EV/FCF ratio of 1.66.

EV / Earnings	2.19
EV / Sales	0.06
EV / EBITDA	1.22
EV / EBIT	1.33
EV / FCF	1.66

Financial Position

The company has a current ratio of 16.54, with a Debt / Equity ratio of 0.11.

Current Ratio	16.54
Quick Ratio	16.12
Debt / Equity	0.11
Debt / EBITDA	0.24
Debt / FCF	0.32
Interest Coverage	69.90

Financial Efficiency

Return on equity (ROE) is 28.12% and return on invested capital (ROIC) is 27.21%.

Return on Equity (ROE)	28.12%
Return on Assets (ROA)	1.41%
Return on Invested Capital (ROIC)	27.21%
Return on Capital Employed (ROCE)	2.14%
Revenue Per Employee	31.00M
Profits Per Employee	780,269
Employee Count	1,797
Asset Turnover	0.54
Inventory Turnover	n/a

Taxes

In the past 12 months, PSX:ALIFE has paid 955.96 million in taxes.

Income Tax	955.96M
Effective Tax Rate	39.15%

Stock Price Statistics

The stock price has increased by +15.17% in the last 52 weeks. The beta is 0.36, so PSX:ALIFE's price volatility has been lower than the market average.

Beta (5Y)	0.36
52-Week Price Change	+15.17%
50-Day Moving Average	33.44
200-Day Moving Average	28.45
Relative Strength Index (RSI)	50.96
Average Volume (20 Days)	43,977

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:ALIFE had revenue of PKR 59.03 billion and earned 1.49 billion in profits. Earnings per share was 5.66.

Revenue	59.03B
Gross Profit	4.14B
Operating Income	2.45B
Pretax Income	2.44B
Net Income	1.49B
EBITDA	2.54B
EBIT	2.45B
Earnings Per Share (EPS)	5.66

Balance Sheet

The company has 116.53 billion in cash and 634.50 million in debt, giving a net cash position of 5.82 billion or 22.16 per share.

Cash & Cash Equivalents	116.53B
Total Debt	634.50M
Net Cash	5.82B
Net Cash Per Share	22.16
Equity (Book Value)	5.75B
Book Value Per Share	21.90
Working Capital	112.58B

Cash Flow

In the last 12 months, operating cash flow was 2.10 billion and capital expenditures -135.19 million, giving a free cash flow of 1.96 billion.

Operating Cash Flow	2.10B
Capital Expenditures	-135.19M
Free Cash Flow	1.96B
FCF Per Share	7.47

Margins

Gross margin is 7.01%, with operating and profit margins of 4.15% and 2.52%.

Gross Margin	7.01%
Operating Margin	4.15%
Pretax Margin	4.14%
Profit Margin	2.52%
EBITDA Margin	4.30%
EBIT Margin	4.15%
FCF Margin	3.32%

Dividends & Yields

This stock pays an annual dividend of 2.00, which amounts to a dividend yield of 5.79%.

Dividend Per Share	2.00
Dividend Yield	5.79%
Dividend Growth (YoY)	2.50%
Years of Dividend Growth	2
Payout Ratio	33.66%
Buyback Yield	n/a
Shareholder Yield	5.79%
Earnings Yield	16.38%
FCF Yield	21.63%

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 July 11, 2025. It was a forward split with a ratio of 1.05000105.

Last Split Date	Jul 11, 2025
Split Type	Forward
Split Ratio	1.05000105

Scores

Altman Z-Score	n/a
Piotroski F-Score	4