Skip to main content
logo
First Credit and Investment Bank Limited (PSX:FCIBL)
Pakistan flag Pakistan · Delayed Price · Currency is PKR
155.21
+14.11 (10.00%)
At close: Nov 3, 2026

PSX:FCIBL Financials Overview

Millions PKR. Fiscal year is Jul - Jun.

Revenue & Profits
Chart
Fiscal Year
TTMFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingSep '26 Jun '26 Jun '25 Jun '24 Jun '23 Jun '22
Revenue
289.97257.21601.77448.68279.27133.94
Revenue Growth
-42.00%-57.26%34.12%60.66%108.49%-7.52%
Gross Profit
228.33195.57541.34386.7223.0893.01
Operating Income
182.15147.28497.75351.19188.465.43
Net Income
48.466.0156.2731.712.998.19
Earnings Per Share
0.741.020.870.490.200.13
EPS Growth
-26.04%17.33%77.51%143.93%58.67%-60.12%

Cash & Debt
Chart
Fiscal Year
CurrentFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingSep '26 Jun '26 Jun '25 Jun '24 Jun '23 Jun '22
Cash & Investments
2,1262,071561.51451.17185.91,184
Total Debt
3,5153,4193,1953,1201,0921,285
Net Cash (Debt)
-1,389-1,348-2,634-2,669-906.16-101.24
Net Cash Growth
------
Net Cash Per Share
-21.30-20.74-40.52-41.06-13.94-1.56

Cash Flow & CapEx
Chart
Fiscal Year
TTMFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingSep '26 Jun '26 Jun '25 Jun '24 Jun '23 Jun '22
Operating Cash Flow
-68.95-0.26246.73-136.76-36.05-982.86
Capital Expenditures
-7.44-7.44-11.05-12.78-0.24-2.05
Free Cash Flow
-76.39-7.7235.68-149.54-36.28-984.91
Free Cash Flow Growth
------

Margins
Chart
Fiscal Year
TTMFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingSep '26 Jun '26 Jun '25 Jun '24 Jun '23 Jun '22
Gross Margin
78.74%76.03%89.96%86.19%79.88%69.44%
Operating Margin
62.82%57.26%82.72%78.27%67.46%48.85%
Pretax Margin
18.99%30.15%10.36%9.30%9.31%9.94%
Profit Margin
16.69%25.67%9.35%7.06%4.65%6.11%
FCF Margin
-26.34%-2.99%39.16%-33.33%-12.99%-735.31%

Valuation
Chart
Fiscal Year
CurrentFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingNov '26 Jun '26 Jun '25 Jun '24 Jun '23 Jun '22
PE Ratio
209.0535.5512.9517.8225.0635.80
P/FCF Ratio
--3.09---
PS Ratio
34.799.121.211.261.172.19