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First Credit and Investment Bank Limited (PSX:FCIBL)
Pakistan flag Pakistan · Delayed Price · Currency is PKR
33.79
+3.07 (9.99%)
At close: Sep 23, 2026

PSX:FCIBL Financials Overview

Millions PKR. Fiscal year is Jul - Jun.

Revenue & Profits
Chart
Fiscal YearTTMFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingJun '26 Jun '26 Jun '25 Jun '24 Jun '23 Jun '22
Revenue
257.02257.02601.77448.68279.27133.94
Revenue Growth
-57.29%-57.29%34.12%60.66%108.49%-7.52%
Gross Profit
257.02257.02541.34386.7223.0893.01
Operating Income
146.75146.75497.35351.19188.465.43
Net Income
66.0166.0156.2731.712.998.19
Earnings Per Share
1.021.020.870.490.200.13
EPS Growth
17.83%17.83%77.51%143.93%58.67%-60.12%

Cash & Debt
Chart
Fiscal YearCurrentFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingJun '26 Jun '26 Jun '25 Jun '24 Jun '23 Jun '22
Cash & Investments
2,0712,071561.51451.17185.91,184
Total Debt
3,4193,4193,1953,1201,0921,285
Net Cash (Debt)
-1,348-1,348-2,634-2,669-906.16-101.24
Net Cash Growth
------
Net Cash Per Share
-20.83-20.83-40.52-41.06-13.94-1.56

Cash Flow & CapEx
Chart
Fiscal YearTTMFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingJun '26 Jun '26 Jun '25 Jun '24 Jun '23 Jun '22
Operating Cash Flow
-0.26-0.26245.33-136.76-36.05-982.86
Capital Expenditures
-7.44-7.44-11.05-12.78-0.24-2.05
Free Cash Flow
-7.7-7.7234.27-149.54-36.28-984.91
Free Cash Flow Growth
------

Margins
Chart
Fiscal YearTTMFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingJun '26 Jun '26 Jun '25 Jun '24 Jun '23 Jun '22
Gross Margin
100.00%100.00%89.96%86.19%79.88%69.44%
Operating Margin
57.10%57.10%82.65%78.27%67.46%48.85%
Pretax Margin
30.18%30.18%10.36%9.30%9.31%9.94%
Profit Margin
25.69%25.69%9.35%7.06%4.65%6.11%
FCF Margin
-3.00%-3.00%38.93%-33.33%-12.99%-735.31%

Valuation
Chart
Fiscal YearCurrentFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingSep '26 Jun '26 Jun '25 Jun '24 Jun '23 Jun '22
PE Ratio
33.1335.5512.9517.8225.0635.80
P/FCF Ratio
--3.11---
PS Ratio
8.559.131.211.261.172.19