First Credit and Investment Bank Limited (PSX:FCIBL)
Pakistan · Delayed Price · Currency is PKR 155.21
+14.11 (10.00%)
At close: Nov 3, 2026
PSX:FCIBL Income Statement
Financials in millions PKR. Fiscal year is July - June.
Millions PKR. Fiscal year is Jul - Jun.
Fiscal Year | TTM | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Jun '26 Jun 30, 2026 | Jun '25 Jun 30, 2025 | Jun '24 Jun 30, 2024 | Jun '23 Jun 30, 2023 | Jun '22 Jun 30, 2022 |
Operating Revenue | 19.26 | 21.09 | 17.93 | 10.37 | 2.25 | 1.65 |
Other Revenue | 270.72 | 236.12 | 583.84 | 438.3 | 277.02 | 132.29 |
| 289.97 | 257.21 | 601.77 | 448.68 | 279.27 | 133.94 | |
Revenue Growth | -42.00% | -57.26% | 34.12% | 60.66% | 108.49% | -7.52% |
Cost of Revenue | 61.64 | 61.64 | 60.43 | 61.98 | 56.18 | 40.93 |
Gross Profit | 228.33 | 195.57 | 541.34 | 386.7 | 223.08 | 93.01 |
Selling, General & Admin | 28.12 | 32.16 | 27.84 | 24.36 | 22.49 | 18.37 |
Amortization of Goodwill & Intangibles | 0.01 | 0.01 | - | 1.34 | 1.23 | 1.43 |
Other Operating Expenses | 6.34 | 4.42 | 5.32 | 0.24 | 3.83 | - |
Operating Expenses | 46.18 | 48.29 | 43.59 | 35.51 | 34.69 | 27.58 |
Operating Income | 182.15 | 147.28 | 497.75 | 351.19 | 188.4 | 65.43 |
Interest Expense | -148.78 | -95.89 | -461.8 | -329.85 | -191.22 | -67.61 |
Other Non Operating Income (Expenses) | 8.69 | 8.68 | 0.04 | -6.9 | 3 | 0.54 |
EBT Excluding Unusual Items | 42.06 | 60.07 | 35.99 | 14.45 | 0.18 | -1.64 |
Gain (Loss) on Sale of Investments | 12.99 | 17.49 | 25.95 | 27.07 | 25.77 | 14.81 |
Gain (Loss) on Sale of Assets | 0 | 0 | 0.39 | 0.21 | 0.06 | 0.14 |
Pretax Income | 55.05 | 77.56 | 62.33 | 41.73 | 26 | 13.31 |
Income Tax Expense | 6.65 | 11.54 | 6.06 | 10.03 | 13.01 | 5.12 |
Net Income | 48.4 | 66.01 | 56.27 | 31.7 | 12.99 | 8.19 |
Net Income to Common | 48.4 | 66.01 | 56.27 | 31.7 | 12.99 | 8.19 |
Net Income Growth | -25.82% | 17.33% | 77.51% | 143.93% | 58.67% | -60.12% |
Shares Outstanding (Basic) | 65 | 65 | 65 | 65 | 65 | 65 |
Shares Outstanding (Diluted) | 65 | 65 | 65 | 65 | 65 | 65 |
Shares Change | 0.29% | - | - | - | - | - |
EPS (Basic) | 0.74 | 1.02 | 0.87 | 0.49 | 0.20 | 0.13 |
EPS (Diluted) | 0.74 | 1.02 | 0.87 | 0.49 | 0.20 | 0.13 |
EPS Growth | -26.04% | 17.33% | 77.51% | 143.93% | 58.67% | -60.12% |
Additional Metrics
Fiscal Year | TTM | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Jun '26 Jun 30, 2026 | Jun '25 Jun 30, 2025 | Jun '24 Jun 30, 2024 | Jun '23 Jun 30, 2023 | Jun '22 Jun 30, 2022 |
Free Cash Flow | -76.39 | -7.7 | 235.68 | -149.54 | -36.28 | -984.91 |
Free Cash Flow Per Share | -1.17 | -0.12 | 3.63 | -2.30 | -0.56 | -15.15 |
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% |
Profit Margin | 16.69% | 25.67% | 9.35% | 7.06% | 4.65% | 6.11% |
Free Cash Flow Margin | -26.34% | -2.99% | 39.16% | -33.33% | -12.99% | -735.31% |
EBITDA | 189.53 | 153.48 | 502.68 | 355.25 | 195.54 | 73.22 |
EBITDA Margin | 65.36% | 59.67% | 83.53% | 79.18% | 70.02% | 54.66% |
D&A For EBITDA | 7.38 | 6.2 | 4.93 | 4.06 | 7.14 | 7.79 |
EBIT | 182.15 | 147.28 | 497.75 | 351.19 | 188.4 | 65.43 |
EBIT Margin | 62.82% | 57.26% | 82.72% | 78.27% | 67.46% | 48.85% |
Effective Tax Rate | 12.08% | 14.88% | 9.73% | 24.04% | 50.03% | 38.48% |
Revenue as Reported | 289.97 | 257.21 | 602.16 | 448.89 | 279.32 | 134.08 |
Advertising Expenses | - | 2.64 | 0.94 | 0.81 | 0.9 | 0.49 |