First Credit and Investment Bank Limited (PSX:FCIBL)
Pakistan flag Pakistan · Delayed Price · Currency is PKR
21.04
-1.10 (-4.97%)
At close: Jul 18, 2025

PSX:FCIBL Statistics

Total Valuation

PSX:FCIBL has a market cap or net worth of PKR 1.43 billion. The enterprise value is 4.10 billion.

Market Cap1.43B
Enterprise Value 4.10B

Important Dates

The next estimated earnings date is Thursday, September 4, 2025.

Earnings Date Sep 4, 2025
Ex-Dividend Date n/a

Share Statistics

PSX:FCIBL has 65.00 million shares outstanding.

Current Share Class 65.00M
Shares Outstanding 65.00M
Shares Change (YoY) n/a
Shares Change (QoQ) +0.65%
Owned by Insiders (%) 0.01%
Owned by Institutions (%) n/a
Float 798,173

Valuation Ratios

The trailing PE ratio is 28.41.

PE Ratio 28.41
Forward PE n/a
PS Ratio 2.30
PB Ratio 1.73
P/TBV Ratio 1.73
P/FCF Ratio 81.47
P/OCF Ratio 61.86
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 7.72, with an EV/FCF ratio of 233.73.

EV / Earnings 81.50
EV / Sales 6.60
EV / EBITDA 7.72
EV / EBIT 7.87
EV / FCF 233.73

Financial Position

The company has a current ratio of 0.16, with a Debt / Equity ratio of 3.42.

Current Ratio 0.16
Quick Ratio 0.14
Debt / Equity 3.42
Debt / EBITDA 5.32
Debt / FCF 161.05
Interest Coverage 1.07

Financial Efficiency

Return on equity (ROE) is 6.29% and return on invested capital (ROIC) is 10.61%.

Return on Equity (ROE) 6.29%
Return on Assets (ROA) 10.44%
Return on Invested Capital (ROIC) 10.61%
Return on Capital Employed (ROCE) 62.40%
Revenue Per Employee 23.91M
Profits Per Employee 1.94M
Employee Count26
Asset Turnover 0.20
Inventory Turnover n/a

Taxes

In the past 12 months, PSX:FCIBL has paid 3.87 million in taxes.

Income Tax 3.87M
Effective Tax Rate 7.14%

Stock Price Statistics

The stock price has increased by +173.25% in the last 52 weeks. The beta is 0.96, so PSX:FCIBL's price volatility has been similar to the market average.

Beta (5Y) 0.96
52-Week Price Change +173.25%
50-Day Moving Average 11.83
200-Day Moving Average 8.74
Relative Strength Index (RSI) 68.19
Average Volume (20 Days) 65,283

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:FCIBL had revenue of PKR 621.75 million and earned 50.34 million in profits. Earnings per share was 0.77.

Revenue621.75M
Gross Profit 559.41M
Operating Income 521.04M
Pretax Income 54.21M
Net Income 50.34M
EBITDA 531.19M
EBIT 521.04M
Earnings Per Share (EPS) 0.77
Full Income Statement

Balance Sheet

The company has 154.31 million in cash and 2.83 billion in debt, giving a net cash position of -2.67 billion or -41.11 per share.

Cash & Cash Equivalents 154.31M
Total Debt 2.83B
Net Cash -2.67B
Net Cash Per Share -41.11
Equity (Book Value) 826.52M
Book Value Per Share 12.72
Working Capital -2.41B
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 23.12 million and capital expenditures -5.56 million, giving a free cash flow of 17.55 million.

Operating Cash Flow 23.12M
Capital Expenditures -5.56M
Free Cash Flow 17.55M
FCF Per Share 0.27
Full Cash Flow Statement

Margins

Gross margin is 89.97%, with operating and profit margins of 83.80% and 8.10%.

Gross Margin 89.97%
Operating Margin 83.80%
Pretax Margin 8.72%
Profit Margin 8.10%
EBITDA Margin 85.43%
EBIT Margin 83.80%
FCF Margin 2.82%

Dividends & Yields

PSX:FCIBL does not appear to pay any dividends at this time.

Dividend Per Share n/a
Dividend Yield n/a
Dividend Growth (YoY) n/a
Years of Dividend Growth n/a
Payout Ratio n/a
Buyback Yield n/a
Shareholder Yield n/a
Earnings Yield 3.52%
FCF Yield 1.23%

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

This stock does not have any record of stock splits.

Last Split Date n/a
Split Type n/a
Split Ratio n/a

Scores

PSX:FCIBL has an Altman Z-Score of 0.03 and a Piotroski F-Score of 5. A Z-score under 3 suggests an increased risk of bankruptcy.

Altman Z-Score 0.03
Piotroski F-Score 5