First Credit and Investment Bank Limited (PSX:FCIBL)
Pakistan flag Pakistan · Delayed Price · Currency is PKR
15.14
-0.64 (-4.06%)
At close: Nov 28, 2025

PSX:FCIBL Statistics

Total Valuation

PSX:FCIBL has a market cap or net worth of PKR 984.10 million. The enterprise value is 696.49 million.

Market Cap984.10M
Enterprise Value 696.49M

Important Dates

The next estimated earnings date is Wednesday, February 18, 2026.

Earnings Date Feb 18, 2026
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) n/a
Owned by Insiders (%) 0.01%
Owned by Institutions (%) n/a
Float 798,173

Valuation Ratios

The trailing PE ratio is 15.08.

PE Ratio 15.08
Forward PE n/a
PS Ratio 1.97
PB Ratio 1.11
P/TBV Ratio 1.11
P/FCF Ratio 2.54
P/OCF Ratio 2.47
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 1.75, with an EV/FCF ratio of 1.80.

EV / Earnings 10.67
EV / Sales 1.39
EV / EBITDA 1.75
EV / EBIT 1.80
EV / FCF 1.80

Financial Position

The company has a current ratio of 1.13, with a Debt / Equity ratio of 3.86.

Current Ratio 1.13
Quick Ratio 1.09
Debt / Equity 3.86
Debt / EBITDA 8.64
Debt / FCF 8.84
Interest Coverage 1.14

Financial Efficiency

Return on equity (ROE) is 7.60% and return on invested capital (ROIC) is 5.96%.

Return on Equity (ROE) 7.60%
Return on Assets (ROA) 5.87%
Return on Invested Capital (ROIC) 5.96%
Return on Capital Employed (ROCE) 43.14%
Revenue Per Employee 19.23M
Profits Per Employee 2.51M
Employee Count26
Asset Turnover 0.12
Inventory Turnover n/a

Taxes

In the past 12 months, PSX:FCIBL has paid 9.07 million in taxes.

Income Tax 9.07M
Effective Tax Rate 12.20%

Stock Price Statistics

The stock price has increased by +107.40% in the last 52 weeks. The beta is 1.21, so PSX:FCIBL's price volatility has been higher than the market average.

Beta (5Y) 1.21
52-Week Price Change +107.40%
50-Day Moving Average 14.62
200-Day Moving Average 11.91
Relative Strength Index (RSI) 49.92
Average Volume (20 Days) 50,187

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 499.92 million and earned 65.25 million in profits. Earnings per share was 1.00.

Revenue499.92M
Gross Profit 439.00M
Operating Income 386.50M
Pretax Income 74.32M
Net Income 65.25M
EBITDA 391.43M
EBIT 386.50M
Earnings Per Share (EPS) 1.00
Full Income Statement

Balance Sheet

The company has 3.72 billion in cash and 3.43 billion in debt, giving a net cash position of 287.61 million or 4.42 per share.

Cash & Cash Equivalents 3.72B
Total Debt 3.43B
Net Cash 287.61M
Net Cash Per Share 4.42
Equity (Book Value) 888.88M
Book Value Per Share 13.68
Working Capital 437.49M
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 398.99 million and capital expenditures -11.05 million, giving a free cash flow of 387.94 million.

Operating Cash Flow 398.99M
Capital Expenditures -11.05M
Free Cash Flow 387.94M
FCF Per Share 5.97
Full Cash Flow Statement

Margins

Gross margin is 87.81%, with operating and profit margins of 77.31% and 13.05%.

Gross Margin 87.81%
Operating Margin 77.31%
Pretax Margin 14.87%
Profit Margin 13.05%
EBITDA Margin 78.30%
EBIT Margin 77.31%
FCF Margin 77.60%

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 6.63%
FCF Yield 39.42%

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 0.72 and a Piotroski F-Score of 5. A Z-score under 3 suggests an increased risk of bankruptcy.

Altman Z-Score 0.72
Piotroski F-Score 5