First Credit and Investment Bank Limited (PSX:FCIBL)
Pakistan flag Pakistan · Delayed Price · Currency is PKR
29.92
-1.08 (-3.48%)
At close: Feb 20, 2026

PSX:FCIBL Statistics

Total Valuation

PSX:FCIBL has a market cap or net worth of PKR 1.94 billion. The enterprise value is 1.72 billion.

Market Cap1.94B
Enterprise Value 1.72B

Important Dates

The last earnings date was Wednesday, February 4, 2026.

Earnings Date Feb 4, 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 29.33.

PE Ratio 29.33
Forward PE n/a
PS Ratio 5.11
PB Ratio 2.15
P/TBV Ratio 2.15
P/FCF Ratio 7.95
P/OCF Ratio 7.47
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 6.04, with an EV/FCF ratio of 7.03.

EV / Earnings 25.93
EV / Sales 4.52
EV / EBITDA 6.04
EV / EBIT 6.29
EV / FCF 7.03

Financial Position

The company has a current ratio of 1.12, with a Debt / Equity ratio of 3.84.

Current Ratio 1.12
Quick Ratio 1.07
Debt / Equity 3.84
Debt / EBITDA 12.23
Debt / FCF 14.23
Interest Coverage 1.25

Financial Efficiency

Return on equity (ROE) is 7.74% and return on invested capital (ROIC) is 35.24%.

Return on Equity (ROE) 7.74%
Return on Assets (ROA) 4.20%
Return on Invested Capital (ROIC) 35.24%
Return on Capital Employed (ROCE) 29.96%
Weighted Average Cost of Capital (WACC) 7.50%
Revenue Per Employee 14.63M
Profits Per Employee 2.55M
Employee Count26
Asset Turnover 0.09
Inventory Turnover n/a

Taxes

In the past 12 months, PSX:FCIBL has paid 14.03 million in taxes.

Income Tax 14.03M
Effective Tax Rate 17.46%

Stock Price Statistics

The stock price has increased by +289.08% in the last 52 weeks. The beta is 1.34, so PSX:FCIBL's price volatility has been higher than the market average.

Beta (5Y) 1.34
52-Week Price Change +289.08%
50-Day Moving Average 31.56
200-Day Moving Average 18.14
Relative Strength Index (RSI) 48.58
Average Volume (20 Days) 4,911

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 380.41 million and earned 66.32 million in profits. Earnings per share was 1.02.

Revenue380.41M
Gross Profit 319.49M
Operating Income 273.61M
Pretax Income 80.35M
Net Income 66.32M
EBITDA 279.11M
EBIT 273.61M
Earnings Per Share (EPS) 1.02
Full Income Statement

Balance Sheet

The company has 3.71 billion in cash and 3.48 billion in debt, with a net cash position of 225.09 million or 3.46 per share.

Cash & Cash Equivalents 3.71B
Total Debt 3.48B
Net Cash 225.09M
Net Cash Per Share 3.46
Equity (Book Value) 905.63M
Book Value Per Share 13.93
Working Capital 412.15M
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 260.41 million and capital expenditures -15.77 million, giving a free cash flow of 244.64 million.

Operating Cash Flow 260.41M
Capital Expenditures -15.77M
Free Cash Flow 244.64M
FCF Per Share 3.76
Full Cash Flow Statement

Margins

Gross margin is 83.99%, with operating and profit margins of 71.93% and 17.43%.

Gross Margin 83.99%
Operating Margin 71.93%
Pretax Margin 21.12%
Profit Margin 17.43%
EBITDA Margin 73.37%
EBIT Margin 71.93%
FCF Margin 64.31%

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 3.41%
FCF Yield 12.58%

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

Altman Z-Score 0.63
Piotroski F-Score 5