First Credit and Investment Bank Limited (PSX:FCIBL)
Pakistan flag Pakistan · Delayed Price · Currency is PKR
13.40
+0.09 (0.68%)
At close: Sep 8, 2025

PSX:FCIBL Statistics

Total Valuation

PSX:FCIBL has a market cap or net worth of PKR 886.60 million. The enterprise value is 3.55 billion.

Market Cap886.60M
Enterprise Value 3.55B

Important Dates

The last earnings date was Thursday, September 4, 2025.

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

Share Statistics

PSX:FCIBL has 65.00 million shares outstanding. The number of shares has decreased by -0.50% in one year.

Current Share Class 65.00M
Shares Outstanding 65.00M
Shares Change (YoY) -0.50%
Shares Change (QoQ) -2.64%
Owned by Insiders (%) 0.01%
Owned by Institutions (%) n/a
Float 798,173

Valuation Ratios

The trailing PE ratio is 15.68.

PE Ratio 15.68
Forward PE n/a
PS Ratio 1.47
PB Ratio 1.01
P/TBV Ratio 1.01
P/FCF Ratio 3.78
P/OCF Ratio 3.61
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 6.99, with an EV/FCF ratio of 15.15.

EV / Earnings 63.10
EV / Sales 5.90
EV / EBITDA 6.99
EV / EBIT 7.14
EV / FCF 15.15

Financial Position

The company has a current ratio of 0.23, with a Debt / Equity ratio of 3.65.

Current Ratio 0.23
Quick Ratio 0.21
Debt / Equity 3.65
Debt / EBITDA 6.29
Debt / FCF 13.64
Interest Coverage 1.08

Financial Efficiency

Return on equity (ROE) is 6.77% and return on invested capital (ROIC) is 7.79%.

Return on Equity (ROE) 6.77%
Return on Assets (ROA) 7.70%
Return on Invested Capital (ROIC) 7.79%
Return on Capital Employed (ROCE) 56.39%
Revenue Per Employee 23.14M
Profits Per Employee 2.16M
Employee Count26
Asset Turnover 0.15
Inventory Turnover n/a

Taxes

In the past 12 months, PSX:FCIBL has paid 6.06 million in taxes.

Income Tax 6.06M
Effective Tax Rate 9.73%

Stock Price Statistics

The stock price has increased by +77.02% in the last 52 weeks. The beta is 0.76, so PSX:FCIBL's price volatility has been lower than the market average.

Beta (5Y) 0.76
52-Week Price Change +77.02%
50-Day Moving Average 15.87
200-Day Moving Average 10.00
Relative Strength Index (RSI) 45.59
Average Volume (20 Days) 10,325

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 601.77 million and earned 56.27 million in profits. Earnings per share was 0.87.

Revenue601.77M
Gross Profit 601.77M
Operating Income 497.35M
Pretax Income 62.33M
Net Income 56.27M
EBITDA 507.77M
EBIT 497.35M
Earnings Per Share (EPS) 0.87
Full Income Statement

Balance Sheet

The company has 531.56 million in cash and 3.20 billion in debt, giving a net cash position of -2.66 billion or -40.98 per share.

Cash & Cash Equivalents 531.56M
Total Debt 3.20B
Net Cash -2.66B
Net Cash Per Share -40.98
Equity (Book Value) 875.47M
Book Value Per Share 13.75
Working Capital -2.49B
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 245.33 million and capital expenditures -11.05 million, giving a free cash flow of 234.27 million.

Operating Cash Flow 245.33M
Capital Expenditures -11.05M
Free Cash Flow 234.27M
FCF Per Share 3.60
Full Cash Flow Statement

Margins

Gross margin is 100.00%, with operating and profit margins of 82.65% and 9.35%.

Gross Margin 100.00%
Operating Margin 82.65%
Pretax Margin 10.36%
Profit Margin 9.35%
EBITDA Margin 84.38%
EBIT Margin 82.65%
FCF Margin 38.93%

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 0.50%
Shareholder Yield n/a
Earnings Yield 6.35%
FCF Yield 26.42%

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 -0.02 and a Piotroski F-Score of 5. A Z-score under 3 suggests an increased risk of bankruptcy.

Altman Z-Score -0.02
Piotroski F-Score 5