First Credit and Investment Bank Limited (PSX:FCIBL)
Pakistan flag Pakistan · Delayed Price · Currency is PKR
13.80
-0.74 (-5.09%)
At close: Oct 13, 2025

PSX:FCIBL Statistics

Total Valuation

PSX:FCIBL has a market cap or net worth of PKR 900.25 million. The enterprise value is 3.53 billion.

Market Cap900.25M
Enterprise Value 3.53B

Important Dates

The next estimated earnings date is Wednesday, October 29, 2025.

Earnings Date Oct 29, 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) -0.64%
Owned by Insiders (%) 0.01%
Owned by Institutions (%) n/a
Float 798,173

Valuation Ratios

The trailing PE ratio is 16.00.

PE Ratio 16.00
Forward PE n/a
PS Ratio 1.50
PB Ratio 1.03
P/TBV Ratio 1.03
P/FCF Ratio 3.84
P/OCF Ratio 3.67
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 6.96, with an EV/FCF ratio of 15.08.

EV / Earnings 62.81
EV / Sales 5.87
EV / EBITDA 6.96
EV / EBIT 7.11
EV / FCF 15.08

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 0.22
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 23.15M
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 +85.24% in the last 52 weeks. The beta is 0.85, so PSX:FCIBL's price volatility has been lower than the market average.

Beta (5Y) 0.85
52-Week Price Change +85.24%
50-Day Moving Average 13.55
200-Day Moving Average 10.68
Relative Strength Index (RSI) 54.81
Average Volume (20 Days) 10,182

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 540.85M
Operating Income 497.35M
Pretax Income 62.33M
Net Income 56.27M
EBITDA 502.28M
EBIT 497.35M
Earnings Per Share (EPS) 0.87
Full Income Statement

Balance Sheet

The company has 561.51 million in cash and 3.20 billion in debt, giving a net cash position of -2.63 billion or -40.52 per share.

Cash & Cash Equivalents 561.51M
Total Debt 3.20B
Net Cash -2.63B
Net Cash Per Share -40.52
Equity (Book Value) 875.47M
Book Value Per Share 13.47
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 89.88%, with operating and profit margins of 82.65% and 9.35%.

Gross Margin 89.88%
Operating Margin 82.65%
Pretax Margin 10.36%
Profit Margin 9.35%
EBITDA Margin 83.47%
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 n/a
Shareholder Yield n/a
Earnings Yield 6.25%
FCF Yield 26.02%

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