FCIBL Statistics

Total Valuation

First Credit and Investment Bank has a market cap or net worth of PKR 484.25 million. The enterprise value is 3.15 billion.

Market Cap	484.25M
Enterprise Value	3.15B

Important Dates

The last earnings date was Thursday, September 12, 2024.

Earnings Date	Sep 12, 2024
Ex-Dividend Date	n/a

Share Statistics

First Credit and Investment Bank has 65.00 million shares outstanding.

Shares Outstanding	65.00M
Shares Change (YoY)	n/a
Shares Change (QoQ)	+0.94%
Owned by Insiders (%)	0.01%
Owned by Institutions (%)	n/a
Float	798,173

Valuation Ratios

The trailing PE ratio is 15.28.

PE Ratio	15.28
Forward PE	n/a
PS Ratio	1.08
PB Ratio	0.62
P/FCF Ratio	n/a
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 8.74, with an EV/FCF ratio of -113.91.

EV / Earnings	99.48
EV / Sales	7.03
EV / EBITDA	8.74
EV / EBIT	8.98
EV / FCF	-113.91

Financial Position

The company has a current ratio of 0.23, with a Debt / Equity ratio of 3.97.

Current Ratio	0.23
Quick Ratio	0.23
Debt / Equity	3.97
Debt / EBITDA	8.65
Debt / FCF	-112.71
Interest Coverage	1.06

Financial Efficiency

Return on equity (ROE) is 4.20% and return on invested capital (ROIC) is 7.67%.

Return on Equity (ROE)	4.20%
Return on Assets (ROA)	7.56%
Return on Capital (ROIC)	7.67%
Revenue Per Employee	17.26M
Profits Per Employee	1.22M
Employee Count	26
Asset Turnover	0.15
Inventory Turnover	n/a

Taxes

Income Tax	n/a
Effective Tax Rate	n/a

Stock Price Statistics

The stock price has increased by +1.90% in the last 52 weeks.

Beta (5Y)	n/a
52-Week Price Change	+1.90%
50-Day Moving Average	7.50
200-Day Moving Average	6.75
Relative Strength Index (RSI)	48.50
Average Volume (20 Days)	1,366

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, First Credit and Investment Bank had revenue of PKR 448.68 million and earned 31.70 million in profits. Earnings per share was 0.49.

Revenue	448.68M
Gross Profit	386.70M
Operating Income	351.19M
Pretax Income	41.73M
Net Income	31.70M
EBITDA	360.75M
EBIT	351.19M
Earnings Per Share (EPS)	0.49

Full Income Statement

Balance Sheet

The company has 451.17 million in cash and 3.12 billion in debt, giving a net cash position of -2.67 billion or -41.06 per share.

Cash & Cash Equivalents	451.17M
Total Debt	3.12B
Net Cash	-2.67B
Net Cash Per Share	-41.06
Equity (Book Value)	786.87M
Book Value Per Share	12.11
Working Capital	-2.42B

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was -14.90 million and capital expenditures -12.78 million, giving a free cash flow of -27.68 million.

Operating Cash Flow	-14.90M
Capital Expenditures	-12.78M
Free Cash Flow	-27.68M
FCF Per Share	-0.43

Full Cash Flow Statement

Margins

Gross margin is 86.19%, with operating and profit margins of 78.27% and 7.06%.

Gross Margin	86.19%
Operating Margin	78.27%
Pretax Margin	9.30%
Profit Margin	7.06%
EBITDA Margin	80.40%
EBIT Margin	78.27%
FCF Margin	-6.17%

Dividends & Yields

First Credit and Investment Bank 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	6.55%
FCF Yield	-5.72%

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

First Credit and Investment Bank has an Altman Z-Score of -0.19. A Z-score under 3 suggests an increased risk of bankruptcy.

Altman Z-Score	-0.19
Piotroski F-Score	n/a