PSX: FCIBL Statistics

Total Valuation

First Credit and Investment Bank has a market cap or net worth of PKR 531.05 million. The enterprise value is 3.32 billion.

Market Cap	531.05M
Enterprise Value	3.32B

Important Dates

The next estimated earnings date is Wednesday, February 19, 2025.

Earnings Date	Feb 19, 2025
Ex-Dividend Date	n/a

Share Statistics

First Credit and Investment Bank has 65.00 million shares outstanding.

Current Share Class	n/a
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 14.49.

PE Ratio	14.49
Forward PE	n/a
PS Ratio	0.96
PB Ratio	0.64
P/TBV Ratio	0.64
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 7.15, with an EV/FCF ratio of -48.42.

EV / Earnings	90.55
EV / Sales	6.00
EV / EBITDA	7.15
EV / EBIT	7.31
EV / FCF	-48.42

Financial Position

The company has a current ratio of 0.19, with a Debt / Equity ratio of 3.57.

Current Ratio	0.19
Quick Ratio	0.19
Debt / Equity	3.57
Debt / EBITDA	6.37
Debt / FCF	-43.14
Interest Coverage	1.07

Financial Efficiency

Return on equity (ROE) is 4.71% and return on invested capital (ROIC) is 10.04%.

Return on Equity (ROE)	4.71%
Return on Assets (ROA)	9.81%
Return on Capital (ROIC)	10.04%
Revenue Per Employee	21.28M
Profits Per Employee	1.41M
Employee Count	26
Asset Turnover	0.19
Inventory Turnover	n/a

Taxes

Income Tax	n/a
Effective Tax Rate	n/a

Stock Price Statistics

The stock price has increased by +19.80% in the last 52 weeks.

Beta (5Y)	n/a
52-Week Price Change	+19.80%
50-Day Moving Average	7.69
200-Day Moving Average	7.22
Relative Strength Index (RSI)	53.18
Average Volume (20 Days)	6,514

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 553.35 million and earned 36.64 million in profits. Earnings per share was 0.56.

Revenue	553.35M
Gross Profit	491.37M
Operating Income	453.66M
Pretax Income	48.86M
Net Income	36.64M
EBITDA	463.72M
EBIT	453.66M
Earnings Per Share (EPS)	0.56

Full Income Statement

Balance Sheet

The company has 169.42 million in cash and 2.96 billion in debt, giving a net cash position of -2.79 billion or -42.87 per share.

Cash & Cash Equivalents	169.42M
Total Debt	2.96B
Net Cash	-2.79B
Net Cash Per Share	-42.87
Equity (Book Value)	827.14M
Book Value Per Share	12.73
Working Capital	-2.46B

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was -67.65 million and capital expenditures -868,748, giving a free cash flow of -68.52 million.

Operating Cash Flow	-67.65M
Capital Expenditures	-868,748
Free Cash Flow	-68.52M
FCF Per Share	-1.05

Full Cash Flow Statement

Margins

Gross margin is 88.80%, with operating and profit margins of 81.98% and 6.62%.

Gross Margin	88.80%
Operating Margin	81.98%
Pretax Margin	8.83%
Profit Margin	6.62%
EBITDA Margin	83.80%
EBIT Margin	81.98%
FCF Margin	n/a

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	6.90%
FCF Yield	-12.90%

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 -0.08. A Z-score under 3 suggests an increased risk of bankruptcy.

Altman Z-Score	-0.08
Piotroski F-Score	n/a