First Credit and Investment Bank Limited (PSX:FCIBL)
Pakistan flag Pakistan · Delayed Price · Currency is PKR
33.79
+3.07 (9.99%)
At close: Sep 23, 2026

PSX:FCIBL Statistics

Total Valuation

PSX:FCIBL has a market cap or net worth of PKR 2.20 billion. The enterprise value is 3.54 billion.

Market Cap2.20B
Enterprise Value 3.54B

Important Dates

The last earnings date was Thursday, September 17, 2026.

Earnings Date Sep 17, 2026
Ex-Dividend Date n/a

Share Statistics

PSX:FCIBL has 65.00 million shares outstanding. The number of shares has decreased by -0.43% in one year.

Current Share Class 65.00M
Shares Outstanding 65.00M
Shares Change (YoY) -0.43%
Shares Change (QoQ) -3.25%
Owned by Insiders (%) 0.01%
Owned by Institutions (%) n/a
Float 798,173

Valuation Ratios

The trailing PE ratio is 33.13.

PE Ratio 33.13
Forward PE n/a
PS Ratio 8.55
PB Ratio 2.46
P/TBV Ratio 2.46
P/FCF Ratio n/a
P/OCF Ratio n/a
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

EV / Earnings 53.69
EV / Sales 13.79
EV / EBITDA 22.37
EV / EBIT 24.15
EV / FCF n/a

Financial Position

The company has a current ratio of 0.69, with a Debt / Equity ratio of 3.83.

Current Ratio 0.69
Quick Ratio 0.63
Debt / Equity 3.83
Debt / EBITDA 21.58
Debt / FCF -444.12
Interest Coverage 1.53

Financial Efficiency

Return on equity (ROE) is 7.47% and return on invested capital (ROIC) is 3.85%.

Return on Equity (ROE) 7.47%
Return on Assets (ROA) 2.16%
Return on Invested Capital (ROIC) 3.85%
Return on Capital Employed (ROCE) 15.96%
Weighted Average Cost of Capital (WACC) 4.08%
Revenue Per Employee 9.89M
Profits Per Employee 2.54M
Employee Count26
Asset Turnover 0.06
Inventory Turnover n/a

Taxes

In the past 12 months, PSX:FCIBL has paid 11.54 million in taxes.

Income Tax 11.54M
Effective Tax Rate 14.88%

Stock Price Statistics

The stock price has increased by +127.72% in the last 52 weeks. The beta is 0.45, so PSX:FCIBL's price volatility has been lower than the market average.

Beta (5Y) 0.45
52-Week Price Change +127.72%
50-Day Moving Average 32.10
200-Day Moving Average 33.19
Relative Strength Index (RSI) 54.65
Average Volume (20 Days) 30,677

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 257.02 million and earned 66.01 million in profits. Earnings per share was 1.02.

Revenue257.02M
Gross Profit 257.02M
Operating Income 146.75M
Pretax Income 77.56M
Net Income 66.01M
EBITDA 158.45M
EBIT 146.75M
Earnings Per Share (EPS) 1.02
Full Income Statement

Balance Sheet

The company has 2.07 billion in cash and 3.42 billion in debt, with a net cash position of -1.35 billion or -20.74 per share.

Cash & Cash Equivalents 2.07B
Total Debt 3.42B
Net Cash -1.35B
Net Cash Per Share -20.74
Equity (Book Value) 892.56M
Book Value Per Share 13.97
Working Capital -1.06B
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was -259,886 and capital expenditures -7.44 million, giving a free cash flow of -7.70 million.

Operating Cash Flow -259,886
Capital Expenditures -7.44M
Depreciation & Amortization 11.70M
Net Borrowing -9.24M
Free Cash Flow -7.70M
FCF Per Share -0.12
Full Cash Flow Statement

Margins

Gross margin is 100.00%, with operating and profit margins of 57.10% and 25.69%.

Gross Margin 100.00%
Operating Margin 57.10%
Pretax Margin 30.18%
Profit Margin 25.69%
EBITDA Margin 61.65%
EBIT Margin 57.10%
FCF Margin n/a

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
FCF Payout Ratio n/a
Buyback Yield 0.43%
Shareholder Yield 0.43%
Earnings Yield 3.01%
FCF Yield -0.35%

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 0.25 and a Piotroski F-Score of 4. A Z-score under 3 suggests an increased risk of bankruptcy.

Altman Z-Score 0.25
Piotroski F-Score 4