First Credit and Investment Bank Limited (PSX:FCIBL)
Pakistan flag Pakistan · Delayed Price · Currency is PKR
37.15
+0.01 (0.03%)
At close: Jun 24, 2026

PSX:FCIBL Statistics

Total Valuation

PSX:FCIBL has a market cap or net worth of PKR 2.41 billion. The enterprise value is 5.79 billion.

Market Cap2.41B
Enterprise Value 5.79B

Important Dates

The next estimated earnings date is Friday, September 4, 2026.

Earnings Date Sep 4, 2026
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) +1.58%
Owned by Insiders (%) 0.01%
Owned by Institutions (%) n/a
Float 798,173

Valuation Ratios

The trailing PE ratio is 37.80.

PE Ratio 37.80
Forward PE n/a
PS Ratio 8.50
PB Ratio 2.75
P/TBV Ratio 2.75
P/FCF Ratio 9.23
P/OCF Ratio 8.83
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 30.75, with an EV/FCF ratio of 22.14.

EV / Earnings 90.64
EV / Sales 20.39
EV / EBITDA 30.75
EV / EBIT 32.74
EV / FCF 22.14

Financial Position

The company has a current ratio of 0.15, with a Debt / Equity ratio of 4.08.

Current Ratio 0.15
Quick Ratio 0.10
Debt / Equity 4.08
Debt / EBITDA 19.03
Debt / FCF 13.70
Interest Coverage 1.33

Financial Efficiency

Return on equity (ROE) is 7.50% and return on invested capital (ROIC) is 5.75%.

Return on Equity (ROE) 7.50%
Return on Assets (ROA) 2.69%
Return on Invested Capital (ROIC) 5.75%
Return on Capital Employed (ROCE) 19.97%
Weighted Average Cost of Capital (WACC) 4.51%
Revenue Per Employee 10.92M
Profits Per Employee 2.46M
Employee Count26
Asset Turnover 0.07
Inventory Turnover n/a

Taxes

In the past 12 months, PSX:FCIBL has paid 15.75 million in taxes.

Income Tax 15.75M
Effective Tax Rate 19.78%

Stock Price Statistics

The stock price has increased by +379.36% in the last 52 weeks. The beta is 0.47, so PSX:FCIBL's price volatility has been lower than the market average.

Beta (5Y) 0.47
52-Week Price Change +379.36%
50-Day Moving Average 41.47
200-Day Moving Average 27.61
Relative Strength Index (RSI) 42.60
Average Volume (20 Days) 47,233

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 284.01 million and earned 63.89 million in profits. Earnings per share was 0.98.

Revenue284.01M
Gross Profit 223.09M
Operating Income 176.88M
Pretax Income 79.64M
Net Income 63.89M
EBITDA 182.81M
EBIT 176.88M
Earnings Per Share (EPS) 0.98
Full Income Statement

Balance Sheet

The company has 207.08 million in cash and 3.58 billion in debt, with a net cash position of -3.38 billion or -51.94 per share.

Cash & Cash Equivalents 207.08M
Total Debt 3.58B
Net Cash -3.38B
Net Cash Per Share -51.94
Equity (Book Value) 877.68M
Book Value Per Share 13.50
Working Capital -3.06B
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 273.43 million and capital expenditures -11.85 million, giving a free cash flow of 261.58 million.

Operating Cash Flow 273.43M
Capital Expenditures -11.85M
Depreciation & Amortization 5.93M
Net Borrowing -11.35M
Free Cash Flow 261.58M
FCF Per Share 4.02
Full Cash Flow Statement

Margins

Gross margin is 78.55%, with operating and profit margins of 62.28% and 22.49%.

Gross Margin 78.55%
Operating Margin 62.28%
Pretax Margin 28.04%
Profit Margin 22.49%
EBITDA Margin 64.37%
EBIT Margin 62.28%
FCF Margin 92.10%

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 2.65%
FCF Yield 10.83%

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 -0.34 and a Piotroski F-Score of 4. A Z-score under 3 suggests an increased risk of bankruptcy.

Altman Z-Score -0.34
Piotroski F-Score 4