The Pakistan Credit Rating Agency Limited (PSX:GEMPACRA)

PSX:GEMPACRA Financials Overview

Financials in millions PKR. Fiscal year is July - June.

Revenue & Profits

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Jun 30, 2025	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022	Jun 30, 2021
Revenue Revenue Growth	525.91	487.42	440.92	409.3	325.07	271.93
Revenue Growth	19.28%	10.55%	7.73%	25.91%	19.54%	5.10%
Gross Profit Gross Profit Growth	523.71	485.22	439.07	407.27	320.74	165.99
Operating Income Operating Income Growth	180.08	156.49	149.84	158.22	115.96	88.25
Net Income Net Income Growth	125.3	112.81	103.68	123.57	92.21	65.07
Earnings Per Share EPS Growth	1.68	1.51	1.39	1.66	1.24	0.87
EPS Growth	20.86%	8.81%	-16.10%	34.01%	41.70%	64.97%

Revenue by Geography

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Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2025	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022	Jun 30, 2021
Pakistan Pakistan Growth	470.31	428.66	364.13	365.92	309.43
United Kingdom United Kingdom Growth	1.93	1.83	1.71	-	-
Sri Lanka Sri Lanka Growth	15.18	10.44	43.46	-	-
Total Total Growth	487.42	440.92	409.3	325.07	271.93

Cash & Debt

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Jun 30, 2025	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022	Jun 30, 2021
Cash & Investments Cash & Investments Growth	157.97	128.34	93.94	128.46	94.09	90.6
Total Debt Total Debt Growth	20.1	26.2	8.22	14.08	23.56	49.19
Net Cash (Debt) Net Cash Growth	137.86	102.14	85.72	114.38	70.52	41.41
Net Cash Growth	60.82%	19.15%	-25.05%	62.18%	70.30%	-
Net Cash Per Share Net Cash Per Share Growth	1.85	1.37	1.15	1.53	0.95	0.56

Cash Flow & CapEx

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Jun 30, 2025	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022	Jun 30, 2021
Operating Cash Flow Operating Cash Flow Growth	76.69	130.55	78.08	145.13	141.67	119.82
Capital Expenditures CapEx Growth	-5.01	-1.59	-2	-16.62	-8.95	-7.91
Free Cash Flow Free Cash Flow Growth	71.68	128.96	76.08	128.5	132.72	111.91
Free Cash Flow Growth	-5.78%	69.50%	-40.79%	-3.18%	18.59%	175.33%

Margins

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Jun 30, 2025	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022	Jun 30, 2021
Gross Margin	99.58%	99.55%	99.58%	99.50%	98.67%	61.04%
Operating Margin	34.24%	32.11%	33.98%	38.66%	35.67%	32.45%
Pretax Margin	37.96%	33.94%	34.81%	41.39%	39.86%	36.72%
Profit Margin	23.83%	23.14%	23.51%	30.19%	28.37%	23.93%
FCF Margin	13.63%	26.46%	17.26%	31.40%	40.83%	41.15%

Dividends

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul 31, 2026	Jun 30, 2025	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022	Jun 30, 2021
Dividend Per Share Dividend Per Share Growth	1.310	1.310	-	-	1.100	2.250
Dividend Per Share Growth	0%	-	-	-	-51.11%	181.25%
Dividend Yield	4.03%	8.34%	-	-	-	-

Valuation

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul 31, 2026	Jun 30, 2025	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022	Jun 30, 2021
PE Ratio	21.26	10.94	-	-	-	-
P/FCF Ratio	37.17	9.57	-	-	-	-
PS Ratio	5.07	2.53	-	-	-	-

Data Source: S&P Global Market Intelligence Last updated: Mar 31, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Jul 31, 2026

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