The Pakistan Credit Rating Agency Limited (PSX:GEMPACRA)
Pakistan flag Pakistan · Delayed Price · Currency is PKR
34.18
0.00 (0.00%)
At close: Nov 6, 2026

PSX:GEMPACRA Financials Overview

Millions PKR. Fiscal year is Jul - Jun.

Revenue & Profits

Fiscal Year
TTMFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingSep '26 Jun '26 Jun '25 Jun '24 Jun '23 Jun '22
Revenue
552.98538.08487.42440.92409.3325.07
Revenue Growth
15.00%10.39%10.55%7.73%25.91%19.54%
Gross Profit
550.88535.99485.22439.07407.27320.74
Operating Income
203.79203.89164.45149.84158.22115.96
Net Income
139.57133.14112.81103.68123.5792.21
Earnings Per Share
1.871.791.511.391.661.24
EPS Growth
25.62%18.02%8.81%-16.10%34.01%41.70%

Revenue by Geography

Fiscal Year
FY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingJun '26 Jun '25 Jun '24 Jun '23 Jun '22
Pakistan
520.25470.31428.66364.13365.92
United Kingdom
1.991.931.831.71-
Sri Lanka
15.8515.1810.4443.46-
Total
538.08487.42440.92409.3325.07

Cash & Debt

Fiscal Year
CurrentFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingSep '26 Jun '26 Jun '25 Jun '24 Jun '23 Jun '22
Cash & Investments
208.17217.47128.3493.94128.4694.09
Total Debt
1719.1126.28.2214.0823.56
Net Cash (Debt)
191.18198.36102.1485.72114.3870.52
Net Cash Growth
114.88%94.20%19.15%-25.05%62.18%70.30%
Net Cash Per Share
2.552.661.371.151.530.95

Cash Flow & CapEx

Fiscal Year
TTMFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingSep '26 Jun '26 Jun '25 Jun '24 Jun '23 Jun '22
Operating Cash Flow
93.6290.44130.5578.08145.13141.67
Capital Expenditures
-5.28-5.28-1.59-2-16.62-8.95
Free Cash Flow
88.3485.16128.9676.08128.5132.72
Free Cash Flow Growth
-31.35%-33.97%69.50%-40.79%-3.18%18.59%

Margins

Fiscal Year
TTMFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingSep '26 Jun '26 Jun '25 Jun '24 Jun '23 Jun '22
Gross Margin
99.62%99.61%99.55%99.58%99.50%98.67%
Operating Margin
36.85%37.89%33.74%33.98%38.66%35.67%
Pretax Margin
41.10%40.88%33.94%34.81%41.39%39.86%
Profit Margin
25.24%24.74%23.14%23.51%30.19%28.37%
FCF Margin
15.97%15.83%26.46%17.26%31.40%40.83%

Dividends

Fiscal Year
FY 2025FY 2024FY 2023FY 2022
Period EndingJun '25 Jun '24 Jun '23 Jun '22
Dividend Per Share
1.310--1.100
Dividend Per Share Growth
----51.11%
Dividend Yield
7.91%---

Valuation

Fiscal Year
CurrentFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingNov '26 Jun '26 Jun '25 Jun '24 Jun '23 Jun '22
PE Ratio
18.3327.4310.94---
P/FCF Ratio
28.8442.899.57---
PS Ratio
4.616.792.53---