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The Pakistan Credit Rating Agency Limited (PSX:GEMPACRA)
Pakistan flag Pakistan · Delayed Price · Currency is PKR
43.33
0.00 (0.00%)
At close: Oct 14, 2026

PSX:GEMPACRA Financials Overview

Millions PKR. Fiscal year is Jul - Jun.

Revenue & Profits
Chart
Fiscal YearTTMFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingJun '26 Jun '26 Jun '25 Jun '24 Jun '23 Jun '22
Revenue
538.08538.08487.42440.92409.3325.07
Revenue Growth
10.39%10.39%10.55%7.73%25.91%19.54%
Gross Profit
535.99535.99485.22439.07407.27320.74
Operating Income
203.89203.89164.45149.84158.22115.96
Net Income
133.14133.14112.81103.68123.5792.21
Earnings Per Share
1.791.791.511.391.661.24
EPS Growth
18.02%18.02%8.81%-16.10%34.01%41.70%

Revenue by Geography
Chart
Fiscal YearTTMFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingJun '26 Jun '26 Jun '25 Jun '24 Jun '23 Jun '22
Pakistan
520.25520.25470.31428.66364.13365.92
United Kingdom
1.991.991.931.831.71-
Sri Lanka
15.8515.8515.1810.4443.46-
Total
538.08538.08487.42440.92409.3325.07

Cash & Debt
Chart
Fiscal YearCurrentFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingJun '26 Jun '26 Jun '25 Jun '24 Jun '23 Jun '22
Cash & Investments
217.47217.47128.3493.94128.4694.09
Total Debt
19.1119.1126.28.2214.0823.56
Net Cash (Debt)
198.36198.36102.1485.72114.3870.52
Net Cash Growth
94.20%94.20%19.15%-25.05%62.18%70.30%
Net Cash Per Share
2.662.661.371.151.530.95

Cash Flow & CapEx
Chart
Fiscal YearTTMFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingJun '26 Jun '26 Jun '25 Jun '24 Jun '23 Jun '22
Operating Cash Flow
90.4490.44130.5578.08145.13141.67
Capital Expenditures
-5.28-5.28-1.59-2-16.62-8.95
Free Cash Flow
85.1685.16128.9676.08128.5132.72
Free Cash Flow Growth
-33.97%-33.97%69.50%-40.79%-3.18%18.59%

Margins
Chart
Fiscal YearTTMFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingJun '26 Jun '26 Jun '25 Jun '24 Jun '23 Jun '22
Gross Margin
99.61%99.61%99.55%99.58%99.50%98.67%
Operating Margin
37.89%37.89%33.74%33.98%38.66%35.67%
Pretax Margin
40.88%40.88%33.94%34.81%41.39%39.86%
Profit Margin
24.74%24.74%23.14%23.51%30.19%28.37%
FCF Margin
15.83%15.83%26.46%17.26%31.40%40.83%

Dividends
Chart
Fiscal YearFY 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
Chart
Fiscal YearCurrentFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingOct '26 Jun '26 Jun '25 Jun '24 Jun '23 Jun '22
PE Ratio
24.2627.4310.94---
P/FCF Ratio
37.9242.899.57---
PS Ratio
6.006.792.53---