The Pakistan Credit Rating Agency Limited (PSX:GEMPACRA)

PSX:GEMPACRA Statistics

Total Valuation

PSX:GEMPACRA has a market cap or net worth of PKR 1.83 billion. The enterprise value is 1.74 billion.

Market Cap	1.83B
Enterprise Value	1.74B

Important Dates

The next estimated earnings date is Wednesday, January 28, 2026.

Earnings Date	Jan 28, 2026
Ex-Dividend Date	Oct 20, 2025

Share Statistics

PSX:GEMPACRA has 74.53 million shares outstanding.

Current Share Class	74.53M
Shares Outstanding	74.53M
Shares Change (YoY)	n/a
Shares Change (QoQ)	n/a
Owned by Insiders (%)	57.60%
Owned by Institutions (%)	4.26%
Float	7.31M

Valuation Ratios

The trailing PE ratio is 16.50.

PE Ratio	16.50
Forward PE	n/a
PS Ratio	3.80
PB Ratio	9.72
P/TBV Ratio	9.76
P/FCF Ratio	14.19
P/OCF Ratio	14.07
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 10.95, with an EV/FCF ratio of 13.50.

EV / Earnings	15.70
EV / Sales	3.61
EV / EBITDA	10.95
EV / EBIT	12.11
EV / FCF	13.50

Financial Position

The company has a current ratio of 1.55, with a Debt / Equity ratio of 0.13.

Current Ratio	1.55
Quick Ratio	1.51
Debt / Equity	0.13
Debt / EBITDA	0.15
Debt / FCF	0.19
Interest Coverage	167.90

Financial Efficiency

Return on Equity (ROE)	n/a
Return on Assets (ROA)	n/a
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	72.50%
Revenue Per Employee	5.86M
Profits Per Employee	1.35M
Employee Count	82
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, PSX:GEMPACRA has paid 45.66 million in taxes.

Income Tax	45.66M
Effective Tax Rate	29.21%

Stock Price Statistics

Beta (5Y)	n/a
52-Week Price Change	n/a
50-Day Moving Average	25.81
200-Day Moving Average	n/a
Relative Strength Index (RSI)	48.69
Average Volume (20 Days)	5,147

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:GEMPACRA had revenue of PKR 480.87 million and earned 110.66 million in profits. Earnings per share was 1.48.

Revenue	480.87M
Gross Profit	478.67M
Operating Income	147.48M
Pretax Income	156.31M
Net Income	110.66M
EBITDA	154.73M
EBIT	147.48M
Earnings Per Share (EPS)	1.48

Balance Sheet

The company has 113.44 million in cash and 24.47 million in debt, giving a net cash position of 88.97 million or 1.19 per share.

Cash & Cash Equivalents	113.44M
Total Debt	24.47M
Net Cash	88.97M
Net Cash Per Share	1.19
Equity (Book Value)	187.84M
Book Value Per Share	2.52
Working Capital	105.43M

Cash Flow

In the last 12 months, operating cash flow was 129.81 million and capital expenditures -1.14 million, giving a free cash flow of 128.67 million.

Operating Cash Flow	129.81M
Capital Expenditures	-1.14M
Free Cash Flow	128.67M
FCF Per Share	1.73

Margins

Gross margin is 99.54%, with operating and profit margins of 30.67% and 23.01%.

Gross Margin	99.54%
Operating Margin	30.67%
Pretax Margin	32.51%
Profit Margin	23.01%
EBITDA Margin	32.18%
EBIT Margin	30.67%
FCF Margin	26.76%

Dividends & Yields

This stock pays an annual dividend of 1.31, which amounts to a dividend yield of 5.35%.

Dividend Per Share	1.31
Dividend Yield	5.35%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	88.23%
Buyback Yield	n/a
Shareholder Yield	5.35%
Earnings Yield	6.06%
FCF Yield	7.05%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value	n/a
Lynch Upside	n/a
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:GEMPACRA has an Altman Z-Score of 8.67 and a Piotroski F-Score of 5.

Altman Z-Score	8.67
Piotroski F-Score	5