Habib Insurance Company Limited (PSX: HICL)

Habib Insurance Company Ratios and Metrics

Market cap in millions PKR. Fiscal year is January - December.

Fiscal Year	Current	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Jan 27, 2025	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Market Capitalization	1,109	768	743	863	1,048	1,348
Market Cap Growth	20.00%	3.33%	-13.92%	-17.61%	-22.24%	-1.09%
Enterprise Value	1,040	804	213	1,085	1,227	1,480
PE Ratio	6.74	6.81	6.69	8.07	17.00	19.23
PS Ratio	0.59	0.41	0.54	0.90	1.25	1.54
PB Ratio	0.65	0.51	0.64	0.69	0.81	1.08
P/FCF Ratio	-	-	1.31	-	10.01	9.91
P/OCF Ratio	-	-	1.28	-	9.18	9.13
EV/Sales Ratio	0.55	0.42	0.15	1.13	1.46	1.69
EV/EBITDA Ratio	3.75	4.36	1.59	8.74	9.63	12.10
EV/EBIT Ratio	4.07	4.67	1.70	10.81	11.96	12.92
EV/FCF Ratio	-3.09	-	0.37	-	11.72	10.89
Debt / Equity Ratio	0.10	0.03	0.03	0.03	0.11	0.17
Debt / EBITDA Ratio	0.63	0.21	0.22	0.28	1.01	1.43
Debt / FCF Ratio	-	-	0.05	-	1.32	1.53
Quick Ratio	0.27	0.41	0.38	0.33	0.32	0.37
Current Ratio	0.90	1.01	0.86	0.96	1.00	0.98
Asset Turnover	0.33	0.38	0.32	0.23	0.22	0.25
Return on Equity (ROE)	11.42%	8.44%	9.17%	8.38%	4.84%	5.42%
Return on Assets (ROA)	2.81%	2.14%	1.79%	1.53%	1.67%	2.07%
Return on Capital (ROIC)	9.95%	7.83%	6.29%	4.60%	4.43%	5.00%
Earnings Yield	14.84%	14.68%	14.95%	12.40%	5.88%	5.20%
Earnings Yield	14.84%	14.68%	14.95%	12.40%	5.88%	5.20%
FCF Yield	-30.40%	-82.76%	76.58%	-5.94%	9.99%	10.09%
Dividend Yield	7.01%	11.06%	12.72%	11.91%	8.39%	6.94%
Payout Ratio	45.74%	67.42%	67.67%	56.72%	97.91%	129.05%
Total Shareholder Return	7.01%	11.06%	12.72%	11.91%	8.39%	6.94%

Source: S&P Capital IQ. Insurance template. Financial Sources.