Habib Insurance Company Limited (PSX:HICL)

Pakistan · Delayed Price · Currency is PKR

12.45

+0.17 (1.38%)

At close: Jul 31, 2026

Habib Insurance Company Ratios and Metrics

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

Millions PKR. Fiscal year is Jan - Dec.

Total Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '26 Jul 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Market Capitalization	1,521	1,542	1,053	768	743	863
Market Cap Growth	-21.68%	46.47%	37.10%	3.33%	-13.92%	-17.61%
Enterprise Value	1,512	1,653	984	804	213	1,085

Price Ratios

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '26 Jul 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	13.46	13.07	4.45	6.81	6.69	8.07
PS Ratio	0.69	0.72	0.50	0.41	0.54	0.90
PB Ratio	0.70	0.65	0.51	0.51	0.64	0.69
P/FCF Ratio	-	-	-	-	1.31	-
P/OCF Ratio	-	-	-	-	1.28	-

EV Ratios

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '26 Jul 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
EV/Sales Ratio	0.68	0.77	0.47	0.43	0.15	1.13
EV/EBITDA Ratio	7.61	8.65	2.63	4.36	1.59	8.74
EV/EBIT Ratio	8.82	9.44	2.75	4.68	1.70	10.81
EV/FCF Ratio	-	-	-	-	0.37	-

Financial Efficiency

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '26 Jul 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Debt / Equity Ratio	0.03	0.03	0.01	0.03	0.03	0.03
Debt / EBITDA Ratio	0.30	0.35	0.07	0.21	0.22	0.28
Debt / FCF Ratio	-	-	-	-	0.05	-
Net Debt / Equity Ratio	0.00	-0.01	-0.22	-0.41	-0.31	-0.05
Net Debt / EBITDA Ratio	-0.05	-0.17	-1.20	-3.37	-2.72	-0.48
Net Debt / FCF Ratio	0.10	0.18	1.97	0.98	-0.64	1.16
Quick Ratio	0.21	0.22	0.36	0.40	0.38	0.33
Current Ratio	0.86	0.84	0.93	1.01	0.86	0.96
Asset Turnover	0.32	0.30	0.35	0.38	0.32	0.24
Return on Equity (ROE)	5.28%	5.34%	13.31%	8.44%	9.17%	8.38%
Return on Assets (ROA)	1.54%	1.54%	3.74%	2.14%	1.79%	1.53%
Return on Invested Capital (ROIC)	5.07%	5.41%	12.48%	8.85%	7.92%	5.33%

Yields

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '26 Jul 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Earnings Yield	7.43%	7.65%	22.49%	14.69%	14.95%	12.40%
FCF Yield	-6.47%	-11.83%	-21.62%	-82.76%	76.58%	-5.94%
Dividend Yield	5.09%	5.30%	13.93%	13.09%	15.06%	14.10%
Payout Ratio	106.79%	102.27%	31.81%	67.42%	67.67%	56.72%
Total Shareholder Return	4.75%	5.30%	13.93%	13.09%	15.06%	14.10%