Habib Insurance Company Limited (PSX:HICL)

Habib Insurance Company Statistics

Total Valuation

PSX:HICL has a market cap or net worth of PKR 873.32 million. The enterprise value is 424.04 million.

Market Cap	873.32M
Enterprise Value	424.04M

Important Dates

The last earnings date was Thursday, March 27, 2025.

Earnings Date	Mar 27, 2025
Ex-Dividend Date	Apr 14, 2025

Share Statistics

PSX:HICL has 123.87 million shares outstanding.

Current Share Class	n/a
Shares Outstanding	123.87M
Shares Change (YoY)	n/a
Shares Change (QoQ)	n/a
Owned by Insiders (%)	4.43%
Owned by Institutions (%)	0.24%
Float	112.65M

Valuation Ratios

The trailing PE ratio is 3.69.

PE Ratio	3.69
Forward PE	n/a
PS Ratio	0.42
PB Ratio	0.42
P/TBV Ratio	0.43
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 1.08, with an EV/FCF ratio of -1.86.

EV / Earnings	1.79
EV / Sales	0.20
EV / EBITDA	1.08
EV / EBIT	1.17
EV / FCF	-1.86

Financial Position

The company has a current ratio of 0.93, with a Debt / Equity ratio of 0.01.

Current Ratio	0.93
Quick Ratio	0.36
Debt / Equity	0.01
Debt / EBITDA	0.07
Debt / FCF	-0.11
Interest Coverage	44.77

Financial Efficiency

Return on equity (ROE) is 13.31% and return on invested capital (ROIC) is 12.47%.

Return on Equity (ROE)	13.31%
Return on Assets (ROA)	3.78%
Return on Invested Capital (ROIC)	12.47%
Return on Capital Employed (ROCE)	13.62%
Revenue Per Employee	8.98M
Profits Per Employee	1.02M
Employee Count	233
Asset Turnover	0.35
Inventory Turnover	n/a

Taxes

Income Tax	n/a
Effective Tax Rate	n/a

Stock Price Statistics

The stock price has increased by +12.80% in the last 52 weeks. The beta is 0.24, so PSX:HICL's price volatility has been lower than the market average.

Beta (5Y)	0.24
52-Week Price Change	+12.80%
50-Day Moving Average	8.81
200-Day Moving Average	7.66
Relative Strength Index (RSI)	24.46
Average Volume (20 Days)	283,195

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:HICL had revenue of PKR 2.09 billion and earned 236.85 million in profits. Earnings per share was 1.91.

Revenue	2.09B
Gross Profit	640.91M
Operating Income	361.81M
Pretax Income	375.55M
Net Income	236.85M
EBITDA	377.54M
EBIT	361.81M
Earnings Per Share (EPS)	1.91

Balance Sheet

The company has 475.04 million in cash and 25.76 million in debt, giving a net cash position of 449.28 million or 3.63 per share.

Cash & Cash Equivalents	475.04M
Total Debt	25.76M
Net Cash	449.28M
Net Cash Per Share	3.63
Equity (Book Value)	2.06B
Book Value Per Share	16.59
Working Capital	-253.70M

Cash Flow

In the last 12 months, operating cash flow was -193.97 million and capital expenditures -33.70 million, giving a free cash flow of -227.67 million.

Operating Cash Flow	-193.97M
Capital Expenditures	-33.70M
Free Cash Flow	-227.67M
FCF Per Share	-1.84

Margins

Gross margin is 30.63%, with operating and profit margins of 17.29% and 11.32%.

Gross Margin	30.63%
Operating Margin	17.29%
Pretax Margin	17.95%
Profit Margin	11.32%
EBITDA Margin	18.05%
EBIT Margin	17.29%
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 1.00, which amounts to a dividend yield of 13.81%.

Dividend Per Share	1.00
Dividend Yield	13.81%
Dividend Growth (YoY)	60.00%
Years of Dividend Growth	n/a
Payout Ratio	31.81%
Buyback Yield	n/a
Shareholder Yield	13.81%
Earnings Yield	27.12%
FCF Yield	-26.07%

Stock Splits

The last stock split was on April 16, 2014. It was a forward split with a ratio of 1.25.

Last Split Date	Apr 16, 2014
Split Type	Forward
Split Ratio	1.25

Scores

Altman Z-Score	n/a
Piotroski F-Score	n/a