Habib Insurance Company Limited (PSX:HICL)

Habib Insurance Company Statistics

Total Valuation

PSX:HICL has a market cap or net worth of PKR 1.83 billion. The enterprise value is 1.82 billion.

Market Cap	1.83B
Enterprise Value	1.82B

Important Dates

The last earnings date was Friday, August 29, 2025.

Earnings Date	Aug 29, 2025
Ex-Dividend Date	Apr 14, 2025

Share Statistics

PSX:HICL has 123.87 million shares outstanding.

Current Share Class	123.87M
Shares Outstanding	123.87M
Shares Change (YoY)	n/a
Shares Change (QoQ)	n/a
Owned by Insiders (%)	3.39%
Owned by Institutions (%)	0.24%
Float	113.94M

Valuation Ratios

The trailing PE ratio is 6.86.

PE Ratio	6.86
Forward PE	n/a
PS Ratio	0.81
PB Ratio	0.88
P/TBV Ratio	0.88
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 4.22, with an EV/FCF ratio of -17.75.

EV / Earnings	6.80
EV / Sales	0.81
EV / EBITDA	4.22
EV / EBIT	4.48
EV / FCF	-17.75

Financial Position

The company has a current ratio of 0.75, with a Debt / Equity ratio of 0.03.

Current Ratio	0.75
Quick Ratio	0.20
Debt / Equity	0.03
Debt / EBITDA	0.17
Debt / FCF	-0.70
Interest Coverage	55.42

Financial Efficiency

Return on equity (ROE) is 14.08% and return on invested capital (ROIC) is 12.99%.

Return on Equity (ROE)	14.08%
Return on Assets (ROA)	4.38%
Return on Invested Capital (ROIC)	12.99%
Return on Capital Employed (ROCE)	14.99%
Revenue Per Employee	9.68M
Profits Per Employee	1.15M
Employee Count	233
Asset Turnover	0.39
Inventory Turnover	n/a

Taxes

In the past 12 months, PSX:HICL has paid 152.96 million in taxes.

Income Tax	152.96M
Effective Tax Rate	36.40%

Stock Price Statistics

The stock price has increased by +103.69% in the last 52 weeks. The beta is 0.34, so PSX:HICL's price volatility has been lower than the market average.

Beta (5Y)	0.34
52-Week Price Change	+103.69%
50-Day Moving Average	14.78
200-Day Moving Average	9.94
Relative Strength Index (RSI)	54.38
Average Volume (20 Days)	744,089

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 2.26 billion and earned 267.25 million in profits. Earnings per share was 2.16.

Revenue	2.26B
Gross Profit	747.63M
Operating Income	405.71M
Pretax Income	420.21M
Net Income	267.25M
EBITDA	415.55M
EBIT	405.71M
Earnings Per Share (EPS)	2.16

Balance Sheet

The company has 86.80 million in cash and 71.60 million in debt, giving a net cash position of 15.21 million or 0.12 per share.

Cash & Cash Equivalents	86.80M
Total Debt	71.60M
Net Cash	15.21M
Net Cash Per Share	0.12
Equity (Book Value)	2.08B
Book Value Per Share	16.82
Working Capital	-905.67M

Cash Flow

In the last 12 months, operating cash flow was -62.44 million and capital expenditures -39.93 million, giving a free cash flow of -102.37 million.

Operating Cash Flow	-62.44M
Capital Expenditures	-39.93M
Free Cash Flow	-102.37M
FCF Per Share	-0.83

Margins

Gross margin is 33.15%, with operating and profit margins of 17.99% and 11.85%.

Gross Margin	33.15%
Operating Margin	17.99%
Pretax Margin	18.63%
Profit Margin	11.85%
EBITDA Margin	18.43%
EBIT Margin	17.99%
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 1.00, which amounts to a dividend yield of 7.15%.

Dividend Per Share	1.00
Dividend Yield	7.15%
Dividend Growth (YoY)	60.00%
Years of Dividend Growth	n/a
Payout Ratio	45.21%
Buyback Yield	n/a
Shareholder Yield	7.87%
Earnings Yield	14.59%
FCF Yield	-5.59%

Fair Value

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

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

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	2