Habib Insurance Company Limited (PSX:HICL)

Habib Insurance Company Statistics

Total Valuation

PSX:HICL has a market cap or net worth of PKR 1.53 billion. The enterprise value is 1.64 billion.

Market Cap	1.53B
Enterprise Value	1.64B

Important Dates

The next estimated earnings date is Monday, March 30, 2026.

Earnings Date	Mar 30, 2026
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)	+0.42%
Owned by Insiders (%)	3.39%
Owned by Institutions (%)	n/a
Float	113.94M

Valuation Ratios

The trailing PE ratio is 5.68.

PE Ratio	5.68
Forward PE	n/a
PS Ratio	0.66
PB Ratio	0.62
P/TBV Ratio	0.62
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 3.93, with an EV/FCF ratio of -44.77.

EV / Earnings	6.10
EV / Sales	0.71
EV / EBITDA	3.93
EV / EBIT	4.12
EV / FCF	-44.77

Financial Position

The company has a current ratio of 0.76, with a Debt / Equity ratio of 0.05.

Current Ratio	0.76
Quick Ratio	0.17
Debt / Equity	0.05
Debt / EBITDA	0.32
Debt / FCF	-3.61
Interest Coverage	70.26

Financial Efficiency

Return on equity (ROE) is 12.87% and return on invested capital (ROIC) is 11.08%.

Return on Equity (ROE)	12.87%
Return on Assets (ROA)	3.64%
Return on Invested Capital (ROIC)	11.08%
Return on Capital Employed (ROCE)	12.12%
Revenue Per Employee	9.96M
Profits Per Employee	1.15M
Employee Count	233
Asset Turnover	0.34
Inventory Turnover	n/a

Taxes

In the past 12 months, PSX:HICL has paid 144.61 million in taxes.

Income Tax	144.61M
Effective Tax Rate	35.00%

Stock Price Statistics

The stock price has increased by +88.96% in the last 52 weeks. The beta is 0.29, so PSX:HICL's price volatility has been lower than the market average.

Beta (5Y)	0.29
52-Week Price Change	+88.96%
50-Day Moving Average	12.67
200-Day Moving Average	11.09
Relative Strength Index (RSI)	45.77
Average Volume (20 Days)	52,921

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 2.32 billion and earned 268.51 million in profits. Earnings per share was 2.17.

Revenue	2.32B
Gross Profit	709.47M
Operating Income	397.20M
Pretax Income	413.13M
Net Income	268.51M
EBITDA	401.62M
EBIT	397.20M
Earnings Per Share (EPS)	2.17

Balance Sheet

The company has 21.50 million in cash and 131.96 million in debt, giving a net cash position of -110.46 million or -0.89 per share.

Cash & Cash Equivalents	21.50M
Total Debt	131.96M
Net Cash	-110.46M
Net Cash Per Share	-0.89
Equity (Book Value)	2.47B
Book Value Per Share	19.92
Working Capital	-993.31M

Cash Flow

In the last 12 months, operating cash flow was -19.60 million and capital expenditures -16.95 million, giving a free cash flow of -36.55 million.

Operating Cash Flow	-19.60M
Capital Expenditures	-16.95M
Free Cash Flow	-36.55M
FCF Per Share	-0.30

Margins

Gross margin is 30.57%, with operating and profit margins of 17.12% and 11.57%.

Gross Margin	30.57%
Operating Margin	17.12%
Pretax Margin	17.80%
Profit Margin	11.57%
EBITDA Margin	17.31%
EBIT Margin	17.12%
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 1.00, which amounts to a dividend yield of 8.12%.

Dividend Per Share	1.00
Dividend Yield	8.12%
Dividend Growth (YoY)	60.00%
Years of Dividend Growth	n/a
Payout Ratio	45.00%
Buyback Yield	n/a
Shareholder Yield	8.12%
Earnings Yield	17.59%
FCF Yield	-2.40%

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	3