Habib Insurance Company Limited (PSX:HICL)

Habib Insurance Company Statistics

Total Valuation

PSX:HICL has a market cap or net worth of PKR 1.15 billion. The enterprise value is 1.08 billion.

Market Cap	1.15B
Enterprise Value	1.08B

Important Dates

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

Earnings Date	Mar 27, 2025
Ex-Dividend Date	Apr 9, 2024

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 6.98.

PE Ratio	6.98
Forward PE	n/a
PS Ratio	0.61
PB Ratio	0.67
P/TBV Ratio	0.68
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 3.89, with an EV/FCF ratio of -3.20.

EV / Earnings	6.56
EV / Sales	0.57
EV / EBITDA	3.89
EV / EBIT	4.22
EV / FCF	-3.20

Financial Position

The company has a current ratio of 0.90, with a Debt / Equity ratio of 0.10.

Current Ratio	0.90
Quick Ratio	0.27
Debt / Equity	0.10
Debt / EBITDA	0.63
Debt / FCF	-0.52
Interest Coverage	29.16

Financial Efficiency

Return on equity (ROE) is 11.42% and return on invested capital (ROIC) is 9.95%.

Return on Equity (ROE)	11.42%
Return on Assets (ROA)	2.81%
Return on Invested Capital (ROIC)	9.95%
Return on Capital Employed (ROCE)	11.25%
Revenue Per Employee	7.98M
Profits Per Employee	694,084
Employee Count	237
Asset Turnover	0.33
Inventory Turnover	n/a

Taxes

Income Tax	n/a
Effective Tax Rate	n/a

Stock Price Statistics

The stock price has increased by +33.38% 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	+33.38%
50-Day Moving Average	9.07
200-Day Moving Average	7.58
Relative Strength Index (RSI)	51.35
Average Volume (20 Days)	113,270

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 1.89 billion and earned 164.50 million in profits. Earnings per share was 1.33.

Revenue	1.89B
Gross Profit	503.74M
Operating Income	255.72M
Pretax Income	243.99M
Net Income	164.50M
EBITDA	262.58M
EBIT	255.72M
Earnings Per Share (EPS)	1.33

Balance Sheet

The company has 243.38 million in cash and 174.93 million in debt, giving a net cash position of 68.45 million or 0.55 per share.

Cash & Cash Equivalents	243.38M
Total Debt	174.93M
Net Cash	68.45M
Net Cash Per Share	0.55
Equity (Book Value)	1.70B
Book Value Per Share	13.76
Working Capital	-400.09M

Cash Flow

In the last 12 months, operating cash flow was -295.00 million and capital expenditures -42.07 million, giving a free cash flow of -337.07 million.

Operating Cash Flow	-295.00M
Capital Expenditures	-42.07M
Free Cash Flow	-337.07M
FCF Per Share	-2.72

Margins

Gross margin is 26.62%, with operating and profit margins of 13.52% and 8.69%.

Gross Margin	26.62%
Operating Margin	13.52%
Pretax Margin	12.90%
Profit Margin	8.69%
EBITDA Margin	13.88%
EBIT Margin	13.52%
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 0.63, which amounts to a dividend yield of 6.74%.

Dividend Per Share	0.63
Dividend Yield	6.74%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	45.74%
Buyback Yield	n/a
Shareholder Yield	6.74%
Earnings Yield	14.33%
FCF Yield	-29.35%

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