Habib Insurance Company Limited (PSX:HICL)

Habib Insurance Company Statistics

Total Valuation

PSX:HICL has a market cap or net worth of PKR 1.30 billion. The enterprise value is 1.26 billion.

Market Cap	1.30B
Enterprise Value	1.26B

Important Dates

The last earnings date was Friday, March 27, 2026.

Earnings Date	Mar 27, 2026
Ex-Dividend Date	Apr 9, 2026

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 (%)	4.71%
Owned by Institutions (%)	n/a
Float	112.30M

Valuation Ratios

The trailing PE ratio is 10.99.

PE Ratio	10.99
Forward PE	n/a
PS Ratio	0.60
PB Ratio	0.55
P/TBV Ratio	0.55
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 6.17, with an EV/FCF ratio of -6.93.

EV / Earnings	10.71
EV / Sales	0.59
EV / EBITDA	6.17
EV / EBIT	7.22
EV / FCF	-6.93

Financial Position

The company has a current ratio of 0.84, with a Debt / Equity ratio of 0.03.

Current Ratio	0.84
Quick Ratio	0.21
Debt / Equity	0.03
Debt / EBITDA	0.35
Debt / FCF	-0.40
Interest Coverage	28.83

Financial Efficiency

Return on equity (ROE) is 5.34% and return on invested capital (ROIC) is 4.85%.

Return on Equity (ROE)	5.34%
Return on Assets (ROA)	1.53%
Return on Invested Capital (ROIC)	4.85%
Return on Capital Employed (ROCE)	5.53%
Weighted Average Cost of Capital (WACC)	5.97%
Revenue Per Employee	9.71M
Profits Per Employee	534,086
Employee Count	233
Asset Turnover	0.30
Inventory Turnover	n/a

Taxes

In the past 12 months, PSX:HICL has paid 51.01 million in taxes.

Income Tax	51.01M
Effective Tax Rate	30.18%

Stock Price Statistics

The stock price has increased by +32.53% in the last 52 weeks. The beta is 0.31, so PSX:HICL's price volatility has been lower than the market average.

Beta (5Y)	0.31
52-Week Price Change	+32.53%
50-Day Moving Average	11.41
200-Day Moving Average	12.82
Relative Strength Index (RSI)	43.97
Average Volume (20 Days)	78,693

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 2.15 billion and earned 118.03 million in profits. Earnings per share was 0.95.

Revenue	2.15B
Gross Profit	506.73M
Operating Income	175.04M
Pretax Income	169.04M
Net Income	118.03M
EBITDA	191.18M
EBIT	175.04M
Earnings Per Share (EPS)	0.95

Balance Sheet

The company has 105.04 million in cash and 72.35 million in debt, with a net cash position of 32.69 million or 0.26 per share.

Cash & Cash Equivalents	105.04M
Total Debt	72.35M
Net Cash	32.69M
Net Cash Per Share	0.26
Equity (Book Value)	2.37B
Book Value Per Share	19.12
Working Capital	-748.25M

Cash Flow

In the last 12 months, operating cash flow was -153.05 million and capital expenditures -29.33 million, giving a free cash flow of -182.38 million.

Operating Cash Flow	-153.05M
Capital Expenditures	-29.33M
Depreciation & Amortization	n/a
Net Borrowing	-22.30M
Free Cash Flow	-182.38M
FCF Per Share	-1.47

Margins

Gross margin is 23.61%, with operating and profit margins of 8.16% and 5.50%.

Gross Margin	23.61%
Operating Margin	8.16%
Pretax Margin	7.88%
Profit Margin	5.50%
EBITDA Margin	8.91%
EBIT Margin	8.16%
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 0.63, which amounts to a dividend yield of 5.95%.

Dividend Per Share	0.63
Dividend Yield	5.95%
Dividend Growth (YoY)	-37.50%
Years of Dividend Growth	1
Payout Ratio	102.27%
Buyback Yield	n/a
Shareholder Yield	5.95%
Earnings Yield	9.10%
FCF Yield	-14.06%

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