IGI Life Insurance Limited (PSX:IGIL)

IGI Life Insurance Statistics

Total Valuation

PSX:IGIL has a market cap or net worth of PKR 3.49 billion. The enterprise value is 1.86 billion.

Market Cap	3.49B
Enterprise Value	1.86B

Important Dates

The last earnings date was Monday, October 27, 2025.

Earnings Date	Oct 27, 2025
Ex-Dividend Date	n/a

Share Statistics

PSX:IGIL has 170.57 million shares outstanding. The number of shares has increased by 0.21% in one year.

Current Share Class	170.57M
Shares Outstanding	170.57M
Shares Change (YoY)	+0.21%
Shares Change (QoQ)	+0.50%
Owned by Insiders (%)	0.86%
Owned by Institutions (%)	n/a
Float	28.05M

Valuation Ratios

The trailing PE ratio is 10.46.

PE Ratio	10.46
Forward PE	n/a
PS Ratio	0.19
PB Ratio	1.37
P/TBV Ratio	1.63
P/FCF Ratio	5.18
P/OCF Ratio	3.80
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 3.35, with an EV/FCF ratio of 2.76.

EV / Earnings	5.56
EV / Sales	0.10
EV / EBITDA	3.35
EV / EBIT	3.83
EV / FCF	2.76

Financial Position

The company has a current ratio of 2.57, with a Debt / Equity ratio of 0.01.

Current Ratio	2.57
Quick Ratio	2.46
Debt / Equity	0.01
Debt / EBITDA	0.04
Debt / FCF	0.03
Interest Coverage	55.45

Financial Efficiency

Return on equity (ROE) is 14.17% and return on invested capital (ROIC) is 12.77%.

Return on Equity (ROE)	14.17%
Return on Assets (ROA)	0.77%
Return on Invested Capital (ROIC)	12.77%
Return on Capital Employed (ROCE)	1.16%
Revenue Per Employee	111.57M
Profits Per Employee	2.01M
Employee Count	166
Asset Turnover	0.47
Inventory Turnover	n/a

Taxes

In the past 12 months, PSX:IGIL has paid 153.64 million in taxes.

Income Tax	153.64M
Effective Tax Rate	31.50%

Stock Price Statistics

The stock price has increased by +46.39% in the last 52 weeks. The beta is 0.98, so PSX:IGIL's price volatility has been similar to the market average.

Beta (5Y)	0.98
52-Week Price Change	+46.39%
50-Day Moving Average	20.29
200-Day Moving Average	18.74
Relative Strength Index (RSI)	55.06
Average Volume (20 Days)	5,479

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:IGIL had revenue of PKR 18.52 billion and earned 334.07 million in profits. Earnings per share was 1.96.

Revenue	18.52B
Gross Profit	1.52B
Operating Income	485.48M
Pretax Income	487.71M
Net Income	334.07M
EBITDA	518.40M
EBIT	485.48M
Earnings Per Share (EPS)	1.96

Balance Sheet

The company has 1.66 billion in cash and 20.28 million in debt, giving a net cash position of 1.64 billion or 9.59 per share.

Cash & Cash Equivalents	1.66B
Total Debt	20.28M
Net Cash	1.64B
Net Cash Per Share	9.59
Equity (Book Value)	2.55B
Book Value Per Share	14.93
Working Capital	2.28B

Cash Flow

In the last 12 months, operating cash flow was 918.87 million and capital expenditures -244.80 million, giving a free cash flow of 674.07 million.

Operating Cash Flow	918.87M
Capital Expenditures	-244.80M
Free Cash Flow	674.07M
FCF Per Share	3.95

Margins

Gross margin is 8.22%, with operating and profit margins of 2.62% and 1.80%.

Gross Margin	8.22%
Operating Margin	2.62%
Pretax Margin	2.63%
Profit Margin	1.80%
EBITDA Margin	2.80%
EBIT Margin	2.62%
FCF Margin	3.64%

Dividends & Yields

PSX:IGIL does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	-0.21%
Shareholder Yield	-0.21%
Earnings Yield	9.56%
FCF Yield	19.30%

Fair Value

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

Lynch Fair Value	n/a
Lynch Upside	n/a
Graham Number
Graham Upside

Stock Splits

The last stock split was on November 29, 2017. It was a forward split with a ratio of 1.08.

Last Split Date	Nov 29, 2017
Split Type	Forward
Split Ratio	1.08

Scores

Altman Z-Score	n/a
Piotroski F-Score	5