Premier Insurance Limited (PSX:PINL)

Premier Insurance Statistics

Total Valuation

PSX:PINL has a market cap or net worth of PKR 419.18 million. The enterprise value is 406.62 million.

Market Cap	419.18M
Enterprise Value	406.62M

Important Dates

The last earnings date was Tuesday, August 26, 2025.

Earnings Date	Aug 26, 2025
Ex-Dividend Date	n/a

Share Statistics

PSX:PINL has 50.57 million shares outstanding.

Current Share Class	50.57M
Shares Outstanding	50.57M
Shares Change (YoY)	n/a
Shares Change (QoQ)	n/a
Owned by Insiders (%)	5.38%
Owned by Institutions (%)	10.91%
Float	28.98M

Valuation Ratios

The trailing PE ratio is 3.92.

PE Ratio	3.92
Forward PE	n/a
PS Ratio	0.79
PB Ratio	0.38
P/TBV Ratio	0.38
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 3.56, with an EV/FCF ratio of -2.60.

EV / Earnings	3.80
EV / Sales	0.77
EV / EBITDA	3.56
EV / EBIT	3.79
EV / FCF	-2.60

Financial Position

The company has a current ratio of 0.54, with a Debt / Equity ratio of 0.01.

Current Ratio	0.54
Quick Ratio	0.22
Debt / Equity	0.01
Debt / EBITDA	0.10
Debt / FCF	-0.07
Interest Coverage	39.00

Financial Efficiency

Return on equity (ROE) is 10.08% and return on invested capital (ROIC) is 5.48%.

Return on Equity (ROE)	10.08%
Return on Assets (ROA)	2.08%
Return on Invested Capital (ROIC)	5.48%
Return on Capital Employed (ROCE)	5.52%
Revenue Per Employee	6.45M
Profits Per Employee	1.31M
Employee Count	82
Asset Turnover	0.19
Inventory Turnover	n/a

Taxes

In the past 12 months, PSX:PINL has paid 4.17 million in taxes.

Income Tax	4.17M
Effective Tax Rate	3.75%

Stock Price Statistics

The stock price has increased by +29.43% in the last 52 weeks. The beta is 0.78, so PSX:PINL's price volatility has been lower than the market average.

Beta (5Y)	0.78
52-Week Price Change	+29.43%
50-Day Moving Average	8.96
200-Day Moving Average	6.44
Relative Strength Index (RSI)	43.73
Average Volume (20 Days)	335,342

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:PINL had revenue of PKR 529.05 million and earned 107.02 million in profits. Earnings per share was 2.12.

Revenue	529.05M
Gross Profit	361.60M
Operating Income	93.79M
Pretax Income	111.19M
Net Income	107.02M
EBITDA	99.66M
EBIT	93.79M
Earnings Per Share (EPS)	2.12

Balance Sheet

The company has 23.08 million in cash and 10.51 million in debt, giving a net cash position of 12.57 million or 0.25 per share.

Cash & Cash Equivalents	23.08M
Total Debt	10.51M
Net Cash	12.57M
Net Cash Per Share	0.25
Equity (Book Value)	1.12B
Book Value Per Share	22.06
Working Capital	-659.31M

Cash Flow

In the last 12 months, operating cash flow was -150.87 million and capital expenditures -5.54 million, giving a free cash flow of -156.41 million.

Operating Cash Flow	-150.87M
Capital Expenditures	-5.54M
Free Cash Flow	-156.41M
FCF Per Share	-3.09

Margins

Gross margin is 68.35%, with operating and profit margins of 17.73% and 20.23%.

Gross Margin	68.35%
Operating Margin	17.73%
Pretax Margin	21.02%
Profit Margin	20.23%
EBITDA Margin	18.84%
EBIT Margin	17.73%
FCF Margin	n/a

Dividends & Yields

PSX:PINL 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	n/a
Shareholder Yield	n/a
Earnings Yield	25.53%
FCF Yield	-37.31%

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 17, 2017. It was a forward split with a ratio of 1.1.

Last Split Date	Nov 17, 2017
Split Type	Forward
Split Ratio	1.1

Scores

Altman Z-Score	n/a
Piotroski F-Score	4