Premier Insurance Limited (PSX:PINL)

Premier Insurance Statistics

Total Valuation

PSX:PINL has a market cap or net worth of PKR 379.74 million. The enterprise value is 369.88 million.

Market Cap	379.74M
Enterprise Value	369.88M

Important Dates

The last earnings date was Wednesday, March 25, 2026.

Earnings Date	Mar 25, 2026
Ex-Dividend Date	n/a

Share Statistics

PSX:PINL has 50.57 million shares outstanding. The number of shares has decreased by -0.17% in one year.

Current Share Class	50.57M
Shares Outstanding	50.57M
Shares Change (YoY)	-0.17%
Shares Change (QoQ)	-0.67%
Owned by Insiders (%)	5.38%
Owned by Institutions (%)	10.91%
Float	28.98M

Valuation Ratios

The trailing PE ratio is 3.09.

PE Ratio	3.09
Forward PE	n/a
PS Ratio	0.72
PB Ratio	0.29
P/TBV Ratio	0.29
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 2.60, with an EV/FCF ratio of -3.11.

EV / Earnings	3.02
EV / Sales	0.70
EV / EBITDA	2.60
EV / EBIT	2.76
EV / FCF	-3.11

Financial Position

The company has a current ratio of 0.53, with a Debt / Equity ratio of 0.00.

Current Ratio	0.53
Quick Ratio	0.31
Debt / Equity	0.00
Debt / EBITDA	0.03
Debt / FCF	-0.03
Interest Coverage	62.31

Financial Efficiency

Return on equity (ROE) is 9.84% and return on invested capital (ROIC) is 9.52%.

Return on Equity (ROE)	9.84%
Return on Assets (ROA)	2.59%
Return on Invested Capital (ROIC)	9.52%
Return on Capital Employed (ROCE)	6.41%
Weighted Average Cost of Capital (WACC)	8.56%
Revenue Per Employee	6.44M
Profits Per Employee	1.50M
Employee Count	82
Asset Turnover	0.17
Inventory Turnover	n/a

Taxes

In the past 12 months, PSX:PINL has paid 9.41 million in taxes.

Income Tax	9.41M
Effective Tax Rate	7.13%

Stock Price Statistics

The stock price has increased by +36.79% in the last 52 weeks. The beta is 0.71, so PSX:PINL's price volatility has been lower than the market average.

Beta (5Y)	0.71
52-Week Price Change	+36.79%
50-Day Moving Average	8.89
200-Day Moving Average	8.99
Relative Strength Index (RSI)	44.85
Average Volume (20 Days)	127,200

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 527.87 million and earned 122.67 million in profits. Earnings per share was 2.43.

Revenue	527.87M
Gross Profit	371.66M
Operating Income	131.60M
Pretax Income	132.08M
Net Income	122.67M
EBITDA	139.78M
EBIT	131.60M
Earnings Per Share (EPS)	2.43

Balance Sheet

The company has 13.92 million in cash and 4.05 million in debt, with a net cash position of 9.87 million or 0.20 per share.

Cash & Cash Equivalents	13.92M
Total Debt	4.05M
Net Cash	9.87M
Net Cash Per Share	0.20
Equity (Book Value)	1.29B
Book Value Per Share	25.75
Working Capital	-610.01M

Cash Flow

In the last 12 months, operating cash flow was -109.54 million and capital expenditures -9.35 million, giving a free cash flow of -118.89 million.

Operating Cash Flow	-109.54M
Capital Expenditures	-9.35M
Depreciation & Amortization	n/a
Net Borrowing	2.77M
Free Cash Flow	-118.89M
FCF Per Share	-2.35

Margins

Gross margin is 70.41%, with operating and profit margins of 24.93% and 23.24%.

Gross Margin	70.41%
Operating Margin	24.93%
Pretax Margin	25.02%
Profit Margin	23.24%
EBITDA Margin	26.48%
EBIT Margin	24.93%
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	0.17%
Shareholder Yield	0.17%
Earnings Yield	32.30%
FCF Yield	-31.31%

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	2