Premier Insurance Limited (PSX:PINL)

Premier Insurance Statistics

Total Valuation

PSX:PINL has a market cap or net worth of PKR 505.65 million. The enterprise value is 498.24 million.

Market Cap	505.65M
Enterprise Value	498.24M

Important Dates

The next estimated earnings date is Wednesday, March 25, 2026.

Earnings Date	Mar 25, 2026
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 3.72.

PE Ratio	3.72
Forward PE	n/a
PS Ratio	0.91
PB Ratio	0.40
P/TBV Ratio	0.40
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 3.03, with an EV/FCF ratio of -2.45.

EV / Earnings	3.66
EV / Sales	0.89
EV / EBITDA	3.03
EV / EBIT	3.17
EV / FCF	-2.45

Financial Position

The company has a current ratio of 0.62, with a Debt / Equity ratio of 0.01.

Current Ratio	0.62
Quick Ratio	0.27
Debt / Equity	0.01
Debt / EBITDA	0.06
Debt / FCF	-0.05
Interest Coverage	57.80

Financial Efficiency

Return on equity (ROE) is 12.05% and return on invested capital (ROIC) is 8.16%.

Return on Equity (ROE)	12.05%
Return on Assets (ROA)	2.89%
Return on Invested Capital (ROIC)	8.16%
Return on Capital Employed (ROCE)	7.89%
Revenue Per Employee	6.79M
Profits Per Employee	1.66M
Employee Count	82
Asset Turnover	0.17
Inventory Turnover	n/a

Taxes

In the past 12 months, PSX:PINL has paid 16.16 million in taxes.

Income Tax	16.16M
Effective Tax Rate	10.63%

Stock Price Statistics

The stock price has increased by +78.57% in the last 52 weeks. The beta is 0.89, so PSX:PINL's price volatility has been lower than the market average.

Beta (5Y)	0.89
52-Week Price Change	+78.57%
50-Day Moving Average	9.07
200-Day Moving Average	7.32
Relative Strength Index (RSI)	50.82
Average Volume (20 Days)	370,863

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 556.75 million and earned 135.95 million in profits. Earnings per share was 2.69.

Revenue	556.75M
Gross Profit	352.70M
Operating Income	148.77M
Pretax Income	152.12M
Net Income	135.95M
EBITDA	154.76M
EBIT	148.77M
Earnings Per Share (EPS)	2.69

Balance Sheet

The company has 17.27 million in cash and 9.86 million in debt, giving a net cash position of 7.41 million or 0.15 per share.

Cash & Cash Equivalents	17.27M
Total Debt	9.86M
Net Cash	7.41M
Net Cash Per Share	0.15
Equity (Book Value)	1.26B
Book Value Per Share	24.94
Working Capital	-631.68M

Cash Flow

In the last 12 months, operating cash flow was -206.93 million and capital expenditures 3.83 million, giving a free cash flow of -203.10 million.

Operating Cash Flow	-206.93M
Capital Expenditures	3.83M
Free Cash Flow	-203.10M
FCF Per Share	-4.02

Margins

Gross margin is 63.35%, with operating and profit margins of 26.72% and 24.42%.

Gross Margin	63.35%
Operating Margin	26.72%
Pretax Margin	27.32%
Profit Margin	24.42%
EBITDA Margin	27.80%
EBIT Margin	26.72%
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	26.89%
FCF Yield	-40.17%

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	3