Premier Insurance Limited (PSX:PINL)

Premier Insurance Statistics

Total Valuation

PSX:PINL has a market cap or net worth of PKR 467.73 million. The enterprise value is 466.81 million.

Market Cap	467.73M
Enterprise Value	466.81M

Important Dates

The next estimated earnings date is Wednesday, August 26, 2026.

Earnings Date	Aug 26, 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 (%)	11.87%
Float	30.06M

Valuation Ratios

The trailing PE ratio is 2.40.

PE Ratio	2.40
Forward PE	n/a
PS Ratio	0.81
PB Ratio	0.43
P/TBV Ratio	0.43
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 2.41, with an EV/FCF ratio of -1.47.

EV / Earnings	2.39
EV / Sales	0.81
EV / EBITDA	2.41
EV / EBIT	2.51
EV / FCF	-1.47

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	0.04
Debt / FCF	-0.03
Interest Coverage	95.52

Financial Efficiency

Return on equity (ROE) is 17.26% and return on invested capital (ROIC) is 14.52%.

Return on Equity (ROE)	17.26%
Return on Assets (ROA)	3.80%
Return on Invested Capital (ROIC)	14.52%
Return on Capital Employed (ROCE)	10.71%
Weighted Average Cost of Capital (WACC)	9.13%
Revenue Per Employee	6.44M
Profits Per Employee	2.17M
Employee Count	90
Asset Turnover	0.19
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	4.60%

Stock Price Statistics

The stock price has increased by +70.04% in the last 52 weeks. The beta is 0.85, so PSX:PINL's price volatility has been lower than the market average.

Beta (5Y)	0.85
52-Week Price Change	+70.04%
50-Day Moving Average	8.31
200-Day Moving Average	9.10
Relative Strength Index (RSI)	56.02
Average Volume (20 Days)	44,876

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 579.46 million and earned 195.22 million in profits. Earnings per share was 3.86.

Revenue	579.46M
Gross Profit	377.94M
Operating Income	183.49M
Pretax Income	204.62M
Net Income	195.22M
EBITDA	189.93M
EBIT	183.49M
Earnings Per Share (EPS)	3.86

Balance Sheet

The company has 9.38 million in cash and 8.46 million in debt, with a net cash position of 914,000 or 0.02 per share.

Cash & Cash Equivalents	9.38M
Total Debt	8.46M
Net Cash	914,000
Net Cash Per Share	0.02
Equity (Book Value)	1.10B
Book Value Per Share	21.76
Working Capital	-541.74M

Cash Flow

In the last 12 months, operating cash flow was -303.17 million and capital expenditures -14.82 million, giving a free cash flow of -317.99 million.

Operating Cash Flow	-303.17M
Capital Expenditures	-14.82M
Depreciation & Amortization	n/a
Net Borrowing	2.77M
Free Cash Flow	-317.99M
FCF Per Share	-6.29

Margins

Gross margin is 65.22%, with operating and profit margins of 31.67% and 33.69%.

Gross Margin	65.22%
Operating Margin	31.67%
Pretax Margin	35.31%
Profit Margin	33.69%
EBITDA Margin	32.78%
EBIT Margin	31.67%
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	0.00%
Buyback Yield	n/a
Shareholder Yield	n/a
Earnings Yield	41.74%
FCF Yield	-67.99%

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