Premier Insurance Limited (PSX:PINL)

Premier Insurance Statistics

Total Valuation

PSX:PINL has a market cap or net worth of PKR 437.39 million. The enterprise value is 421.91 million.

Market Cap	437.39M
Enterprise Value	421.91M

Important Dates

The last earnings date was Tuesday, April 28, 2026.

Earnings Date	Apr 28, 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 (%)	11.41%
Float	30.06M

Valuation Ratios

The trailing PE ratio is 3.57.

PE Ratio	3.57
Forward PE	n/a
PS Ratio	0.83
PB Ratio	0.34
P/TBV Ratio	0.34
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 3.16, with an EV/FCF ratio of -3.55.

EV / Earnings	3.44
EV / Sales	0.80
EV / EBITDA	3.16
EV / EBIT	3.37
EV / FCF	-3.55

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	0.23
Debt / Equity	0.01
Debt / EBITDA	0.07
Debt / FCF	-0.08
Interest Coverage	58.09

Financial Efficiency

Return on equity (ROE) is 9.84% and return on invested capital (ROIC) is 8.86%.

Return on Equity (ROE)	9.84%
Return on Assets (ROA)	2.30%
Return on Invested Capital (ROIC)	8.86%
Return on Capital Employed (ROCE)	6.77%
Weighted Average Cost of Capital (WACC)	8.88%
Revenue Per Employee	5.85M
Profits Per Employee	1.36M
Employee Count	90
Asset Turnover	0.16
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 +54.73% in the last 52 weeks. The beta is 0.79, so PSX:PINL's price volatility has been lower than the market average.

Beta (5Y)	0.79
52-Week Price Change	+54.73%
50-Day Moving Average	8.02
200-Day Moving Average	9.13
Relative Strength Index (RSI)	55.24
Average Volume (20 Days)	198,075

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

Revenue	526.09M
Gross Profit	314.32M
Operating Income	122.68M
Pretax Income	132.08M
Net Income	122.67M
EBITDA	129.45M
EBIT	122.68M
Earnings Per Share (EPS)	2.43

Balance Sheet

The company has 24.66 million in cash and 9.18 million in debt, with a net cash position of 15.48 million or 0.31 per share.

Cash & Cash Equivalents	24.66M
Total Debt	9.18M
Net Cash	15.48M
Net Cash Per Share	0.31
Equity (Book Value)	1.29B
Book Value Per Share	25.57
Working Capital	-710.14M

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 59.75%, with operating and profit margins of 23.32% and 23.32%.

Gross Margin	59.75%
Operating Margin	23.32%
Pretax Margin	25.11%
Profit Margin	23.32%
EBITDA Margin	24.61%
EBIT Margin	23.32%
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	28.05%
FCF Yield	-27.18%

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