Reliance Insurance Company Limited (PSX:RICL)

PSX:RICL Statistics

Total Valuation

PSX:RICL has a market cap or net worth of PKR 1.63 billion. The enterprise value is 1.47 billion.

Market Cap	1.63B
Enterprise Value	1.47B

Important Dates

The next estimated earnings date is Wednesday, October 29, 2025.

Earnings Date	Oct 29, 2025
Ex-Dividend Date	n/a

Share Statistics

PSX:RICL has 100.47 million shares outstanding.

Current Share Class	100.47M
Shares Outstanding	100.47M
Shares Change (YoY)	n/a
Shares Change (QoQ)	+0.79%
Owned by Insiders (%)	28.26%
Owned by Institutions (%)	1.21%
Float	44.75M

Valuation Ratios

The trailing PE ratio is 6.71.

PE Ratio	6.71
Forward PE	n/a
PS Ratio	1.71
PB Ratio	0.95
P/TBV Ratio	0.95
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 3.65, with an EV/FCF ratio of -6.65.

EV / Earnings	6.04
EV / Sales	1.54
EV / EBITDA	3.65
EV / EBIT	3.81
EV / FCF	-6.65

Financial Position

The company has a current ratio of 1.90

Current Ratio	1.90
Quick Ratio	1.43
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 15.61% and return on invested capital (ROIC) is 15.46%.

Return on Equity (ROE)	15.61%
Return on Assets (ROA)	8.34%
Return on Invested Capital (ROIC)	15.46%
Return on Capital Employed (ROCE)	18.33%
Revenue Per Employee	5.02M
Profits Per Employee	1.28M
Employee Count	190
Asset Turnover	0.33
Inventory Turnover	n/a

Taxes

In the past 12 months, PSX:RICL has paid 148.15 million in taxes.

Income Tax	148.15M
Effective Tax Rate	37.87%

Stock Price Statistics

The stock price has increased by +112.19% in the last 52 weeks. The beta is 0.36, so PSX:RICL's price volatility has been lower than the market average.

Beta (5Y)	0.36
52-Week Price Change	+112.19%
50-Day Moving Average	16.25
200-Day Moving Average	11.34
Relative Strength Index (RSI)	45.98
Average Volume (20 Days)	25,512

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:RICL had revenue of PKR 953.16 million and earned 243.09 million in profits. Earnings per share was 2.42.

Revenue	953.16M
Gross Profit	667.19M
Operating Income	385.31M
Pretax Income	391.24M
Net Income	243.09M
EBITDA	402.57M
EBIT	385.31M
Earnings Per Share (EPS)	2.42

Balance Sheet

The company has 830.37 million in cash and n/a in debt, giving a net cash position of 163.33 million or 1.63 per share.

Cash & Cash Equivalents	830.37M
Total Debt	n/a
Net Cash	163.33M
Net Cash Per Share	1.63
Equity (Book Value)	1.72B
Book Value Per Share	17.15
Working Capital	1.03B

Cash Flow

In the last 12 months, operating cash flow was -171.83 million and capital expenditures -48.86 million, giving a free cash flow of -220.69 million.

Operating Cash Flow	-171.83M
Capital Expenditures	-48.86M
Free Cash Flow	-220.69M
FCF Per Share	-2.20

Margins

Gross margin is 70.00%, with operating and profit margins of 40.42% and 25.50%.

Gross Margin	70.00%
Operating Margin	40.42%
Pretax Margin	41.05%
Profit Margin	25.50%
EBITDA Margin	42.24%
EBIT Margin	40.42%
FCF Margin	n/a

Dividends & Yields

PSX:RICL 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	14.90%
FCF Yield	-13.53%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on May 6, 2025. It was a forward split with a ratio of 1.51.

Last Split Date	May 6, 2025
Split Type	Forward
Split Ratio	1.51

Scores

Altman Z-Score	n/a
Piotroski F-Score	3