Reliance Insurance Company Limited (PSX:RICL)

PSX:RICL Statistics

Total Valuation

PSX:RICL has a market cap or net worth of PKR 1.61 billion. The enterprise value is 1.40 billion.

Market Cap	1.61B
Enterprise Value	1.40B

Important Dates

The next estimated earnings date is Wednesday, January 28, 2026.

Earnings Date	Jan 28, 2026
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)	-0.85%
Owned by Insiders (%)	28.26%
Owned by Institutions (%)	1.21%
Float	44.75M

Valuation Ratios

The trailing PE ratio is 3.94.

PE Ratio	3.94
Forward PE	n/a
PS Ratio	1.33
PB Ratio	0.81
P/TBV Ratio	0.81
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 2.20, with an EV/FCF ratio of -6.34.

EV / Earnings	3.43
EV / Sales	1.16
EV / EBITDA	2.20
EV / EBIT	2.26
EV / FCF	-6.34

Financial Position

The company has a current ratio of 2.06

Current Ratio	2.06
Quick Ratio	1.55
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 23.90% and return on invested capital (ROIC) is 22.64%.

Return on Equity (ROE)	23.90%
Return on Assets (ROA)	12.42%
Return on Invested Capital (ROIC)	22.64%
Return on Capital Employed (ROCE)	25.19%
Revenue Per Employee	6.34M
Profits Per Employee	2.15M
Employee Count	190
Asset Turnover	0.39
Inventory Turnover	n/a

Taxes

In the past 12 months, PSX:RICL has paid 216.44 million in taxes.

Income Tax	216.44M
Effective Tax Rate	34.67%

Stock Price Statistics

The stock price has increased by +109.73% in the last 52 weeks. The beta is 0.37, so PSX:RICL's price volatility has been lower than the market average.

Beta (5Y)	0.37
52-Week Price Change	+109.73%
50-Day Moving Average	16.86
200-Day Moving Average	12.59
Relative Strength Index (RSI)	41.63
Average Volume (20 Days)	13,868

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 1.20 billion and earned 407.76 million in profits. Earnings per share was 4.06.

Revenue	1.20B
Gross Profit	918.57M
Operating Income	618.22M
Pretax Income	624.20M
Net Income	407.76M
EBITDA	636.79M
EBIT	618.22M
Earnings Per Share (EPS)	4.06

Balance Sheet

The company has 1.07 billion in cash and n/a in debt, giving a net cash position of 207.33 million or 2.06 per share.

Cash & Cash Equivalents	1.07B
Total Debt	n/a
Net Cash	207.33M
Net Cash Per Share	2.06
Equity (Book Value)	1.97B
Book Value Per Share	19.63
Working Capital	1.29B

Cash Flow

In the last 12 months, operating cash flow was -162.12 million and capital expenditures -58.70 million, giving a free cash flow of -220.82 million.

Operating Cash Flow	-162.12M
Capital Expenditures	-58.70M
Free Cash Flow	-220.82M
FCF Per Share	-2.20

Margins

Gross margin is 76.26%, with operating and profit margins of 51.32% and 33.85%.

Gross Margin	76.26%
Operating Margin	51.32%
Pretax Margin	51.82%
Profit Margin	33.85%
EBITDA Margin	52.87%
EBIT Margin	51.32%
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	0.19%
Buyback Yield	n/a
Shareholder Yield	n/a
Earnings Yield	25.37%
FCF Yield	-13.74%

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