TPL Insurance Limited (PSX:TPLI)

TPL Insurance Statistics

Total Valuation

TPL Insurance has a market cap or net worth of PKR 3.70 billion. The enterprise value is -390.50 million.

Market Cap	3.70B
Enterprise Value	-390.50M

Important Dates

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

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

Share Statistics

TPL Insurance has 198.39 million shares outstanding. The number of shares has decreased by -1.76% in one year.

Current Share Class	198.39M
Shares Outstanding	198.39M
Shares Change (YoY)	-1.76%
Shares Change (QoQ)	+0.16%
Owned by Insiders (%)	1.44%
Owned by Institutions (%)	3.44%
Float	19.46M

Valuation Ratios

The trailing PE ratio is 169.09.

PE Ratio	169.09
Forward PE	n/a
PS Ratio	0.89
PB Ratio	1.38
P/TBV Ratio	1.39
P/FCF Ratio	13.17
P/OCF Ratio	8.50
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	-18.23
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	-1.39

Financial Position

The company has a current ratio of 1.38, with a Debt / Equity ratio of 0.04.

Current Ratio	1.38
Quick Ratio	1.08
Debt / Equity	0.04
Debt / EBITDA	0.25
Debt / FCF	0.34
Interest Coverage	5.17

Financial Efficiency

Return on equity (ROE) is 0.80% and return on invested capital (ROIC) is 2.40%.

Return on Equity (ROE)	0.80%
Return on Assets (ROA)	0.82%
Return on Invested Capital (ROIC)	2.40%
Return on Capital Employed (ROCE)	3.18%
Revenue Per Employee	11.16M
Profits Per Employee	57,593
Employee Count	372
Asset Turnover	0.51
Inventory Turnover	n/a

Taxes

In the past 12 months, TPL Insurance has paid 59.74 million in taxes.

Income Tax	59.74M
Effective Tax Rate	73.60%

Stock Price Statistics

The stock price has increased by +91.55% in the last 52 weeks. The beta is -0.18, so TPL Insurance's price volatility has been lower than the market average.

Beta (5Y)	-0.18
52-Week Price Change	+91.55%
50-Day Moving Average	16.01
200-Day Moving Average	10.93
Relative Strength Index (RSI)	60.62
Average Volume (20 Days)	499,691

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, TPL Insurance had revenue of PKR 4.15 billion and earned 21.42 million in profits. Earnings per share was 0.11.

Revenue	4.15B
Gross Profit	1.89B
Operating Income	106.86M
Pretax Income	81.17M
Net Income	21.42M
EBITDA	265.05M
EBIT	106.86M
Earnings Per Share (EPS)	0.11

Balance Sheet

The company has 4.19 billion in cash and 95.53 million in debt, giving a net cash position of 4.09 billion or 20.62 per share.

Cash & Cash Equivalents	4.19B
Total Debt	95.53M
Net Cash	4.09B
Net Cash Per Share	20.62
Equity (Book Value)	2.68B
Book Value Per Share	13.75
Working Capital	1.93B

Cash Flow

In the last 12 months, operating cash flow was 435.31 million and capital expenditures -154.44 million, giving a free cash flow of 280.87 million.

Operating Cash Flow	435.31M
Capital Expenditures	-154.44M
Free Cash Flow	280.87M
FCF Per Share	1.42

Margins

Gross margin is 45.55%, with operating and profit margins of 2.57% and 0.52%.

Gross Margin	45.55%
Operating Margin	2.57%
Pretax Margin	1.96%
Profit Margin	0.52%
EBITDA Margin	6.39%
EBIT Margin	2.57%
FCF Margin	6.77%

Dividends & Yields

TPL Insurance 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	141.71%
Buyback Yield	1.76%
Shareholder Yield	1.76%
Earnings Yield	0.58%
FCF Yield	7.59%

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 October 27, 2022. It was a forward split with a ratio of 1.35.

Last Split Date	Oct 27, 2022
Split Type	Forward
Split Ratio	1.35

Scores

Altman Z-Score	n/a
Piotroski F-Score	4