TPL Insurance Limited (PSX:TPLI)

TPL Insurance Statistics

Total Valuation

TPL Insurance has a market cap or net worth of PKR 4.31 billion. The enterprise value is 163.38 million.

Market Cap	4.31B
Enterprise Value	163.38M

Important Dates

The next estimated earnings date is Thursday, February 26, 2026.

Earnings Date	Feb 26, 2026
Ex-Dividend Date	n/a

Share Statistics

TPL Insurance has 198.64 million shares outstanding. The number of shares has decreased by -3.81% in one year.

Current Share Class	198.64M
Shares Outstanding	198.64M
Shares Change (YoY)	-3.81%
Shares Change (QoQ)	-4.73%
Owned by Insiders (%)	1.44%
Owned by Institutions (%)	3.43%
Float	19.71M

Valuation Ratios

The trailing PE ratio is 69.35.

PE Ratio	69.35
Forward PE	n/a
PS Ratio	0.98
PB Ratio	1.59
P/TBV Ratio	1.59
P/FCF Ratio	25.94
P/OCF Ratio	15.42
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 0.42, with an EV/FCF ratio of 0.98.

EV / Earnings	2.78
EV / Sales	0.04
EV / EBITDA	0.42
EV / EBIT	1.19
EV / FCF	0.98

Financial Position

The company has a current ratio of 1.36, with a Debt / Equity ratio of 0.01.

Current Ratio	1.36
Quick Ratio	1.07
Debt / Equity	0.01
Debt / EBITDA	0.07
Debt / FCF	0.16
Interest Coverage	8.53

Financial Efficiency

Return on equity (ROE) is 2.21% and return on invested capital (ROIC) is 2.52%.

Return on Equity (ROE)	2.21%
Return on Assets (ROA)	1.03%
Return on Invested Capital (ROIC)	2.52%
Return on Capital Employed (ROCE)	4.22%
Weighted Average Cost of Capital (WACC)	3.52%
Revenue Per Employee	11.76M
Profits Per Employee	158,187
Employee Count	372
Asset Turnover	0.53
Inventory Turnover	n/a

Taxes

In the past 12 months, TPL Insurance has paid 57.29 million in taxes.

Income Tax	57.29M
Effective Tax Rate	49.33%

Stock Price Statistics

The stock price has increased by +116.90% in the last 52 weeks. The beta is -0.16, so TPL Insurance's price volatility has been lower than the market average.

Beta (5Y)	-0.16
52-Week Price Change	+116.90%
50-Day Moving Average	22.66
200-Day Moving Average	16.51
Relative Strength Index (RSI)	44.28
Average Volume (20 Days)	110,108

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 4.38 billion and earned 58.85 million in profits. Earnings per share was 0.31.

Revenue	4.38B
Gross Profit	1.95B
Operating Income	137.26M
Pretax Income	116.14M
Net Income	58.85M
EBITDA	268.46M
EBIT	137.26M
Earnings Per Share (EPS)	0.31

Balance Sheet

The company has 4.17 billion in cash and 27.41 million in debt, with a net cash position of 4.15 billion or 20.87 per share.

Cash & Cash Equivalents	4.17B
Total Debt	27.41M
Net Cash	4.15B
Net Cash Per Share	20.87
Equity (Book Value)	2.72B
Book Value Per Share	14.62
Working Capital	1.91B

Cash Flow

In the last 12 months, operating cash flow was 279.41 million and capital expenditures -113.29 million, giving a free cash flow of 166.13 million.

Operating Cash Flow	279.41M
Capital Expenditures	-113.29M
Free Cash Flow	166.13M
FCF Per Share	0.84

Margins

Gross margin is 44.55%, with operating and profit margins of 3.14% and 1.34%.

Gross Margin	44.55%
Operating Margin	3.14%
Pretax Margin	2.65%
Profit Margin	1.34%
EBITDA Margin	6.14%
EBIT Margin	3.14%
FCF Margin	3.80%

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	n/a
Buyback Yield	3.81%
Shareholder Yield	3.81%
Earnings Yield	1.37%
FCF Yield	3.86%

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	5