TPL Insurance Limited (PSX:TPLI)

TPL Insurance Statistics

Total Valuation

TPL Insurance has a market cap or net worth of PKR 5.10 billion. The enterprise value is 1.63 billion.

Market Cap	5.10B
Enterprise Value	1.63B

Important Dates

The next estimated earnings date is Friday, August 28, 2026.

Earnings Date	Aug 28, 2026
Ex-Dividend Date	n/a

Share Statistics

TPL Insurance has 198.64 million shares outstanding. The number of shares has decreased by -0.02% in one year.

Current Share Class	198.64M
Shares Outstanding	198.64M
Shares Change (YoY)	-0.02%
Shares Change (QoQ)	-14.62%
Owned by Insiders (%)	0.56%
Owned by Institutions (%)	3.65%
Float	19.58M

Valuation Ratios

The trailing PE ratio is 133.15.

PE Ratio	133.15
Forward PE	n/a
PS Ratio	1.05
PB Ratio	1.84
P/TBV Ratio	1.86
P/FCF Ratio	7.67
P/OCF Ratio	6.56
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 7.31, with an EV/FCF ratio of 2.45.

EV / Earnings	42.04
EV / Sales	0.33
EV / EBITDA	7.31
EV / EBIT	n/a
EV / FCF	2.45

Financial Position

The company has a current ratio of 1.41, with a Debt / Equity ratio of 0.03.

Current Ratio	1.41
Quick Ratio	1.08
Debt / Equity	0.03
Debt / EBITDA	0.40
Debt / FCF	0.13
Interest Coverage	-1.27

Financial Efficiency

Return on equity (ROE) is 1.41% and return on invested capital (ROIC) is -0.74%.

Return on Equity (ROE)	1.41%
Return on Assets (ROA)	-0.15%
Return on Invested Capital (ROIC)	-0.74%
Return on Capital Employed (ROCE)	-0.43%
Weighted Average Cost of Capital (WACC)	3.90%
Revenue Per Employee	13.36M
Profits Per Employee	105,976
Employee Count	365
Asset Turnover	0.54
Inventory Turnover	n/a

Taxes

Income Tax	-7.00M
Effective Tax Rate	n/a

Stock Price Statistics

The stock price has increased by +203.07% in the last 52 weeks. The beta is -0.10, so TPL Insurance's price volatility has been lower than the market average.

Beta (5Y)	-0.10
52-Week Price Change	+203.07%
50-Day Moving Average	24.21
200-Day Moving Average	21.28
Relative Strength Index (RSI)	55.28
Average Volume (20 Days)	33,408

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 4.88 billion and earned 38.68 million in profits. Earnings per share was 0.19.

Revenue	4.88B
Gross Profit	2.01B
Operating Income	-21.29M
Pretax Income	31.68M
Net Income	38.68M
EBITDA	98.51M
EBIT	-21.29M
Earnings Per Share (EPS)	0.19

Balance Sheet

The company has 3.56 billion in cash and 88.70 million in debt, with a net cash position of 3.47 billion or 17.48 per share.

Cash & Cash Equivalents	3.56B
Total Debt	88.70M
Net Cash	3.47B
Net Cash Per Share	17.48
Equity (Book Value)	2.77B
Book Value Per Share	13.67
Working Capital	1.94B

Cash Flow

In the last 12 months, operating cash flow was 777.30 million and capital expenditures -112.73 million, giving a free cash flow of 664.57 million.

Operating Cash Flow	777.30M
Capital Expenditures	-112.73M
Depreciation & Amortization	n/a
Net Borrowing	-140.56M
Free Cash Flow	664.57M
FCF Per Share	3.35

Margins

Gross margin is 41.18%, with operating and profit margins of -0.44% and 0.79%.

Gross Margin	41.18%
Operating Margin	-0.44%
Pretax Margin	0.65%
Profit Margin	0.79%
EBITDA Margin	2.02%
EBIT Margin	-0.44%
FCF Margin	13.63%

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	0.02%
Shareholder Yield	0.02%
Earnings Yield	0.76%
FCF Yield	13.03%

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