The United Insurance Company of Pakistan Limited (PSX:UNIC)

PSX:UNIC Ratios and Metrics

Market cap in millions PKR. Fiscal year is January - December.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Apr 10, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Capitalization	6,446	6,237	5,583	3,245	2,242	2,360
Market Cap Growth	9.74%	11.73%	72.04%	44.74%	-5.00%	-0.99%
Enterprise Value	5,782	5,327	5,409	2,309	1,638	1,666
PE Ratio	3.57	4.14	2.75	3.23	2.43	4.61
PS Ratio	1.23	1.19	0.97	0.84	0.63	0.83
PB Ratio	0.81	0.78	0.93	0.65	0.48	0.54
P/FCF Ratio	32.66	31.61	4.37	17.05	2.94	3.30
P/OCF Ratio	24.18	23.39	3.22	6.85	2.25	2.84
EV/Sales Ratio	1.10	1.02	0.94	0.60	0.46	0.59
EV/EBITDA Ratio	2.26	2.11	1.85	1.57	1.17	1.37
EV/EBIT Ratio	2.52	2.32	1.99	1.77	1.27	1.52
EV/FCF Ratio	29.30	26.99	4.24	12.13	2.15	2.33
Debt / Equity Ratio	0.02	0.02	0.03	0.01	0.02	0.02
Debt / EBITDA Ratio	0.06	0.06	0.06	0.03	0.06	0.08
Debt / FCF Ratio	0.83	0.83	0.14	0.26	0.11	0.13
Net Debt / Equity Ratio	-0.08	-0.08	-0.10	-0.11	-0.17	-0.15
Net Debt / EBITDA Ratio	-0.26	-0.26	-0.22	-0.37	-0.58	-0.55
Net Debt / FCF Ratio	-3.36	-3.36	-0.49	-2.84	-1.06	-0.94
Quick Ratio	0.73	0.73	0.64	0.37	0.42	0.54
Current Ratio	1.40	1.40	1.24	1.16	1.14	1.25
Asset Turnover	0.26	0.26	0.36	0.29	0.31	0.28
Return on Equity (ROE)	21.52%	21.52%	36.68%	20.71%	20.39%	12.05%
Return on Assets (ROA)	7.12%	7.12%	10.54%	6.08%	6.93%	6.80%
Return on Invested Capital (ROIC)	19.76%	20.88%	35.04%	19.48%	21.50%	16.98%
Earnings Yield	23.37%	24.15%	36.31%	30.98%	41.11%	21.68%
FCF Yield	3.06%	3.16%	22.87%	5.87%	34.05%	30.33%
Dividend Yield	-	-	17.89%	39.19%	103.76%	33.75%
Payout Ratio	0.00%	0.00%	50.07%	117.72%	108.73%	55.85%
Buyback Yield / Dilution	-	-	13.44%	-13.16%	-	-
Total Shareholder Return	-	-	31.32%	26.04%	103.76%	33.75%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.