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

UNIC Ratios and Metrics

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

Fiscal Year	Current	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Nov 13, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Market Capitalization	5,524	3,245	2,242	2,360	2,384	2,497
Market Cap Growth	86.23%	44.74%	-5.00%	-0.99%	-4.54%	-6.91%
Enterprise Value	5,350	2,309	1,638	1,666	1,931	2,116
PE Ratio	4.81	2.96	1.39	1.71	1.87	1.88
PS Ratio	1.34	0.84	0.63	0.83	1.20	0.94
PB Ratio	1.12	0.65	0.48	0.54	0.58	0.64
P/FCF Ratio	3.69	17.05	2.94	3.30	4.60	7.46
P/OCF Ratio	2.50	6.85	2.25	2.84	4.14	6.76
EV/Sales Ratio	1.36	0.60	0.46	0.59	0.97	0.80
EV/EBITDA Ratio	3.24	1.54	1.17	1.37	2.96	3.29
EV/EBIT Ratio	3.74	1.73	1.27	1.52	3.68	3.69
EV/FCF Ratio	3.57	12.13	2.15	2.33	3.73	6.32
Debt / Equity Ratio	0.04	0.01	0.02	0.02	0.02	0.02
Debt / EBITDA Ratio	0.13	0.03	0.06	0.08	0.14	0.12
Debt / FCF Ratio	0.15	0.26	0.11	0.13	0.18	0.23
Quick Ratio	0.58	0.37	0.42	0.54	0.30	0.26
Current Ratio	1.26	1.16	1.14	1.25	0.96	1.00
Asset Turnover	0.29	0.29	0.31	0.28	0.22	0.35
Return on Equity (ROE)	21.24%	20.71%	20.39%	12.05%	10.36%	11.48%
Return on Assets (ROA)	6.47%	6.21%	6.93%	6.80%	3.64%	4.75%
Return on Capital (ROIC)	16.80%	16.94%	17.48%	15.76%	8.03%	10.06%
Earnings Yield	20.78%	30.98%	41.11%	21.68%	17.39%	16.08%
FCF Yield	27.13%	5.87%	34.05%	30.33%	21.74%	13.41%
Dividend Yield	25.11%	39.19%	103.76%	33.75%	22.84%	-
Payout Ratio	138.33%	117.72%	108.73%	55.85%	42.70%	-
Buyback Yield / Dilution	-5.45%	-13.16%	-	-	-	0.00%
Total Shareholder Return	19.66%	26.04%	103.76%	33.75%	22.84%	0.00%

Source: S&P Capital IQ. Insurance template. Financial Sources.