The United Insurance Company of Pakistan Limited (PSX:UNIC)
Pakistan · Delayed Price · Currency is PKR 12.44
-0.09 (-0.72%)
At close: Jul 30, 2026
PSX:UNIC Ratios and Metrics
Market cap in millions PKR. Fiscal year is January - December.
Millions PKR. Fiscal year is Jan - Dec.
Total Valuation
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jul '26 Jul 29, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
| 6,212 | 6,237 | 5,583 | 3,245 | 2,242 | 2,360 | |
Market Cap Growth | -6.70% | 11.73% | 72.04% | 44.74% | -5.00% | -0.99% |
Enterprise Value | 5,566 | 5,327 | 5,409 | 2,309 | 1,638 | 1,666 |
Price Ratios
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jul '26 Jul 29, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
PE Ratio | 3.37 | 4.14 | 2.75 | 3.23 | 2.43 | 4.61 |
PS Ratio | 1.16 | 1.19 | 0.97 | 0.84 | 0.63 | 0.83 |
PB Ratio | 0.73 | 0.78 | 0.93 | 0.65 | 0.48 | 0.54 |
P/FCF Ratio | 9.73 | 31.61 | 4.37 | 17.05 | 2.94 | 3.30 |
P/OCF Ratio | 10.60 | 23.39 | 3.22 | 6.85 | 2.25 | 2.84 |
EV Ratios
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jul '26 Jul 29, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
EV/Sales Ratio | 1.04 | 1.02 | 0.94 | 0.60 | 0.46 | 0.59 |
EV/EBITDA Ratio | 2.19 | 2.11 | 1.85 | 1.57 | 1.17 | 1.37 |
EV/EBIT Ratio | 2.45 | 2.32 | 1.99 | 1.77 | 1.27 | 1.52 |
EV/FCF Ratio | 8.72 | 26.99 | 4.24 | 12.13 | 2.15 | 2.33 |
Financial Efficiency
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jul '26 Jul 29, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
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 | 0.23 | 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 | -1.01 | -3.36 | -0.49 | -2.84 | -1.06 | -0.94 |
Quick Ratio | 0.87 | 0.73 | 0.64 | 0.37 | 0.42 | 0.54 |
Current Ratio | 1.44 | 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) | 19.82% | 21.52% | 36.68% | 20.71% | 20.39% | 12.05% |
Return on Assets (ROA) | 6.85% | 7.12% | 10.54% | 6.08% | 6.93% | 6.80% |
Return on Invested Capital (ROIC) | 18.19% | 20.88% | 35.04% | 19.48% | 21.50% | 16.98% |
Yields
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jul '26 Jul 29, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Earnings Yield | 24.74% | 24.15% | 36.31% | 30.98% | 41.11% | 21.68% |
FCF Yield | 10.28% | 3.16% | 22.87% | 5.87% | 34.05% | 30.33% |
Dividend Yield | - | - | 17.89% | 39.19% | 103.76% | 33.75% |
Payout Ratio | - | 0.00% | 50.07% | 117.72% | 108.73% | 55.85% |
Buyback Yield / Dilution | -3.30% | - | 13.44% | -13.16% | - | - |
Total Shareholder Return | -3.30% | - | 31.32% | 26.04% | 103.76% | 33.75% |