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 29, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Capitalization	6,257	6,237	5,583	3,245	2,242	2,360
Market Cap Growth	-8.98%	11.73%	72.04%	44.74%	-5.00%	-0.99%
Enterprise Value	5,611	5,327	5,409	2,309	1,638	1,666
PE Ratio	3.39	4.14	2.75	3.23	2.43	4.61
PS Ratio	1.17	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	9.80	31.61	4.37	17.05	2.94	3.30
P/OCF Ratio	10.68	23.39	3.22	6.85	2.25	2.84
EV/Sales Ratio	1.05	1.02	0.94	0.60	0.46	0.59
EV/EBITDA Ratio	2.22	2.11	1.85	1.57	1.17	1.37
EV/EBIT Ratio	2.48	2.32	1.99	1.77	1.27	1.52
EV/FCF Ratio	8.79	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	0.23	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	0.80	0.73	0.64	0.37	0.42	0.54
Current Ratio	1.47	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)	6.83%	7.12%	10.54%	6.08%	6.93%	6.80%
Return on Invested Capital (ROIC)	18.16%	20.88%	35.04%	19.48%	21.50%	16.98%
Earnings Yield	24.56%	24.15%	36.31%	30.98%	41.11%	21.68%
FCF Yield	10.20%	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	12.91%	-	13.44%	-13.16%	-	-
Total Shareholder Return	12.91%	-	31.32%	26.04%	103.76%	33.75%

Source: S&P Global Market Intelligence. Insurance template. Financial Sources.