The Universal Insurance Company Limited (PSX:UVIC)

PSX:UVIC 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	May 7, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Capitalization	1,046	1,254	598	348	222	210
Market Cap Growth	107.85%	109.87%	71.94%	56.88%	5.48%	-23.64%
Enterprise Value	1,022	1,213	272	333	180	205
PE Ratio	25.07	31.19	-	-	-	5.19
PS Ratio	9.95	12.29	9.35	4.97	2.42	2.30
PB Ratio	1.43	1.72	0.89	0.52	0.30	0.25
P/FCF Ratio	22.44	35.22	-	-	-	-
P/OCF Ratio	14.40	20.33	-	-	-	-
EV/Sales Ratio	9.72	11.89	4.26	4.76	1.96	2.25
EV/EBITDA Ratio	25.03	30.72	-	-	-	-
EV/EBIT Ratio	28.05	33.47	-	-	-	-
EV/FCF Ratio	21.93	34.07	-	-	-	-
Net Debt / Equity Ratio	-0.03	-0.03	-0.09	-0.21	-0.01	-0.02
Net Debt / EBITDA Ratio	-0.59	-0.61	2.88	2.58	0.07	0.29
Net Debt / FCF Ratio	-0.51	-0.67	0.83	1.07	0.14	0.39
Quick Ratio	0.59	0.37	0.90	1.21	0.44	0.98
Current Ratio	0.92	1.06	1.60	1.87	1.07	2.05
Asset Turnover	0.12	0.12	0.08	0.08	0.09	0.09
Return on Equity (ROE)	5.91%	5.76%	-0.73%	-22.17%	-14.14%	4.84%
Return on Assets (ROA)	2.60%	2.57%	-1.79%	-4.09%	-9.37%	-3.14%
Return on Invested Capital (ROIC)	4.62%	4.68%	-3.65%	-8.47%	-18.54%	-5.32%
Earnings Yield	3.96%	3.21%	-0.81%	-44.58%	-50.12%	19.26%
FCF Yield	4.46%	2.84%	-12.43%	-38.30%	-32.28%	-16.44%

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