The Universal Insurance Company Limited (PSX:UVIC)
Pakistan flag Pakistan · Delayed Price · Currency is PKR
24.48
0.00 (0.00%)
At close: Nov 28, 2025

PSX:UVIC Statistics

Total Valuation

PSX:UVIC has a market cap or net worth of PKR 1.22 billion. The enterprise value is 1.18 billion.

Market Cap1.22B
Enterprise Value 1.18B

Important Dates

The next estimated earnings date is Thursday, March 26, 2026.

Earnings Date Mar 26, 2026
Ex-Dividend Date n/a

Share Statistics

PSX:UVIC has 50.00 million shares outstanding. The number of shares has increased by 2.21% in one year.

Current Share Class 50.00M
Shares Outstanding 50.00M
Shares Change (YoY) +2.21%
Shares Change (QoQ) -4.05%
Owned by Insiders (%) 1.54%
Owned by Institutions (%) 1.22%
Float 6.21M

Valuation Ratios

The trailing PE ratio is 27.17.

PE Ratio 27.17
Forward PE n/a
PS Ratio 12.59
PB Ratio 1.73
P/TBV Ratio 1.73
P/FCF Ratio 12.68
P/OCF Ratio n/a
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 32.77, with an EV/FCF ratio of 12.26.

EV / Earnings 26.11
EV / Sales 12.17
EV / EBITDA 32.77
EV / EBIT 35.69
EV / FCF 12.26

Financial Position

The company has a current ratio of 1.03

Current Ratio 1.03
Quick Ratio 0.34
Debt / Equity n/a
Debt / EBITDA n/a
Debt / FCF n/a
Interest Coverage n/a

Financial Efficiency

Return on equity (ROE) is 6.67% and return on invested capital (ROIC) is 3.05%.

Return on Equity (ROE) 6.67%
Return on Assets (ROA) 2.39%
Return on Invested Capital (ROIC) 3.05%
Return on Capital Employed (ROCE) 4.59%
Revenue Per Employee 4.42M
Profits Per Employee 2.06M
Employee Count22
Asset Turnover 0.11
Inventory Turnover n/a

Taxes

Income Tax -8.88M
Effective Tax Rate n/a

Stock Price Statistics

The stock price has increased by +138.36% in the last 52 weeks. The beta is 0.64, so PSX:UVIC's price volatility has been lower than the market average.

Beta (5Y) 0.64
52-Week Price Change +138.36%
50-Day Moving Average 26.76
200-Day Moving Average 15.26
Relative Strength Index (RSI) 48.56
Average Volume (20 Days) 15,835

Short Selling Information

Short Interest n/a
Short Previous Month n/a
Short % of Shares Out n/a
Short % of Float n/a
Short Ratio (days to cover) n/a

Income Statement

In the last 12 months, PSX:UVIC had revenue of PKR 97.24 million and earned 45.31 million in profits. Earnings per share was 0.90.

Revenue97.24M
Gross Profit 113.91M
Operating Income 33.15M
Pretax Income 36.43M
Net Income 45.31M
EBITDA 36.11M
EBIT 33.15M
Earnings Per Share (EPS) 0.90
Full Income Statement

Balance Sheet

The company has 40.85 million in cash and n/a in debt, giving a net cash position of 40.85 million or 0.82 per share.

Cash & Cash Equivalents 40.85M
Total Debt n/a
Net Cash 40.85M
Net Cash Per Share 0.82
Equity (Book Value) 708.55M
Book Value Per Share 14.78
Working Capital 5.03M
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was -22.83 million and capital expenditures 119.32 million, giving a free cash flow of 96.49 million.

Operating Cash Flow -22.83M
Capital Expenditures 119.32M
Free Cash Flow 96.49M
FCF Per Share 1.93
Full Cash Flow Statement

Margins

Gross margin is 117.14%, with operating and profit margins of 34.09% and 46.59%.

Gross Margin 117.14%
Operating Margin 34.09%
Pretax Margin 37.46%
Profit Margin 46.59%
EBITDA Margin 37.13%
EBIT Margin 34.09%
FCF Margin 99.23%

Dividends & Yields

PSX:UVIC does not appear to pay any dividends at this time.

Dividend Per Share n/a
Dividend Yield n/a
Dividend Growth (YoY) n/a
Years of Dividend Growth n/a
Payout Ratio n/a
Buyback Yield -2.21%
Shareholder Yield -2.21%
Earnings Yield 3.70%
FCF Yield 7.88%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value n/a
Lynch Upside n/a
Graham Number
Graham Upside

Stock Splits

The last stock split was on March 28, 2008. It was a forward split with a ratio of 1.4.

Last Split Date Mar 28, 2008
Split Type Forward
Split Ratio 1.4

Scores

Altman Z-Score n/a
Piotroski F-Score 3