The Universal Insurance Company Limited (PSX:UVIC)
Pakistan flag Pakistan · Delayed Price · Currency is PKR
17.40
-1.93 (-9.98%)
At close: Nov 2, 2026

PSX:UVIC Statistics

Total Valuation

PSX:UVIC has a market cap or net worth of PKR 872.50 million. The enterprise value is 841.46 million.

Market Cap872.50M
Enterprise Value 841.46M

Important Dates

The last earnings date was Thursday, October 22, 2026.

Earnings Date Oct 22, 2026
Ex-Dividend Date n/a

Share Statistics

PSX:UVIC has 50.00 million shares outstanding. The number of shares has decreased by -2.53% in one year.

Current Share Class 50.00M
Shares Outstanding 50.00M
Shares Change (YoY) -2.53%
Shares Change (QoQ) -0.13%
Owned by Insiders (%) 1.54%
Owned by Institutions (%) 0.41%
Float 6.21M

Valuation Ratios

The trailing PE ratio is 41.06.

PE Ratio 41.06
Forward PE n/a
PS Ratio 6.80
PB Ratio 1.16
P/TBV Ratio 1.16
P/FCF Ratio n/a
P/OCF Ratio n/a
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

EV / Earnings 40.51
EV / Sales 6.55
EV / EBITDA 36.10
EV / EBIT 51.65
EV / FCF n/a

Financial Position

The company has a current ratio of 0.95, with zero debt.

Current Ratio 0.95
Quick Ratio 0.61
Debt / Equity n/a
Debt / EBITDA n/a
Debt / FCF n/a
Interest Coverage n/a

Financial Efficiency

Return on equity (ROE) is 2.85% and return on invested capital (ROIC) is 1.84%.

Return on Equity (ROE) 2.85%
Return on Assets (ROA) 1.11%
Return on Invested Capital (ROIC) 1.84%
Return on Capital Employed (ROCE) 2.11%
Weighted Average Cost of Capital (WACC) 7.02%
Revenue Per Employee 5.84M
Profits Per Employee 944,182
Employee Count22
Asset Turnover 0.14
Inventory Turnover n/a

Taxes

In the past 12 months, PSX:UVIC has paid 3.90 million in taxes.

Income Tax 3.90M
Effective Tax Rate 15.82%

Stock Price Statistics

The stock price has decreased by -22.68% in the last 52 weeks. The beta is 0.50, so PSX:UVIC's price volatility has been lower than the market average.

Beta (5Y) 0.50
52-Week Price Change -22.68%
50-Day Moving Average 19.05
200-Day Moving Average 21.84
Relative Strength Index (RSI) 41.78
Average Volume (20 Days) 45,459

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 128.39 million and earned 20.77 million in profits. Earnings per share was 0.42.

Revenue128.39M
Gross Profit 111.77M
Operating Income 16.29M
Pretax Income 24.68M
Net Income 20.77M
EBITDA 23.31M
EBIT 16.29M
Earnings Per Share (EPS) 0.42
Full Income Statement

Balance Sheet

The company has 31.04 million in cash and no debt, with a net cash position of 31.04 million or 0.62 per share.

Cash & Cash Equivalents 31.04M
Total Debt n/a
Net Cash 31.04M
Net Cash Per Share 0.62
Equity (Book Value) 750.88M
Book Value Per Share 14.92
Working Capital -8.00M
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was -4.17 million and capital expenditures -31.51 million, giving a free cash flow of -35.68 million.

Operating Cash Flow -4.17M
Capital Expenditures -31.51M
Depreciation & Amortization n/a
Net Borrowing n/a
Free Cash Flow -35.68M
FCF Per Share -0.71
Full Cash Flow Statement

Margins

Gross margin is 87.05%, with operating and profit margins of 12.69% and 16.18%.

Gross Margin 87.05%
Operating Margin 12.69%
Pretax Margin 19.22%
Profit Margin 16.18%
EBITDA Margin 18.15%
EBIT Margin 12.69%
FCF Margin n/a

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
FCF Payout Ratio n/a
Buyback Yield 2.53%
Shareholder Yield 2.53%
Earnings Yield 2.44%
FCF Yield -4.09%

Fair Value

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

Lynch Fair Value
Lynch Upside
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