Stock FCIBL FIRST CREDIT AND INVESTMENT BANK LIMITED
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Financials First Credit and Investment Bank Limited

Equities

FCIBL

PK0094101018

Diversified Investment Services

End-of-day quote Pakistan S.E.
Other stock markets
 06:00:00 2024-04-25 pm EDT 		5-day change 1st Jan Change
8 PKR +3.76% Intraday chart for First Credit and Investment Bank Limited +3.36% +25.98%
Feb. 29 First Credit and Investment Bank Limited Reports Earnings Results for the Second Quarter and Six Months Ended December 31, 2023 CI
2023 First Credit and Investment Bank Limited Reports Earnings Results for the First Quarter Ended September 30, 2023 CI

Valuation

Fiscal Period: June 2018 2019 2020 2021 2022 2023
Capitalization 1 295.8 162.5 258 585 293.2 325.6
Enterprise Value (EV) 1 132.2 209.7 901.6 -239.1 394.4 1,232
P/E ratio 32.2 x 17.1 x 8.99 x 28.5 x 35.8 x 25.1 x
Yield - 12% - - - -
Capitalization / Revenue 2.89 x 1.39 x 1.67 x 4.04 x 2.19 x 1.17 x
EV / Revenue 1.29 x 1.79 x 5.83 x -1.65 x 2.94 x 4.41 x
EV / EBITDA 2.12 x 2.86 x 9.57 x -2.69 x 5.39 x 6.18 x
EV / FCF -17.9 x -6.5 x 9.23 x -0.28 x -0.44 x -14.2 x
FCF Yield -5.59% -15.4% 10.8% -361% -230% -7.06%
Price to Book 0.41 x 0.23 x 0.35 x 0.78 x 0.41 x 0.45 x
Nbr of stocks (in thousands) 65,000 65,000 65,000 65,000 65,000 65,000
Reference price 2 4.550 2.500 3.970 9.000 4.510 5.010
Announcement Date 10/4/18 10/3/19 10/2/20 10/4/21 10/5/22 9/8/23
1PKR in Million2PKR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: June 2018 2019 2020 2021 2022 2023
Net sales 1 102.3 116.8 154.7 144.8 133.9 279.3
EBITDA 1 62.46 73.33 94.21 88.96 73.22 199.4
EBIT 1 60.84 71.56 92.15 81.35 65.43 192.2
Operating Margin 59.46% 61.24% 59.55% 56.16% 48.85% 68.83%
Earnings before Tax (EBT) 1 15.8 15.2 37.81 28.85 13.31 29.83
Net income 1 9.19 9.517 28.7 20.53 8.189 12.99
Net margin 8.98% 8.15% 18.55% 14.18% 6.11% 4.65%
EPS 2 0.1414 0.1464 0.4416 0.3159 0.1260 0.1999
Free Cash Flow 1 -7.399 -32.26 97.68 863.9 -906.3 -86.96
FCF margin -7.23% -27.61% 63.13% 596.47% -676.65% -31.14%
FCF Conversion (EBITDA) - - 103.69% 971.08% - -
FCF Conversion (Net income) - - 340.32% 4,207.04% - -
Dividend per Share - 0.3000 - - - -
Announcement Date 10/4/18 10/3/19 10/2/20 10/4/21 10/5/22 9/8/23
1PKR in Million2PKR
Estimates

Balance Sheet Analysis

Fiscal Period: June 2018 2019 2020 2021 2022 2023
Net Debt 1 - 47.2 644 - 101 906
Net Cash position 1 164 - - 824 - -
Leverage (Debt/EBITDA) - 0.6435 x 6.832 x - 1.383 x 4.545 x
Free Cash Flow 1 -7.4 -32.3 97.7 864 -906 -87
ROE (net income / shareholders' equity) 1.28% 1.32% 3.94% 2.76% 1.11% 1.8%
ROA (Net income/ Total Assets) 3.06% 3.3% 3.77% 2.58% 1.89% 6.16%
Assets 1 300 288.6 760.7 795.6 433 211.1
Book Value Per Share 2 11.10 11.10 11.40 11.50 11.10 11.10
Cash Flow per Share 2 3.220 0.5600 0.4200 2.140 1.160 1.880
Capex 1 5.34 0.41 8.19 0.79 2.05 0.24
Capex / Sales 5.22% 0.35% 5.3% 0.55% 1.53% 0.08%
Announcement Date 10/4/18 10/3/19 10/2/20 10/4/21 10/5/22 9/8/23
1PKR in Million2PKR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Sector Diversified Investment Services

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Diversified Investment Services
  1. Stock Market
  2. Equities
  3. FCIBL Stock
  4. Financials First Credit and Investment Bank Limited