Stock HICL HABIB INSURANCE COMPANY LIMITED
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Financials Habib Insurance Company Limited

Equities

HICL

PK0000301017

Property & Casualty Insurance

End-of-day quote Pakistan S.E.
Other stock markets
 06:00:00 2024-04-25 pm EDT 		5-day change 1st Jan Change
6.18 PKR +0.49% Intraday chart for Habib Insurance Company Limited +3.00% -0.32%
Apr. 04 Habib Insurance Company Limited Reports Earnings Results for the Full Year Ended December 31, 2023 CI
Mar. 29 Habib Insurance Company Limited Announces Resignation of Muhammad Maaz Akbar as Company Secretary CI

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 1,363 1,348 1,048 863.4 743.2 768
Enterprise Value (EV) 1 1,304 1,435 991.3 804.1 378.4 146.9
P/E ratio 12.9 x 19.2 x 17 x 8.07 x 6.69 x 6.81 x
Yield 6.82% 4.6% 5.91% 8.97% 10.4% 10.1%
Capitalization / Revenue 1.85 x 1.54 x 1.24 x 0.9 x 0.54 x 0.41 x
EV / Revenue 1.77 x 1.64 x 1.18 x 0.84 x 0.27 x 0.08 x
EV / EBITDA 7.41 x 11.7 x 8.64 x 6.77 x 2.83 x 0.8 x
EV / FCF 8.25 x 6.96 x 5 x 7.18 x 0.52 x -0.98 x
FCF Yield 12.1% 14.4% 20% 13.9% 193% -102%
Price to Book 1.02 x 1.08 x 0.81 x 0.69 x 0.64 x 0.51 x
Nbr of stocks (in thousands) 123,875 123,875 123,875 123,875 123,875 123,875
Reference price 2 11.00 10.88 8.460 6.970 6.000 6.200
Announcement Date 4/5/19 4/27/20 4/8/21 4/7/22 5/9/23 4/4/24
1PKR in Million2PKR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 737.5 873.8 841.9 957.6 1,379 1,891
EBITDA 1 175.9 122.4 114.8 118.8 133.9 184.2
EBIT 1 165.1 114.6 106.5 95.03 125.3 171.9
Operating Margin 22.39% 13.12% 12.65% 9.92% 9.09% 9.09%
Earnings before Tax (EBT) 1 157.9 97.23 89.04 147.7 141.2 159.7
Net income 1 105.3 70.09 61.66 107 111.1 112.8
Net margin 14.28% 8.02% 7.32% 11.18% 8.06% 5.96%
EPS 2 0.8501 0.5658 0.4978 0.8640 0.8968 0.9104
Free Cash Flow 1 158.1 206.1 198.4 112 729.6 -150
FCF margin 21.43% 23.59% 23.57% 11.69% 52.91% -7.93%
FCF Conversion (EBITDA) 89.88% 168.42% 172.91% 94.22% 544.79% -
FCF Conversion (Net income) 150.1% 294.08% 321.82% 104.61% 656.8% -
Dividend per Share 2 0.7500 0.5000 0.5000 0.6250 0.6250 0.6250
Announcement Date 4/5/19 4/27/20 4/8/21 4/7/22 5/9/23 4/4/24
1PKR in Million2PKR
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 - 87.4 - - - -
Net Cash position 1 58.8 - 56.6 59.3 365 621
Leverage (Debt/EBITDA) - 0.7145 x - - - -
Free Cash Flow 1 158 206 198 112 730 -150
ROE (net income / shareholders' equity) 7.59% 5.42% 4.84% 8.38% 9.17% 8.44%
ROA (Net income/ Total Assets) 3.15% 2.07% 1.74% 1.45% 1.79% 2.14%
Assets 1 3,346 3,387 3,548 7,398 6,195 5,269
Book Value Per Share 2 10.80 10.10 10.50 10.10 9.430 12.10
Cash Flow per Share 2 1.030 0.9800 1.570 0.7800 3.190 5.340
Capex 1 25.7 11.7 9.46 23.9 9.76 59.6
Capex / Sales 3.49% 1.34% 1.12% 2.5% 0.71% 3.15%
Announcement Date 4/5/19 4/27/20 4/8/21 4/7/22 5/9/23 4/4/24
1PKR in Million2PKR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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