Habib Insurance Company Limited (PSX:HICL)

Habib Insurance Company Ratios and Metrics

Market cap in millions PKR. Fiscal year is January - December.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	May 13, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	948	1,053	768	743	863	1,048
Market Cap Growth	36.32%	37.10%	3.33%	-13.92%	-17.61%	-22.24%
Enterprise Value	1,103	984	804	213	1,085	1,227
PE Ratio	3.73	4.45	6.81	6.69	8.07	17.00
PS Ratio	0.44	0.50	0.41	0.54	0.90	1.25
PB Ratio	0.45	0.51	0.51	0.64	0.69	0.81
P/FCF Ratio	-	-	-	1.31	-	10.01
P/OCF Ratio	-	-	-	1.28	-	9.18
EV/Sales Ratio	0.52	0.47	0.43	0.15	1.13	1.46
EV/EBITDA Ratio	2.68	2.61	4.36	1.59	8.74	9.63
EV/EBIT Ratio	2.88	2.72	4.68	1.70	10.81	11.96
EV/FCF Ratio	-2.73	-	-	0.37	-	11.72
Debt / Equity Ratio	0.09	0.01	0.03	0.03	0.03	0.11
Debt / EBITDA Ratio	0.44	0.07	0.21	0.22	0.28	1.01
Debt / FCF Ratio	-	-	-	0.05	-	1.32
Quick Ratio	0.23	0.36	0.40	0.38	0.33	0.32
Current Ratio	0.83	0.93	1.01	0.86	0.96	1.00
Asset Turnover	0.37	0.35	0.38	0.32	0.24	0.22
Return on Equity (ROE)	13.58%	13.31%	8.44%	9.17%	8.38%	4.84%
Return on Assets (ROA)	4.18%	3.78%	2.14%	1.79%	1.53%	1.67%
Return on Capital (ROIC)	12.11%	12.47%	7.83%	6.29%	4.60%	4.43%
Earnings Yield	26.79%	22.49%	14.69%	14.95%	12.40%	5.88%
Earnings Yield	26.79%	22.49%	14.69%	14.95%	12.40%	5.88%
FCF Yield	-42.61%	-21.62%	-82.76%	76.58%	-5.94%	9.99%
Dividend Yield	13.07%	13.20%	12.40%	14.27%	13.36%	9.41%
Payout Ratio	29.68%	31.81%	67.42%	67.67%	56.72%	97.91%
Total Shareholder Return	13.07%	13.20%	12.40%	14.27%	13.36%	9.41%

Updated Oct 30, 2024. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.