The Universal Insurance Company Limited (PSX:UVIC)
Pakistan flag Pakistan · Delayed Price · Currency is PKR
21.09
+0.58 (2.83%)
At close: Apr 28, 2026

PSX:UVIC Statistics

Total Valuation

PSX:UVIC has a market cap or net worth of PKR 1.05 billion. The enterprise value is 1.03 billion.

Market Cap 1.05B
Enterprise Value 1.03B

Important Dates

The last earnings date was Tuesday, March 31, 2026.

Earnings Date Mar 31, 2026
Ex-Dividend Date n/a

Share Statistics

PSX:UVIC has 50.00 million shares outstanding.

Current Share Class 50.00M
Shares Outstanding 50.00M
Shares Change (YoY) n/a
Shares Change (QoQ) +2.43%
Owned by Insiders (%) 1.54%
Owned by Institutions (%) 0.88%
Float 6.21M

Valuation Ratios

The trailing PE ratio is 26.23.

PE Ratio 26.23
Forward PE n/a
PS Ratio 10.34
PB Ratio 1.45
P/TBV Ratio 1.45
P/FCF Ratio 29.62
P/OCF Ratio 17.10
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 26.10, with an EV/FCF ratio of 28.94.

EV / Earnings 25.64
EV / Sales 10.10
EV / EBITDA 26.10
EV / EBIT 28.43
EV / FCF 28.94

Financial Position

The company has a current ratio of 1.06

Current Ratio 1.06
Quick Ratio 0.37
Debt / Equity n/a
Debt / EBITDA n/a
Debt / FCF n/a
Interest Coverage n/a

Financial Efficiency

Return on equity (ROE) is 5.76% and return on invested capital (ROIC) is 4.55%.

Return on Equity (ROE) 5.76%
Return on Assets (ROA) 2.57%
Return on Invested Capital (ROIC) 4.55%
Return on Capital Employed (ROCE) 4.96%
Weighted Average Cost of Capital (WACC) 7.69%
Revenue Per Employee 4.64M
Profits Per Employee 1.83M
Employee Count 22
Asset Turnover 0.12
Inventory Turnover n/a

Taxes

In the past 12 months, PSX:UVIC has paid 4.43 million in taxes.

Income Tax 4.43M
Effective Tax Rate 9.92%

Stock Price Statistics

The stock price has increased by +114.55% in the last 52 weeks. The beta is 0.62, so PSX:UVIC's price volatility has been lower than the market average.

Beta (5Y) 0.62
52-Week Price Change +114.55%
50-Day Moving Average 21.51
200-Day Moving Average 21.65
Relative Strength Index (RSI) 49.52
Average Volume (20 Days) 5,093

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 102.00 million and earned 40.20 million in profits. Earnings per share was 0.80.

Revenue 102.00M
Gross Profit 116.95M
Operating Income 36.24M
Pretax Income 44.63M
Net Income 40.20M
EBITDA 39.49M
EBIT 36.24M
Earnings Per Share (EPS) 0.80
Full Income Statement

Balance Sheet

The company has 23.92 million in cash and n/a in debt, giving a net cash position of 23.92 million or 0.48 per share.

Cash & Cash Equivalents 23.92M
Total Debt n/a
Net Cash 23.92M
Net Cash Per Share 0.48
Equity (Book Value) 727.19M
Book Value Per Share 14.54
Working Capital 10.11M
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 61.67 million and capital expenditures -26.07 million, giving a free cash flow of 35.61 million.

Operating Cash Flow 61.67M
Capital Expenditures -26.07M
Depreciation & Amortization n/a
Net Borrowing n/a
Free Cash Flow 35.61M
FCF Per Share 0.71
Full Cash Flow Statement

Margins

Gross margin is 114.66%, with operating and profit margins of 35.53% and 39.41%.

Gross Margin 114.66%
Operating Margin 35.53%
Pretax Margin 43.75%
Profit Margin 39.41%
EBITDA Margin 38.71%
EBIT Margin 35.53%
FCF Margin 34.91%

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 n/a
Shareholder Yield n/a
Earnings Yield 3.81%
FCF Yield 3.38%

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 5