Stock UNIC THE UNITED INSURANCE COMPANY OF PAKISTAN LIMITED
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Financials The United Insurance Company of Pakistan Limited

Equities

UNIC

PK0004801012

Property & Casualty Insurance

End-of-day quote Pakistan S.E.
Other stock markets
 03:30:00 15/05/2024 am IST 		5-day change 1st Jan Change
12.4 PKR -0.40% Intraday chart for The United Insurance Company of Pakistan Limited +3.33% +12.73%
30/04 The United Insurance Company of Pakistan Limited Reports Earnings Results for the First Quarter Ended March 31, 2024 CI
08/04 The United Insurance Company of Pakistan Limited Reports Earnings Results for the Full Year Ended December 31, 2023 CI

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 2,682 2,497 2,384 2,360 2,242 3,245
Enterprise Value (EV) 1 2,192 2,309 2,175 1,688 1,430 2,705
P/E ratio 6.89 x 6.22 x 5.75 x 2.92 x 2.43 x 3.65 x
Yield - - 7.43% 12.5% 59.2% 31.8%
Capitalization / Revenue 1.04 x 0.95 x 1.2 x 0.83 x 0.63 x 0.84 x
EV / Revenue 0.85 x 0.88 x 1.09 x 0.6 x 0.4 x 0.7 x
EV / EBITDA 3.52 x 3.67 x 3.33 x 1.43 x 1.02 x 1.8 x
EV / FCF 3.85 x 14.4 x 3.15 x -2.79 x 1.28 x 9.46 x
FCF Yield 26% 6.93% 31.7% -35.9% 77.8% 10.6%
Price to Book 0.86 x 0.64 x 0.58 x 0.51 x 0.48 x 0.76 x
Nbr of stocks (in thousands) 2,95,000 2,95,000 2,95,000 2,95,000 2,95,000 2,95,000
Reference price 2 9.093 8.464 8.080 8.000 7.600 11.00
Announcement Date 25/03/19 07/04/20 08/04/21 12/04/22 07/04/23 08/04/24
1PKR in Million2PKR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 2,576 2,627 1,994 2,834 3,583 3,863
EBITDA 1 623.3 628.9 652.7 1,182 1,402 1,501
EBIT 1 529.3 558.5 525.3 1,064 1,287 1,334
Operating Margin 20.55% 21.26% 26.35% 37.54% 35.91% 34.53%
Earnings before Tax (EBT) 1 562.7 609.1 534.4 1,057 1,199 1,370
Net income 1 389.2 401.6 414.6 809.1 921.7 1,005
Net margin 15.11% 15.29% 20.79% 28.55% 25.72% 26.03%
EPS 2 1.319 1.361 1.405 2.743 3.124 3.012
Free Cash Flow 1 569.1 159.9 690.7 -605.6 1,113 286
FCF margin 22.09% 6.09% 34.64% -21.37% 31.07% 7.4%
FCF Conversion (EBITDA) 91.31% 25.43% 105.82% - 79.4% 19.06%
FCF Conversion (Net income) 146.21% 39.82% 166.6% - 120.79% 28.45%
Dividend per Share - - 0.6000 1.000 4.500 3.500
Announcement Date 25/03/19 07/04/20 08/04/21 12/04/22 07/04/23 08/04/24
1PKR in Million2PKR
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 - - - - - -
Net Cash position 1 490 188 208 672 812 540
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow 1 569 160 691 -606 1,113 286
ROE (net income / shareholders' equity) 13.3% 11.5% 10.4% 18.4% 20.4% 20.7%
ROA (Net income/ Total Assets) 5.05% 4.63% 3.64% 6.52% 6.92% 6.21%
Assets 1 7,710 8,673 11,392 12,413 13,320 16,200
Book Value Per Share 2 10.60 13.10 14.00 15.80 15.90 14.50
Cash Flow per Share 2 1.840 0.9000 1.020 2.590 3.030 1.700
Capex 1 29.7 34.4 57 116 234 283
Capex / Sales 1.15% 1.31% 2.86% 4.09% 6.53% 7.34%
Announcement Date 25/03/19 07/04/20 08/04/21 12/04/22 07/04/23 08/04/24
1PKR in Million2PKR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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