Stock UVIC THE UNIVERSAL INSURANCE COMPANY LIMITED
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Financials The Universal Insurance Company Limited

Equities

UVIC

PK0014201013

Property & Casualty Insurance

End-of-day quote Pakistan S.E.
Other stock markets
 03:30:00 28/06/2024 am IST 		5-day change 1st Jan Change
7.31 PKR -0.27% Intraday chart for The Universal Insurance Company Limited +15.66% +5.18%
29/04 The Universal Insurance Company Limited Reports Earnings Results for the First Quarter Ended March 31, 2024 CI
08/04 The Universal Insurance Company Limited Reports Earnings Results for the Full Year Ended December 31, 2023 CI

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 325 300 275 210 221.5 347.5
Enterprise Value (EV) 1 298.5 253.6 265.7 196.6 211.4 204.6
P/E ratio 20.3 x 128 x -3.13 x 5.19 x -2 x -2.24 x
Yield - - - - - -
Capitalization / Revenue 13.6 x 3.49 x 3.43 x 2.3 x 2.42 x 4.98 x
EV / Revenue 12.5 x 2.95 x 3.31 x 2.15 x 2.31 x 2.93 x
EV / EBITDA -6.14 x 10.4 x -5.32 x -4.23 x -1.48 x -3.69 x
EV / FCF -3.72 x 7.64 x -18.3 x 11 x 4.44 x -4.53 x
FCF Yield -26.9% 13.1% -5.48% 9.08% 22.5% -22.1%
Price to Book 0.4 x 0.36 x 0.33 x 0.25 x 0.3 x 0.52 x
Nbr of stocks (in thousands) 50,000 50,000 50,000 50,000 50,000 50,000
Reference price 2 6.500 6.000 5.500 4.200 4.430 6.950
Announcement Date 09/04/19 30/04/20 08/04/21 08/04/22 05/05/23 08/04/24
1PKR in Million2PKR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 23.89 85.99 80.27 91.24 91.59 69.84
EBITDA 1 -48.6 24.43 -49.93 -46.43 -142.5 -55.39
EBIT 1 -52.15 21.03 -53.68 -49.76 -145.5 -59.19
Operating Margin -218.3% 24.45% -66.87% -54.54% -158.92% -84.74%
Earnings before Tax (EBT) 1 19.5 4.421 -109.5 45.29 -147.3 -48.88
Net income 1 15.99 2.335 -87.84 40.44 -111 -154.9
Net margin 66.93% 2.72% -109.44% 44.32% -121.22% -221.8%
EPS 2 0.3198 0.0467 -1.757 0.8088 -2.220 -3.098
Free Cash Flow 1 -80.27 33.2 -14.56 17.85 47.58 -45.15
FCF margin -336.03% 38.61% -18.13% 19.57% 51.95% -64.64%
FCF Conversion (EBITDA) - 135.9% - - - -
FCF Conversion (Net income) - 1,421.92% - 44.15% - -
Dividend per Share - - - - - -
Announcement Date 09/04/19 30/04/20 08/04/21 08/04/22 05/05/23 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 26.5 46.4 9.33 13.4 10.1 143
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow 1 -80.3 33.2 -14.6 17.9 47.6 -45.1
ROE (net income / shareholders' equity) 2.01% 0.29% -10.6% 4.84% -14.1% -22.2%
ROA (Net income/ Total Assets) -3.53% 1.4% -3.46% -3.14% -9.37% -4.09%
Assets 1 -453.2 167.1 2,539 -1,286 1,184 3,785
Book Value Per Share 2 16.20 16.40 16.60 16.80 14.60 13.40
Cash Flow per Share 2 0.5300 0.9300 0.1900 0.2700 0.2000 2.860
Capex 1 0.32 4.01 0.61 0.39 5.75 1.91
Capex / Sales 1.36% 4.66% 0.76% 0.43% 6.28% 2.73%
Announcement Date 09/04/19 30/04/20 08/04/21 08/04/22 05/05/23 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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