Adamjee Insurance Co. Ltd. (AICL) Stock Analysis | Price, Returns, Financials & Key Metrics

Price Point

High/Low

1Day

52 Week

Valuation

Technical

Day's Volume

CASH

307.54 k

Shareholding (Sep 2010)

FII

3.67%

Held by 1 FIIs

DII

96.33%

Held by 1 DIIs

Promoter

0.00%

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Dashboard

Weak Long Term Fundamental Strength with a 14.87% CAGR growth in Operating Profits

Flat results in Mar 25

With ROE of 11.6, it has a fair valuation with a 0.4 Price to Book Value

Mojo Parameters

Stock DNA

Industry

Insurance

Market cap

PKR 28,924 Million (Mid Cap)

P/E

6.00

Industry P/E

Dividend Yield

4.24%

Debt Equity

-0.72

Return on Equity

11.24%

Price to Book

0.60

Revenue and Profits:

Net Sales:

(Quarterly Results - Mar 2025)

Net Profit:

1,487 Million

Total Returns

Total Returns (Price + Dividend)

TimePeriod

Price Return

Dividend Return

Total Return

3 Months

-1.37%

6 Months

-9.79%

1 Year

32.18%

2 Years

100.13%

3 Years

52.8%

4 Years

16.03%

5 Years

42.37%

Adamjee Insurance Co. Ltd. for the last several years.

Risk Adjusted Returns v/s

News & Corporate Actions

News

No Recent News for the Company

Announcements

No announcement available

Corporate Actions

No corporate action available

Key Factors

Quality key factors

Factor

Value

Sales Growth (5y)

18.31%

EBIT Growth (5y)

-60.19%

EBIT to Interest (avg)

0.45

Debt to EBITDA (avg)

0.73

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

1.94

Tax Ratio

41.74%

Dividend Payout Ratio

21.89%

Pledged Shares

Institutional Holding

3.72%

ROCE (avg)

0.07%

ROE (avg)

9.17%

Valuation key factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.64

EV to EBIT

EV to EBITDA

-6.87

EV to Capital Employed

-0.19

EV to Sales

-0.03

PEG Ratio

0.23

Dividend Yield

4.19%

ROCE (Latest)

Negative Capital Employed

ROE (Latest)

11.10%

Technicals key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

Mildly Bullish

OBV

Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Shareholding

Shareholding Snapshot : Sep 2010

Shareholding Compare (%holding)

Majority shareholders

Foreign Institutions

Domestic Funds

Held in 0 Schemes (0%)

Foreign Institutions

Held by 1 Foreign Institutions (3.67%)

Strategic Entities with highest holding

Highest Public shareholder

Financial

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    "link": "quarterly",
    "btn_text": "All Quarterly Results",
    "header": "Quarterly Results Snapshot (Consolidated) - Mar'25 - YoY",
    "rhs": [
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        "prefix": "Net Sales ",
        "suffix": "YoY Growth in quarter ended Mar 2025 is 0.00% vs 0.00% in Mar 2024",
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      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": "YoY Growth in quarter ended Mar 2025 is 42.06% vs 110.77% in Mar 2024",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Mar'25",
        "Mar'24",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "100.30",
          "val2": "69.40",
          "chgp": "44.52%",
          "chgp_class": "positive"
        },
        {
          "field": "Interest",
          "val1": "3.80",
          "val2": "1.90",
          "chgp": "100.00%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "226.90",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "1,487.50",
          "val2": "1,047.10",
          "chgp": "42.06%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "117.60%",
          "val2": "108.30%",
          "chgp": "0.93%",
          "chgp_class": "positive"
        }
      ]
    }
  },
  {
    "link": "annual",
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        "suffix": "YoY Growth in year ended Dec 2024 is 0.00% vs 0.00% in Dec 2023",
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      },
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        "prefix": "Consolidated Net Profit ",
        "suffix": "YoY Growth in year ended Dec 2024 is 82.29% vs 13.85% in Dec 2023",
        "dir": 1
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      "header": [
        "Dec'24",
        "Dec'23",
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          "val2": "0.00",
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          "val2": "336.70",
          "chgp": "2.70%",
          "chgp_class": "positive"
        },
        {
          "field": "Interest",
          "val1": "247.60",
          "val2": "186.50",
          "chgp": "32.76%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "603.80",
          "val2": "236.90",
          "chgp": "154.88%",
          "chgp_class": "positive"
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          "val1": "4,952.70",
          "val2": "2,716.90",
          "chgp": "82.29%",
          "chgp_class": "positive"
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          "field": "Operating Profit Margin (Excl OI)",
          "val1": "91.00%",
          "val2": "75.60%",
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Quarterly Results Snapshot (Consolidated) - Mar'25 - YoY

Mar'25

Mar'24

Change(%)

Net Sales

0.00

Operating Profit (PBDIT) excl Other Income

100.30

69.40

44.52%

Interest

3.80

1.90

100.00%

Exceptional Items

226.90

0.00

Consolidate Net Profit

1,487.50

1,047.10

42.06%

Operating Profit Margin (Excl OI)

117.60%

108.30%

0.93%

USD in Million.

Compare with Peers

Net Sales

YoY Growth in quarter ended Mar 2025 is 0.00% vs 0.00% in Mar 2024

Consolidated Net Profit

YoY Growth in quarter ended Mar 2025 is 42.06% vs 110.77% in Mar 2024

All Quarterly Results

Annual Results Snapshot (Consolidated) - Dec'24

Dec'24

Dec'23

Change(%)

Net Sales

0.00

Operating Profit (PBDIT) excl Other Income

345.80

336.70

2.70%

Interest

247.60

186.50

32.76%

Exceptional Items

603.80

236.90

154.88%

Consolidate Net Profit

4,952.70

2,716.90

82.29%

Operating Profit Margin (Excl OI)

91.00%

75.60%

1.54%

USD in Million.

Compare with Peers

Net Sales

YoY Growth in year ended Dec 2024 is 0.00% vs 0.00% in Dec 2023

Consolidated Net Profit

YoY Growth in year ended Dec 2024 is 82.29% vs 13.85% in Dec 2023

All Annual Results

Company CV

About Adamjee Insurance Co. Ltd.

Adamjee Insurance Co. Ltd.

Insurance

Adamjee Insurance Company Limited (AICL) is a holding company. The Company is engaged in the general insurance business. The Company's segments include Fire and property damage; Marine, aviation and transport; Motor; Accident & Health, and Miscellaneous. Its fire and property insurance covers the assets of the policy holders against damages by fire, earthquake, riots and strike, explosion, atmospheric disturbance, flood, electric fluctuation and impact, and machinery breakdown, among others. Its marine aviation and transport insurance provides cover for loss or damage to cargo while in transit to and from foreign land and inland transit. Its motor insurance provides indemnity for accidental damage to or loss of insured vehicle. Its accident and health insurance compensates hospitalization and outpatient medical coverage to the insured. Its miscellaneous insurance provides a range of coverage, including cover against burglary, loss of cash in safe and fidelity guarantee, among others.

Company Coordinates

Company Details

Adamjee House, 6th Floor, I.I. Chundrigar Road KARACHI None : 74000

Tel: 92 21 32412623

http://www.adamjeeinsurance.com/

Registrar Details