ScoreWhy is Clover Pakistan Ltd. ?
1
Company's ability to service its debt is strong with a healthy EBIT to Interest (avg) ratio of 35.45
2
The company has declared negative results in Mar'2025 after 2 consecutive positive quarters
- INTEREST(9M) At PKR 0.15 MM has Grown at inf%
- NET SALES(Q) At PKR 559.89 has Fallen at -61.48%
- OPERATING PROFIT(Q) Lowest at PKR 41.35
3
With ROE of 64.9, it has a attractive valuation with a 3.3 Price to Book Value
- Over the past year, while the stock has generated a return of 0%, its profits have risen by 359.8% ; the PEG ratio of the company is 0
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Clover Pakistan Ltd. should be less than 10%
- Overall Portfolio exposure to FMCG should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in FMCG)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Clover Pakistan Ltd. for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
Clover Pakistan Ltd.
-100.0%
0.28
50.89%
Pakistan KSE 100 Share
60.28%
2.81
22.77%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
60.83%
EBIT Growth (5y)
42.88%
EBIT to Interest (avg)
35.45
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
-0.14
Sales to Capital Employed (avg)
5.38
Tax Ratio
Tax Ratio is Negative%
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
31.33%
ROE (avg)
21.42%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
7
Industry P/E
Price to Book Value
3.07
EV to EBIT
7.42
EV to EBITDA
7.33
EV to Capital Employed
3.24
EV to Sales
0.43
PEG Ratio
1.44
Dividend Yield
NA
ROCE (Latest)
43.62%
ROE (Latest)
46.17%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend9What is working for the Company
RAW MATERIAL COST(Y)
Fallen by -13.94% (YoY
NET SALES(9M)
Higher at PKR 2,632.61 MM
NET PROFIT(9M)
Higher at PKR 204.44 MM
-15What is not working for the Company
INTEREST(9M)
At PKR 0.15 MM has Grown at inf%
NET SALES(Q)
At PKR 559.89 MM has Fallen at -61.48%
OPERATING PROFIT(Q)
Lowest at PKR 41.35 MM
OPERATING PROFIT MARGIN(Q)
Lowest at 7.39 %
PRE-TAX PROFIT(Q)
Lowest at PKR 40.55 MM
NET PROFIT(Q)
Lowest at PKR 40.49 MM
EPS(Q)
Lowest at PKR 1.04
Here's what is working for Clover Pakistan Ltd.
Raw Material Cost
Fallen by -13.94% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin
Raw Material Cost as a percentage of Sales
Here's what is not working for Clover Pakistan Ltd.
Interest
At PKR 0.15 MM has Grown at inf%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (PKR MM)
Net Sales
At PKR 559.89 MM has Fallen at -61.48%
Year on Year (YoY)MOJO Watch
Near term sales trend is extremely negative
Net Sales (PKR MM)
Operating Profit
Lowest at PKR 41.35 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (PKR MM)
Operating Profit Margin
Lowest at 7.39 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at PKR 40.55 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (PKR MM)
Pre-Tax Profit
Fallen at -64.98%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (PKR MM)
Net Profit
Lowest at PKR 40.49 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (PKR MM)
EPS
Lowest at PKR 1.04
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (PKR)
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