First IBL Modaraba (FIBLM) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

First IBL Modaraba

First Habib Modaraba

OLP Modaraba

OLP Financial Services Pakistan Ltd.

First Dawood Properties Ltd.

Allied Rental Modaraba

Why is First IBL Modaraba ?

Weak Long Term Fundamental Strength with an average Return on Equity (ROE) of 3.84%

Poor long term growth as Net Sales has grown by an annual rate of 11.75%
The company has been able to generate a Return on Equity (avg) of 3.84% signifying low profitability per unit of shareholders funds

Poor long term growth as Net Sales has grown by an annual rate of 11.75%

Positive results in Mar 25

OPERATING CASH FLOW(Y) Highest at PKR 118.08 MM
DEBT-EQUITY RATIO (HY) Lowest at -76.52 %
DEBTORS TURNOVER RATIO(HY) Highest at 0.64%

With ROE of 7.4, it has a very expensive valuation with a 0.3 Price to Book Value

Over the past year, while the stock has generated a return of 0%, its profits have risen by 1.7% ; the PEG ratio of the company is 2.4

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to First IBL Modaraba should be less than 10%
Overall Portfolio exposure to Finance should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Finance)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is First IBL Modaraba for you?

High Risk, Low Return

Absolute

Risk Adjusted

Volatility

First IBL Modaraba

44.67%

0.41

98.71%

Pakistan KSE 100 Share

60.28%

2.81

22.77%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

12.76%

EBIT Growth (5y)

31.46%

EBIT to Interest (avg)

7.14

Debt to EBITDA (avg)

Negative Net Debt

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

0.21

Tax Ratio

22.44%

Dividend Payout Ratio

Pledged Shares

Institutional Holding

ROCE (avg)

11.25%

ROE (avg)

3.84%

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.05

EV to EBIT

2.96

EV to EBITDA

1.77

EV to Capital Employed

1.20

EV to Sales

1.26

PEG Ratio

8.16

Dividend Yield

ROCE (Latest)

40.70%

ROE (Latest)

7.41%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bearish

Bollinger Bands

Mildly Bullish

Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

Mildly Bearish

Mildly Bullish

OBV

Mildly Bearish

Mildly Bullish

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

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

17What is working for the Company

OPERATING CASH FLOW(Y)

Highest at PKR 118.08 MM

DEBT-EQUITY RATIO (HY)

Lowest at -76.52 %

DEBTORS TURNOVER RATIO(HY)

Highest at 0.64%

RAW MATERIAL COST(Y)

Fallen by -27.67% (YoY

CASH AND EQV(HY)

Highest at PKR 303.05 MM

PRE-TAX PROFIT(Q)

Highest at PKR 8.12 MM

NET PROFIT(Q)

Highest at PKR 10.88 MM

EPS(Q)

Highest at PKR 0.5

0What is not working for the Company

NO KEY NEGATIVE TRIGGERS

Here's what is working for First IBL Modaraba

Operating Cash Flow

Highest at PKR 118.08 MM and Grown

In each year in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (PKR MM)

Net Profit

At PKR 10.88 MM has Grown at 334.89%

over average net sales of the previous four periods of PKR 2.5 MM

MOJO Watch

Near term Net Profit trend is very positive

Net Profit (PKR MM)

Debt-Equity Ratio

Lowest at -76.52 % and Grown

In each half year in the last five Semi-Annual periods

MOJO Watch

The company has been reducing its borrowing as compared to equity capital

Debt-Equity Ratio

Debtors Turnover Ratio

Highest at 0.64% and Grown

In each half year in the last five Semi-Annual periods

MOJO Watch

Company has been able to sell its Debtors faster

Debtors Turnover Ratio

Pre-Tax Profit

Highest at PKR 8.12 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (PKR MM)

Net Profit

Highest at PKR 10.88 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (PKR MM)

EPS

Highest at PKR 0.5

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (PKR)

Cash and Eqv

Highest at PKR 303.05 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents

Raw Material Cost

Fallen by -27.67% (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