ScoreWhy is IGI Life Insurance Ltd. ?
1
Weak Long Term Fundamental Strength with an average Return on Equity (ROE) of 4.40%
- Poor long term growth as Net Sales has grown by an annual rate of 23.00% and Operating profit at 0%
- The company has been able to generate a Return on Equity (avg) of 4.40% signifying low profitability per unit of shareholders funds
2
Poor long term growth as Net Sales has grown by an annual rate of 23.00% and Operating profit at 0%
3
The company has declared Positive results for the last 11 consecutive quarters
- OPERATING CASH FLOW(Y) Highest at PKR 8,500.54 MM
- NET PROFIT(HY) At PKR 164.93 MM has Grown at 93.35%
- ROCE(HY) Highest at 14.11%
4
With ROE of 11.9, it has a fair valuation with a 1.6 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 0%, its profits have risen by 95% ; the PEG ratio of the company is 0.1
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Insurance)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is IGI Life Insurance Ltd. for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
IGI Life Insurance Ltd.
51.4%
0.78
63.36%
Pakistan KSE 100 Share
60.28%
2.81
22.77%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
23.00%
EBIT Growth (5y)
0
EBIT to Interest (avg)
1.67
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
30.64%
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
4.40%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Industry P/E
Price to Book Value
1.40
EV to EBIT
NA
EV to EBITDA
21.66
EV to Capital Employed
1.56
EV to Sales
0.15
PEG Ratio
0.13
Dividend Yield
NA
ROCE (Latest)
ROE (Latest)
11.43%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bearish
Bullish
Dow Theory
Mildly Bullish
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend13What is working for the Company
OPERATING CASH FLOW(Y)
Highest at PKR 8,500.54 MM
NET PROFIT(HY)
At PKR 164.93 MM has Grown at 93.35%
ROCE(HY)
Highest at 14.11%
INTEREST COVERAGE RATIO(Q)
The company hardly has any interest cost
RAW MATERIAL COST(Y)
Fallen by 0% (YoY
-2What is not working for the Company
INTEREST(HY)
At PKR 10.86 MM has Grown at 61.72%
Here's what is working for IGI Life Insurance Ltd.
Operating Cash Flow
Highest at PKR 8,500.54 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (PKR MM)
Net Profit
At PKR 164.93 MM has Grown at 93.35%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (PKR MM)
Raw Material Cost
Fallen by 0% (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 IGI Life Insurance Ltd.
Interest
At PKR 10.86 MM has Grown at 61.72%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (PKR MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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