ScoreWhy is The United Insurance Co. of Pakistan Ltd. ?
1
With a growth in Operating Profit of 39.63%, the company declared Very Positive results in Mar 25
- The company has declared positive results for the last 2 consecutive quarters
- OPERATING CASH FLOW(Y) Highest at PKR 1,307.76 MM
- NET SALES(HY) At PKR 4,491.38 MM has Grown at 75.65%
- NET PROFIT(HY) Higher at PKR 1,590.42 MM
2
With ROE of 31.1, it has a fair valuation with a 1 Price to Book Value
- The stock is trading at a premium 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 108.7% ; the PEG ratio of the company is 0
- At the current price, the company has a high dividend yield of 8.6
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to The United Insurance Co. of Pakistan Ltd. should be less than 10%
- Overall Portfolio exposure to Insurance should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Insurance)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is The United Insurance Co. of Pakistan Ltd. for you?
Medium Risk, Low Return
Absolute
Risk Adjusted
Volatility
The United Insurance Co. of Pakistan Ltd.
53.23%
1.33
39.93%
Pakistan KSE 100 Share
26.26%
2.81
22.77%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
17.96%
EBIT Growth (5y)
-226.16%
EBIT to Interest (avg)
0.10
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0.94
Tax Ratio
27.16%
Dividend Payout Ratio
32.94%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0.02%
ROE (avg)
19.02%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
3
Industry P/E
Price to Book Value
0.86
EV to EBIT
NA
EV to EBITDA
14.89
EV to Capital Employed
0.81
EV to Sales
0.61
PEG Ratio
0.03
Dividend Yield
NA
ROCE (Latest)
ROE (Latest)
29.94%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Mildly Bullish
Mildly Bearish
Dow Theory
Mildly Bearish
No Trend
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend1What is working for the Company
RAW MATERIAL COST(Y)
Fallen by 0% (YoY
-15What is not working for the Company
INTEREST(HY)
At PKR 9.56 MM has Grown at 118.5%
OPERATING CASH FLOW(Y)
Lowest at PKR -362.88 MM
NET PROFIT(HY)
At PKR 289.34 MM has Grown at -50.13%
OPERATING PROFIT(Q)
Lowest at PKR 106.98 MM
OPERATING PROFIT MARGIN(Q)
Lowest at 10.18 %
PRE-TAX PROFIT(Q)
Lowest at PKR 79.22 MM
Here's what is working for The United Insurance Co. of Pakistan Ltd.
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 The United Insurance Co. of Pakistan Ltd.
Interest
At PKR 9.56 MM has Grown at 118.5%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (PKR MM)
Pre-Tax Profit
At PKR 79.22 MM has Fallen at -73.57%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is very negative
Pre-Tax Profit (PKR MM)
Net Profit
At PKR 289.34 MM has Grown at -50.13%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is negative
Net Profit (PKR MM)
Operating Cash Flow
Lowest at PKR -362.88 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (PKR MM)
Operating Profit
Lowest at PKR 106.98 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (PKR MM)
Operating Profit Margin
Lowest at 10.18 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at PKR 79.22 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (PKR MM)
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