ScoreWhy is TPL Insurance Ltd. ?
1
Weak Long Term Fundamental Strength with an average Return on Equity (ROE) of 10.18%
- Poor long term growth as Operating profit has grown by an annual rate of 0%
- The company has been able to generate a Return on Equity (avg) of 10.18% signifying low profitability per unit of shareholders funds
2
Poor long term growth as Operating profit has grown by an annual rate of 0%
3
Flat results in Mar 25
- PRE-TAX PROFIT(Q) Lowest at PKR -8.34
- NET PROFIT(Q) Lowest at PKR -17.52 MM
- EPS(Q) Lowest at PKR -0.09 MM
4
Risky -
- The stock is trading risky as compared to its average historical valuations
- Over the past year, while the stock has generated a return of 0%, its profits have fallen by -94%
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 TPL Insurance Ltd. for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
TPL Insurance Ltd.
-100.0%
-0.79
48.19%
Pakistan KSE 100 Share
60.28%
2.81
22.77%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
12.90%
EBIT Growth (5y)
0
EBIT to Interest (avg)
8.53
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
50.50%
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0.01%
ROE (avg)
10.18%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
52
Industry P/E
Price to Book Value
1.38
EV to EBIT
NA
EV to EBITDA
-2.81
EV to Capital Employed
0.32
EV to Sales
-0.13
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
ROE (Latest)
2.67%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend10What is working for the Company
OPERATING CASH FLOW(Y)
Highest at PKR 682.67 MM
NET PROFIT(HY)
Higher at PKR -20.14 MM
DEBT-EQUITY RATIO
(HY)
Lowest at -94.38 %
INTEREST COVERAGE RATIO(Q)
Highest at 571.69
RAW MATERIAL COST(Y)
Fallen by 0% (YoY
NET SALES(Q)
Highest at PKR 1,015.33 MM
-9What is not working for the Company
NET PROFIT(Q)
At PKR -17.52 MM has Fallen at -288.87%
PRE-TAX PROFIT(Q)
Lowest at PKR -8.34 MM
EPS(Q)
Lowest at PKR -0.09
Here's what is working for TPL Insurance Ltd.
Interest Coverage Ratio
Highest at 571.69
in the last five periodsMOJO Watch
The company's ability to manage interest payments is improving
Operating Profit to Interest
Debt-Equity Ratio
Lowest at -94.38 % and Grown
In each half year in the last five Semi-Annual periodsMOJO Watch
The company has been reducing its borrowing as compared to equity capital
Debt-Equity Ratio
Operating Cash Flow
Highest at PKR 682.67 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (PKR MM)
Net Sales
Highest at PKR 1,015.33 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (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 TPL Insurance Ltd.
Pre-Tax Profit
At PKR -8.34 MM has Fallen at -192.2%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is very negative
Pre-Tax Profit (PKR MM)
Net Profit
At PKR -17.52 MM has Fallen at -288.87%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very negative
Net Profit (PKR MM)
Pre-Tax Profit
Lowest at PKR -8.34 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (PKR MM)
Net Profit
Lowest at PKR -17.52 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (PKR MM)
EPS
Lowest at PKR -0.09
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (PKR)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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