The United Insurance Co. of Pakistan Ltd. (UNIC) Stock Analysis | Price, Returns, Financials & Key Metrics

Price Point

High/Low

1Day

52 Week

Valuation

Technical

Day's Volume

CASH

N/A

Shareholding

FII

N/A

DII

N/A

Promoter

N/A

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Dashboard

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

With ROE of 31.1, it has a fair valuation with a 1 Price to Book Value

Mojo Parameters

Stock DNA

Industry

Insurance

Market cap

PKR 6,221 Million (Small Cap)

P/E

3.00

Industry P/E

Dividend Yield

0.00%

Debt Equity

-0.18

Return on Equity

27.46%

Price to Book

0.91

Revenue and Profits:

Net Sales:

(Quarterly Results - Mar 2025)

Net Profit:

523 Million

Total Returns

Total Returns (Price + Dividend)

TimePeriod

Price Return

Dividend Return

Total Return

3 Months

9.56%

6 Months

21.11%

1 Year

53.23%

2 Years

93.54%

3 Years

166.9%

4 Years

152.49%

5 Years

180.63%

The United Insurance Co. of Pakistan Ltd. for the last several years.

Risk Adjusted Returns v/s

News & Corporate Actions

News

No Recent News for the Company

Announcements

No announcement available

Corporate Actions

No corporate action available

Key Factors

Quality key factors

Factor

Value

Sales Growth (5y)

17.96%

EBIT Growth (5y)

-226.16%

EBIT to Interest (avg)

0.10

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

0.92

Tax Ratio

27.16%

Dividend Payout Ratio

32.94%

Pledged Shares

Institutional Holding

ROCE (avg)

0.02%

ROE (avg)

19.02%

Valuation key factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.86

EV to EBIT

EV to EBITDA

14.89

EV to Capital Employed

0.81

EV to Sales

0.61

PEG Ratio

0.03

Dividend Yield

ROCE (Latest)

ROE (Latest)

29.94%

Technicals key factors

Indicator

Weekly

Monthly

MACD

Bearish

Mildly Bearish

RSI

Bullish

No Signal

Bollinger Bands

Mildly Bearish

Bullish

Moving Averages

Bearish (Daily)

KST

Bearish

Mildly Bearish

Dow Theory

Mildly Bearish

No Trend

OBV

Mildly Bullish

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

Shareholding

Shareholding Snapshot

No data for shareholding present.

Shareholding Compare (%holding)

No data for shareholding present.

Financial

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  {
    "link": "quarterly",
    "btn_text": "All Quarterly Results",
    "header": "Quarterly Results Snapshot (Consolidated) - Mar'25 - YoY",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "YoY Growth in quarter ended Mar 2025 is 0.00% vs 0.00% in Mar 2024",
        "dir": 0
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": "YoY Growth in quarter ended Mar 2025 is 37.88% vs 10.03% in Mar 2024",
        "dir": 1
      }
    ],
    "table": {
      "header": [
        "Mar'25",
        "Mar'24",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "67.00",
          "val2": "48.00",
          "chgp": "39.58%",
          "chgp_class": "positive"
        },
        {
          "field": "Interest",
          "val1": "4.70",
          "val2": "0.90",
          "chgp": "422.22%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "523.10",
          "val2": "379.40",
          "chgp": "37.88%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "456.10%",
          "val2": "367.00%",
          "chgp": "8.91%",
          "chgp_class": "positive"
        }
      ]
    }
  },
  {
    "link": "annual",
    "btn_text": "All Annual Results",
    "header": "Annual Results Snapshot (Consolidated) - Dec'24",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "YoY Growth in year ended Dec 2024 is 0.00% vs 0.00% in Dec 2023",
        "dir": 0
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": "YoY Growth in year ended Dec 2024 is 101.60% vs 9.08% in Dec 2023",
        "dir": 1
      }
    ],
    "table": {
      "header": [
        "Dec'24",
        "Dec'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "258.70",
          "val2": "238.40",
          "chgp": "8.52%",
          "chgp_class": "positive"
        },
        {
          "field": "Interest",
          "val1": "15.50",
          "val2": "12.90",
          "chgp": "20.16%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
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        {
          "field": "Consolidate Net Profit",
          "val1": "2,026.90",
          "val2": "1,005.40",
          "chgp": "101.60%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "415.70%",
          "val2": "292.60%",
          "chgp": "12.31%",
          "chgp_class": "positive"
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      ]
    }
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]

Quarterly Results Snapshot (Consolidated) - Mar'25 - YoY

Mar'25

Mar'24

Change(%)

Net Sales

0.00

Operating Profit (PBDIT) excl Other Income

67.00

48.00

39.58%

Interest

4.70

0.90

422.22%

Exceptional Items

0.00

Consolidate Net Profit

523.10

379.40

37.88%

Operating Profit Margin (Excl OI)

456.10%

367.00%

8.91%

USD in Million.

Compare with Peers

Net Sales

YoY Growth in quarter ended Mar 2025 is 0.00% vs 0.00% in Mar 2024

Consolidated Net Profit

YoY Growth in quarter ended Mar 2025 is 37.88% vs 10.03% in Mar 2024

All Quarterly Results

Annual Results Snapshot (Consolidated) - Dec'24

Dec'24

Dec'23

Change(%)

Net Sales

0.00

Operating Profit (PBDIT) excl Other Income

258.70

238.40

8.52%

Interest

15.50

12.90

20.16%

Exceptional Items

0.00

Consolidate Net Profit

2,026.90

1,005.40

101.60%

Operating Profit Margin (Excl OI)

415.70%

292.60%

12.31%

USD in Million.

Compare with Peers

Net Sales

YoY Growth in year ended Dec 2024 is 0.00% vs 0.00% in Dec 2023

Consolidated Net Profit

YoY Growth in year ended Dec 2024 is 101.60% vs 9.08% in Dec 2023

All Annual Results

Company CV

About The United Insurance Co. of Pakistan Ltd.

The United Insurance Co. of Pakistan Ltd.

Insurance

The United Insurance Company of Pakistan Limited is a Pakistan-based general insurance company. The Company operates through four segments, including fire, marine, motor, and health and miscellaneous. The fire segment includes insurance for fire and allied perils, property all risk, industrial all risk, burglary, contractors all risk and machinery breakdown. The marine segment includes insurance for marine cargo export, marine cargo import, marine cargo inland transit and marine hull. The motor segment includes insurance for commercial vehicle comprehensive, private vehicle comprehensive, motor cycle comprehensive and motor third-party liability. The miscellaneous segment includes insurance for performance bond, maintenance bond, cash in safe, cash in transit, workmen's compensation, travel, aviation, health, livestock and crop. The Company's General business include Group Health Insurance, Travel Insurance (Health), Travel Bonds and Guarantees, Livestock and Crop Insurance.

Company Coordinates

Company Details

UIG House, 2nd Floor, 6-D, Upper Mall , KARACHI None : None

Tel: 92 42 35776475

http://www.theunitedinsurance.com/eng/

Registrar Details