Clover Pakistan Limited (CLOV) Financial Statements, Ratios & Dividends
About
Clover Pakistan Ltd. engages in the business of selling food products, consumer durables, chemicals, and lubricants. The firm also imports and trades gantry equipment's air and oil filter and other car care products. It operates through the following segments: Business Automation and Related Services; Petrotech and Related Services; Chemicals; Lubricant; and Others. The Business Automation and Related Services segment focuses on selling office equipment and provision of related services such as installation, repair, and maintenance. The Petrotech and Related Services segment offers energy equipments, installation, repair, maintenance, and cleaning services. The Chemicals segment is involved in selling mixed xylene, vinyle acetate monomer, and hexane. The Lubricant segment includes lubricants and car maintenance products. The Others segment provides fast moving consumer goods through marts and distributors. The company was founded on September 30, 1986 and is headquartered in Karachi, Pakistan.
Financial Highlights
| FY2026 | FY2025 | ||
|---|---|---|---|
| Revenue | 7.76B | 3.68B | |
| Gross Profit | 456.25M | 399.27M | |
| Net Income | 315.75M | 253.40M | |
| EPS | 0.71 | 0.57 | |
| ROE | 45.78% | 62.53% | |
| ROA | 24.36% | 51.60% | |
| Gross Margin | 5.88% | 10.86% | |
| Net Margin | 4.07% | 6.89% | |
| Current Ratio | 1.14 | 4.39 | |
| DPS | 0.00 | 0.00 | |
| Free Cash Flow | 44.76M | 38.73M |
| FY2026 | FY2025 | ||
|---|---|---|---|
| Total Revenue | 7.76B | 3.68B | |
| Cost of Goods Sold | -7.31B | -3.28B | |
| Gross Profit | 456.25M | 399.27M | |
| SG&A Expenses | -69.32M | -132.46M | |
| Depreciation | -60.59M | -2.62M | |
| Other Operating Expense | -50.92M | -51.31M | |
| Total Operating Expense | -7.43B | -3.46B | |
| Operating Income (EBIT) | 336.01M | 215.50M | |
| Interest Income | 159.0K | 138.0K | |
| Interest Expense | -11.24M | 0 | |
| Equity in Earnings | 0 | 0 | |
| Other Non-Operating Income | -83.0K | -977.0K | |
| Total Non-Operating Income | -11.16M | -839.0K | |
| Pre-Tax Income | 324.85M | 214.66M | |
| Income Tax | -9.09M | 38.73M | |
| Minority Interest | 0 | 0 | |
| Net Income | 315.75M | 253.40M | |
| EBITDA | 396.60M | 218.13M | |
| EPS (Basic) | 0.71 | 0.57 | |
| EPS (Diluted) | 0.71 | 0.57 | |
| Gross Margin | 5.88% | 10.86% | |
| Operating Margin | 4.33% | 5.86% | |
| EBITDA Margin | 5.11% | 5.93% | |
| Pre-Tax Margin | 4.19% | 5.84% | |
| Net Margin | 4.07% | 6.89% |
| FY2026 | FY2025 | ||
|---|---|---|---|
| Profitability | |||
| Return on Equity (ROE) | 45.78% | 62.53% | |
| Return on Assets (ROA) | 24.36% | 51.60% | |
| Return on Invested Capital | 36.82% | 62.53% | |
| Gross Margin | 5.88% | 10.86% | |
| Operating Margin | 4.33% | 5.86% | |
| EBITDA Margin | 5.11% | 5.93% | |
| Net Margin | 4.07% | 6.89% | |
| Pre-Tax Margin | 4.19% | 5.84% | |
| Liquidity | |||
| Current Ratio | 1.14 | 4.39 | |
| Quick Ratio | 0.93 | 0.64 | |
| Leverage | |||
| Debt / Equity | 0.42 | 0.00 | |
| Debt / Assets | 0.18 | 0.00 | |
| LT Debt / Equity | 0.40 | 0.00 | |
| LT Debt / Assets | 0.17 | 0.00 | |
| Net Debt | 228.79M | -40.05M | |
| Total Debt | 357.71M | 0 | |
| Efficiency | |||
| Asset Turnover | 5.99 | 7.49 | |
| Inventory Turnover | 23.84 | 9.39 | |
| Per Share | |||
| Book Value Per Share | 1.89 | 1.19 | |
| Tangible Book Per Share | 1.89 | 1.19 | |
| Cash Per Share | 0.29 | 0.09 | |
| Total Debt Per Share | 0.80 | 0.00 | |
| Working Capital Per Share | 0.23 | 0.92 | |
| Shares & Market | |||
| Total Shares Outstanding | 447,675,559 | 447,672,112 | |
| Market Cap | 3.17B | 1.62B | |
| Enterprise Value | 3.40B | 1.58B | |
| Employees | 89 | 44 | |
| Shareholders | 5,815 | 5,815 | |
| FY2026 | FY2025 | ||
|---|---|---|---|
| Dividends Per Share | 0.00 | 0.00 | |
| Dividend Yield | 0.00% | 0.00% | |
| Payout Ratio | 0.00% | 0.00% | |
| Total Dividends Paid | 0 | 0 |
| FY2026 | FY2025 | ||
|---|---|---|---|
| P/E Ratio | 10.05 | 6.37 | |
| P/B Ratio | 3.74 | 3.04 | |
| P/S Ratio | 0.41 | 0.44 | |
| P/CF Ratio | 4.22 | 23.75 | |
| EV/EBITDA | 8.58 | 7.22 | |
| Market Cap | 3.17B | 1.62B | |
| Enterprise Value | 3.40B | 1.58B |
| TTM | ||
|---|---|---|
| Income | ||
| Revenue | 7.76B | |
| Gross Profit | 503.83M | |
| Operating Income | 359.39M | |
| Net Income | 315.89M | |
| EBIT | 359.39M | |
| Free Cash Flow | 44.76M | |
| EPS (Basic) | 0.71 | |
| Margins | ||
| Gross Margin | 6.49% | |
| Operating Margin | 4.63% | |
| Net Margin | 4.07% | |
| Returns | ||
| Return on Equity (ROE) | 45.80% | |
| ROIC | 0.37% | |
| Coverage & Debt | ||
| Interest Coverage | 35.2x | |
| Debt / Revenue | 0.05 | |
| Valuation & Scores | ||
| P/E (TTM) | 8.67 | |
| Sloan Ratio | 13.99 | |
| Zmijewski Score | -1.87 | |
Computed Metrics (Latest Period)
| FY2026 | ||
|---|---|---|
| Extended Returns | ||
| Return on Common Equity | 45.78% | |
| Return on Tangible Equity | 45.78% | |
| Return on Tangible Assets | 24.36% | |
| Return on Total Capital | 38.68% | |
| ROCE | 39.18% | |
| Growth | ||
| EPS Diluted Growth | 0.25% | |
| Sustainable Growth Rate | 45.78% | |
| Quality & Risk Scores | ||
| Piotroski F-Score | 3 | |
| Zmijewski Score | -1.87 | |
| Sloan Ratio | 13.98 | |
| Valuation (Computed) | ||
| Graham Number | 5.48 | |
| Tobin's Q Ratio | 1.64 | |
| Leverage & Coverage | ||
| Interest Coverage | 29.9x | |
| Total Debt / Capital | 0.30% | |
| Assets / Equity (Leverage) | 2.29 | |
| Net Debt / EBITDA | 0.58 | |
| Effective Interest Rate | 6.28% | |
| Debt / Revenue | 0.05 | |
| Efficiency (Computed) | ||
| Fixed Asset Turnover | 15.00 | |
| Receivables Turnover | 25.37 | |
| Dividends (Computed) | ||
| Payout Ratio | 0.00% | |
| Share Buyback Ratio | -0.00 | |
| Per Employee | ||
| Revenue / Employee | 87.21M | |
| Net Income / Employee | 3.55M | |
| Oper. Income / Employee | 3.78M | |
| Total Assets / Employee | 21.78M | |
| Balance Sheet (Computed) | ||
| Tangible Assets | 1.94B | |
| Invested Capital | 1.18B | |
| Working Capital | 104.55M | |
| Book Value Per Share | 1.89 | |
| Earnings Schedule | ||