FIBLM Finance/Rental/Leasing
Finance
15.69 +2.15%
Mkt Cap
333.1M
P/E (TTM)
16.40
EPS (TTM)
0.94
ROE (TTM)
8.47%
Div Yield
—
First IBL Modaraba (FIBLM) Financial Statements, Ratios & Dividends
About
First IBL Modaraba engages in the provision of Islamic modes of financing and operations including Ijarah, Musharaka, and Murabaha arrangements. Its products include Musharika, Ijarah, Morabaha, and House Finance. It operates through the following segments: Ijarah Finances, Musharikah Finances, and Investment Property. The company was founded on October 19, 1989 and is headquartered in Lahore, Pakistan.
Financial Highlights
| FY2025 | FY2024 | ||
|---|---|---|---|
| Revenue | 49.89M | 52.04M | |
| Gross Profit | 29.41M | 33.21M | |
| Net Income | 26.84M | 10.98M | |
| EPS | 1.24 | 0.51 | |
| ROE | 11.80% | 5.29% | |
| ROA | 10.41% | 4.67% | |
| Gross Margin | 58.95% | 63.82% | |
| Net Margin | 53.80% | 21.10% | |
| DPS | 0.00 | 0.00 | |
| Free Cash Flow | 6.90M | 20.52M |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Total Interest Income | 25.81M | 28.83M | |
| Total Interest Expense | -5.4K | -4.8K | |
| Commissions & Fees | 0 | 0 | |
| Total Revenue | 49.89M | 52.04M | |
| Operating Income | 15.10M | 21.43M | |
| Pre-Tax Income | 19.25M | 21.42M | |
| Income Tax | 7.59M | -10.44M | |
| Minority Interest | 0 | 0 | |
| Net Income | 26.84M | 10.98M | |
| EPS (Basic) | 1.24 | 0.51 | |
| EPS (Diluted) | 1.24 | 0.51 | |
| Operating Margin | 30.27% | 41.18% | |
| Net Margin | 53.80% | 21.10% |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Regulatory Capital | |||
| Asset Quality | |||
| Profitability | |||
| Return on Equity (ROE) | 11.80% | 5.29% | |
| Return on Assets (ROA) | 10.41% | 4.67% | |
| Operating Margin | 30.27% | 41.18% | |
| Net Margin | 53.80% | 21.10% | |
| Deposit & Loan Structure | |||
| Per Share | |||
| Book Value Per Share | 11.26 | 9.99 | |
| Tangible Book Per Share | 11.26 | 9.99 | |
| Shares & Market | |||
| Total Shares Outstanding | 21,687,500 | 21,687,500 | |
| Market Cap | 104.10M | 62.46M | |
| Enterprise Value | -81.15M | -45.71M | |
| Employees | 5 | 6 | |
| Shareholders | 1,242 | 1,242 | |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Dividends Per Share | 0.00 | 0.00 | |
| Dividend Yield | 0.00% | 0.00% | |
| Payout Ratio | 0.00% | 0.00% | |
| Total Dividends Paid | -106.8K | 0 |
| FY2025 | FY2024 | ||
|---|---|---|---|
| P/E Ratio | 3.88 | 5.69 | |
| P/B Ratio | 0.43 | 0.29 | |
| P/S Ratio | 2.09 | 1.20 | |
| P/CF Ratio | 2.82 | 2.27 | |
| EV/EBITDA | -2.46 | -1.21 | |
| Market Cap | 104.10M | 62.46M | |
| Enterprise Value | -81.15M | -45.71M |
| TTM | ||
|---|---|---|
| Income | ||
| Revenue | 46.24M | |
| Gross Profit | 25.86M | |
| Operating Income | 13.69M | |
| Net Income | 20.32M | |
| EBIT | 13.69M | |
| EPS (Basic) | 0.94 | |
| Margins | ||
| Gross Margin | 55.92% | |
| Operating Margin | 29.60% | |
| Net Margin | 43.94% | |
| Returns | ||
| Return on Equity (ROE) | 8.47% | |
| ROIC | 0.08% | |
| Coverage & Debt | ||
| Interest Coverage | 2554.8x | |
| Dividend Coverage | 63.20 | |
| Debt / Revenue | 0.00 | |
| Valuation & Scores | ||
| P/E (TTM) | 16.40 | |
| Sloan Ratio | 2.88 | |
Computed Metrics (Latest Period)
| FY2025 | ||
|---|---|---|
| Extended Returns | ||
| Return on Common Equity | 11.80% | |
| Return on Tangible Equity | 11.65% | |
| Return on Tangible Assets | 10.29% | |
| Return on Total Capital | 6.64% | |
| Growth | ||
| EPS Diluted Growth | 1.34% | |
| Sustainable Growth Rate | 11.80% | |
| Quality & Risk Scores | ||
| Altman Z-Score | 3.11 | |
| Sloan Ratio | -17.91 | |
| Valuation (Computed) | ||
| Graham Number | 17.71 | |
| Tobin's Q Ratio | 0.38 | |
| Leverage & Coverage | ||
| Interest Coverage | 2818.8x | |
| Total Debt / Capital | 0.00% | |
| Assets / Equity (Leverage) | 1.12 | |
| Net Debt / EBITDA | -5.62 | |
| Debt / Revenue | 0.00 | |
| Efficiency (Computed) | ||
| Fixed Asset Turnover | 1.23 | |
| Receivables Turnover | 0.78 | |
| Dividends (Computed) | ||
| Payout Ratio | 0.00% | |
| Dividend Coverage | 258.21 | |
| Share Buyback Ratio | 0.00 | |
| Per Employee | ||
| Revenue / Employee | 9.98M | |
| Net Income / Employee | 5.37M | |
| Oper. Income / Employee | 3.02M | |
| Total Assets / Employee | 54.77M | |
| Balance Sheet (Computed) | ||
| Book Value Per Share | 11.26 | |
| Earnings Schedule | ||