FPJM Investment Managers
Finance
20.69 -1.76%
Mkt Cap
716.5M
P/E (TTM)
—
EPS (TTM)
-2.51
ROE (TTM)
—
Div Yield
—
First Punjab Modaraba (FPJM) Financial Statements, Ratios & Dividends
About
First Punjab Modaraba Services Pvt Ltd. engages in the provision of brokerage services, portfolio management, and consultancy services. The firm focuses on the business of Ijarah, Musharikah and Morabaha financing, equity investment and other related businesses in accordance with the injunctions of Islam. Its products include Islamic financing facilities, Punjab Islami financing scheme, and investment certificates. The company was founded on July 14, 1992 and is headquartered in Lahore, Pakistan.
Financial Highlights
| FY2025 | FY2024 | ||
|---|---|---|---|
| Revenue | 297.21M | 438.59M | |
| Gross Profit | 238.72M | 387.07M | |
| Net Income | -172.92M | -94.37M | |
| EPS | -5.08 | -2.77 | |
| ROA | -9.31% | -4.53% | |
| Gross Margin | 80.32% | 88.25% | |
| Net Margin | -58.18% | -21.52% | |
| DPS | 0.00 | 0.00 | |
| Free Cash Flow | 38.90M | -92.68M |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Total Interest Income | 199.84M | 243.04M | |
| Total Interest Expense | -309.33M | -370.61M | |
| Loan Loss Provision | -4.08M | -1.72M | |
| Commissions & Fees | 3.74M | 4.42M | |
| Total Revenue | 297.21M | 438.59M | |
| Operating Income | 92.06M | 257.32M | |
| Pre-Tax Income | -172.92M | -79.03M | |
| Income Tax | 0 | -15.34M | |
| Minority Interest | 0 | 0 | |
| Net Income | -172.92M | -94.37M | |
| EPS (Basic) | -5.08 | -2.77 | |
| EPS (Diluted) | -5.08 | -2.77 | |
| Operating Margin | 30.98% | 58.67% | |
| Net Margin | -58.18% | -21.52% |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Regulatory Capital | |||
| Asset Quality | |||
| Profitability | |||
| Return on Assets (ROA) | -9.31% | -4.53% | |
| Operating Margin | 30.98% | 58.67% | |
| Net Margin | -58.18% | -21.52% | |
| Deposit & Loan Structure | |||
| Per Share | |||
| Book Value Per Share | -13.66 | -8.58 | |
| Tangible Book Per Share | -13.66 | -8.59 | |
| Shares & Market | |||
| Total Shares Outstanding | 34,020,000 | 34,020,000 | |
| Market Cap | 308.22M | 106.48M | |
| Enterprise Value | 2.22B | 1.96B | |
| Employees | 35 | 40 | |
| Shareholders | 4,689 | 4,689 | |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Dividends Per Share | 0.00 | 0.00 | |
| Dividend Yield | 0.00% | 0.00% | |
| Total Dividends Paid | -500 | -76.4K |
| FY2025 | FY2024 | ||
|---|---|---|---|
| P/S Ratio | 1.04 | 0.24 | |
| P/CF Ratio | 7.60 | — | |
| EV/EBITDA | 14.37 | 6.31 | |
| Market Cap | 308.22M | 106.48M | |
| Enterprise Value | 2.22B | 1.96B |
| TTM | ||
|---|---|---|
| Income | ||
| Revenue | 270.33M | |
| Gross Profit | 215.58M | |
| Operating Income | 76.57M | |
| Net Income | -85.35M | |
| EBIT | 78.00M | |
| Free Cash Flow | 181.71M | |
| EPS (Basic) | -2.51 | |
| Margins | ||
| Gross Margin | 79.75% | |
| Operating Margin | 28.32% | |
| Net Margin | -31.57% | |
| Returns | ||
| ROIC | -0.05% | |
| Coverage & Debt | ||
| Interest Coverage | 0.3x | |
| Dividend Coverage | 316669.73 | |
| Debt / Revenue | 7.40 | |
| Valuation & Scores | ||
| Sloan Ratio | -19.41 | |
Computed Metrics (Latest Period)
| FY2025 | ||
|---|---|---|
| Extended Returns | ||
| Return on Tangible Equity | 45.69% | |
| Return on Tangible Assets | -9.31% | |
| Return on Total Capital | 5.70% | |
| Growth | ||
| EPS Diluted Growth | -0.83% | |
| Quality & Risk Scores | ||
| Altman Z-Score | 0.02 | |
| Sloan Ratio | -22.69 | |
| Valuation (Computed) | ||
| Tobin's Q Ratio | 0.18 | |
| Leverage & Coverage | ||
| Interest Coverage | 0.3x | |
| Total Debt / Capital | 1.30% | |
| Assets / Equity (Leverage) | -3.74 | |
| Net Debt / EBITDA | 12.38 | |
| Effective Interest Rate | 15.52% | |
| Debt / Revenue | 6.73 | |
| Efficiency (Computed) | ||
| Fixed Asset Turnover | 0.63 | |
| Receivables Turnover | 0.40 | |
| Dividends (Computed) | ||
| Dividend Coverage | -10856.81 | |
| Share Buyback Ratio | 0.00 | |
| Per Employee | ||
| Revenue / Employee | 8.49M | |
| Net Income / Employee | -4.94M | |
| Oper. Income / Employee | 2.63M | |
| Total Assets / Employee | 49.71M | |
| Balance Sheet (Computed) | ||
| Book Value Per Share | -13.66 | |
| Earnings Schedule | ||