PAKQATAR Life/Health Insurance
Finance
16.54 +0.24%
Mkt Cap
3.8B
P/E (TTM)
6.17
EPS (TTM)
2.68
ROE (TTM)
—
Div Yield
6.05%
Pak Qatar Family Takaful Limited (PAKQATAR) Financial Statements, Ratios & Dividends
About
Pak-Qatar Family Takaful Ltd. is a takaful islamic insurance company. It offers comprehensive takaful and investment solutions that adhere to the principles of shariah law. The company was founded in March 2006 and is headquartered in Karachi, Pakistan.
Financial Highlights
| FY2025 | FY2024 | ||
|---|---|---|---|
| Revenue | 31.18B | 32.97B | |
| Net Income | 394.25M | 278.16M | |
| EPS | 2.66 | 2.13 | |
| ROE | 10.89% | 10.25% | |
| ROA | 0.59% | 0.52% | |
| Net Margin | 1.26% | 0.84% | |
| Current Ratio | 1.92 | 2.17 | |
| DPS | 1.00 | — | |
| Free Cash Flow | 2.20B | 13.17B |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Total Revenue | 31.18B | 32.97B | |
| SG&A Expenses | -2.24B | -2.33B | |
| Other Operating Expense | 5.33B | 5.37B | |
| Total Operating Expense | -30.72B | -32.61B | |
| Operating Income (EBIT) | 460.41M | 359.99M | |
| Interest Income | 0 | 0 | |
| Interest Expense | -29.08M | -27.07M | |
| Equity in Earnings | 0 | 0 | |
| Other Non-Operating Income | 625.8K | -77.0K | |
| Total Non-Operating Income | 71.54M | 14.90M | |
| Pre-Tax Income | 531.95M | 374.90M | |
| Income Tax | -137.70M | -96.74M | |
| Minority Interest | 0 | 0 | |
| Net Income | 394.25M | 278.16M | |
| EPS (Basic) | 2.66 | 2.13 | |
| EPS (Diluted) | 2.66 | 2.13 | |
| Operating Margin | 1.48% | 1.09% | |
| Pre-Tax Margin | 1.71% | 1.14% | |
| Net Margin | 1.26% | 0.84% |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Profitability | |||
| Return on Equity (ROE) | 10.89% | 10.25% | |
| Return on Assets (ROA) | 0.59% | 0.52% | |
| Return on Invested Capital | 10.65% | 9.96% | |
| Operating Margin | 1.48% | 1.09% | |
| Net Margin | 1.26% | 0.84% | |
| Pre-Tax Margin | 1.71% | 1.14% | |
| Liquidity | |||
| Current Ratio | 1.92 | 2.17 | |
| Leverage | |||
| Debt / Equity | 0.04 | 0.05 | |
| Debt / Assets | 0.00 | 0.00 | |
| LT Debt / Equity | 0.02 | 0.02 | |
| LT Debt / Assets | 0.00 | 0.00 | |
| Net Debt | -3.67B | -4.25B | |
| Total Debt | 195.72M | 134.00M | |
| Efficiency | |||
| Asset Turnover | 0.47 | 0.62 | |
| Per Share | |||
| Book Value Per Share | 19.18 | 21.55 | |
| Tangible Book Per Share | 18.88 | 20.97 | |
| Total Debt Per Share | 1.32 | 1.03 | |
| Working Capital Per Share | 12.20 | 26.70 | |
| Shares & Market | |||
| Total Shares Outstanding | 230,712,440 | 130,712,440 | |
| Market Cap | 4.57B | — | |
| Enterprise Value | 3.13B | — | |
| Shareholders | 7,208 | 7,208 | |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Dividends Per Share | 1.00 | — | |
| Dividend Yield | 5.05% | — | |
| Payout Ratio | 37.60% | — | |
| Total Dividends Paid | -108.62M | -65.36M |
| FY2025 | FY2024 | ||
|---|---|---|---|
| P/E Ratio | 7.45 | — | |
| P/B Ratio | 1.03 | — | |
| P/S Ratio | 0.09 | — | |
| P/CF Ratio | 1.22 | — | |
| Market Cap | 4.57B | — | |
| Enterprise Value | 3.13B | — |
| TTM | ||
|---|---|---|
| Income | ||
| Revenue | 37.77B | |
| Operating Income | -4.65M | |
| Net Income | 480.26M | |
| EPS (Basic) | 2.68 | |
| Margins | ||
| Operating Margin | -0.01% | |
| Net Margin | 1.27% | |
| Returns | ||
| Coverage & Debt | ||
| Debt / Revenue | 0.01 | |
| Valuation & Scores | ||
| P/E (TTM) | 6.17 | |
| Sloan Ratio | 3.09 | |
| Zmijewski Score | 1.01 | |
Computed Metrics (Latest Period)
| FY2025 | ||
|---|---|---|
| Extended Returns | ||
| Return on Common Equity | 10.89% | |
| Return on Tangible Equity | 11.11% | |
| Return on Tangible Assets | 0.59% | |
| Return on Total Capital | 12.16% | |
| ROCE | 0.72% | |
| Growth | ||
| EPS Diluted Growth | 0.25% | |
| Sustainable Growth Rate | 6.79% | |
| Quality & Risk Scores | ||
| Zmijewski Score | 0.97 | |
| Sloan Ratio | 3.09 | |
| Valuation (Computed) | ||
| Graham Number | 33.88 | |
| Tobin's Q Ratio | 0.06 | |
| Leverage & Coverage | ||
| Total Debt / Capital | 0.04% | |
| Assets / Equity (Leverage) | 16.11 | |
| Effective Interest Rate | 17.64% | |
| Debt / Revenue | 0.01 | |
| Efficiency (Computed) | ||
| Fixed Asset Turnover | 57.83 | |
| Dividends (Computed) | ||
| Dividend Coverage | 21.27 | |
| Share Buyback Ratio | -76.50 | |
| Per Employee | ||
| Balance Sheet (Computed) | ||
| Book Value Per Share | 19.18 | |
| Earnings Schedule | ||
Insurance Metrics
| FY2025 | FY2024 | ||
|---|---|---|---|
| Underwriting | |||
| Premiums Earned | 28.56B | 27.05B | |
| Losses & Adjustments | -26.33B | -17.49B | |
| Claims & Reserves | -33.81B | -35.65B | |
| Underwriting Commissions | -1.33B | -1.41B | |
| Investment Income | -1.53B | -278.44M | |
| Insurance Ratios | |||
| Loss Ratio | 92.19% | 64.67% | |
| Expense Ratio | 7.85% | 8.62% | |
| Combined Ratio | 100.04% | 73.29% | |
| Claims / Premiums | 92.19% | 64.67% | |
| Equity Ratio | 0.06% | 0.05% | |
| Investment Income / Assets | -2.36% | -0.50% | |
| Premiums / Equity | 788.77% | 996.46% | |
| Insurance Liabilities | |||
| Policy Liabilities | 2.35B | 2.49B | |
| Unearned Premiums | 0 | 0 | |
| Policy Claims | 1.73B | 1.87B | |
| Premium Receivables | 578.75M | 842.19M | |