Financials / InsuranceUpdated 2026-05-10 22:07 UTC

PSX/UNIC stock hub

PSX/UNIC has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

6.2B

Pakistan Stock Exchange

Market data

Live price

Current market quote for this ticker.

Current price

PSX/UNIC

In the news

Latest news · PSX/UNIC

Recent company headlines from major financial publishers.

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Fetching the latest headlines.

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Fetching the latest headlines.

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Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/En/a

P25 5.8P50 6.5P75 7.2

Trailing P/E3.4

P25 5.4P50 6.5P75 9.8

ROE19.8

P25 6.2P50 14.9P75 20

ROIC18.2

P25 3.1P50 9.5P75 15.3

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All PSX/UNIC market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

213

Groups with data

Currency

PKR

Showing 213 of 213 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Country	Pakistan
Country code	PK
Employees	695
Employees Change	-190%
Employees Change Percent	-21.47
Enterprise value	PKR 5.5B
Exchange	Pakistan Stock Exchange
Financial currency	PKR
First seen	2026-05-10
Industry	Insurance
Isin	PK0004801012
Last refreshed	2026-05-10
Market cap	PKR 6.2B
Price	PKR 12.39
Price currency	PKR
Rev Per Employee	7,697,467.85x
Sector	Financials
Sic	6300
Symbol	psx/UNIC
Website	https://www.theunitedinsurance.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	24.84%
EV Earnings	3.61x
EV/EBIT	2.45x
EV/EBITDA	2.19x
EV/FCF	8.68x
EV/Sales	1.04x
FCF yield	10.32%
P/B ratio	0.73x
P/E ratio	3.36x
P/S ratio	1.16x
PE Ratio10 Y	5.82x
PE Ratio3 Y	3.53x
PE Ratio5 Y	3.67x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT Margin	42.34%
EBITDA Margin	46.53%
FCF margin	11.93%
Gross margin	57.7%
Gross Profit	PKR 3.1B
Net Income	PKR 1.5B
Net Income Growth	-29.21%
Net Income Growth Q	5.8%
Net Income Growth3 Y	17.04%
Net Income Growth5 Y	28.53%
Pretax Margin	42.6%
Profit Margin	28.72%
Profit Per Employee	PKR 2.2M
ROA	6.83
Roa5y	7.49
ROCE	16.52
ROE	19.82
Roe5y	22.27
ROIC	18.16
Roic5y	22.78

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr10y	19.77%
Cagr15y	33.45%
Cagr1y	-9.46%
Cagr20y	23.61%
Cagr3y	41.53%
Cagr5y	47.47%
Div CAGR10	20.83%
Div CAGR3	65.1%
Div CAGR5	49.63%
EPS Growth	-18.72
EPS Growth Q	14.53
EPS Growth3 Y	17.83
EPS Growth5 Y	29.09
FCF Growth	-16.48%
FCF Growth3 Y	21.32%
FCF Growth5 Y	7.32%
OCF Growth	-51.85%
OCF Growth10 Y	0.93%
OCF Growth3 Y	-2.1%
OCF Growth5 Y	2.55%
Revenue Growth	-7.46x
Revenue Growth Q	7.05x
Revenue Growth3 Y	12.42x
Revenue Growth5 Y	21.31x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Asset Turnover	PKR 0.26
Assets	PKR 22.7B
Cash	PKR 1.9B
Debt	PKR 147.9M
Debt EBITDA	PKR 0.06
Debt Equity	PKR 0.02
Debt FCF	PKR 0.23
Equity	PKR 8.5B
Interest Coverage	124.3
Liabilities	PKR 14.2B
Net Cash	PKR 645.9M
Net Cash By Market Cap	PKR 10.44
Net Cash Growth	409.81%
Net Debt EBITDA	PKR -0.26
Net Debt Equity	PKR -0.08
Net Debt FCF	PKR -1.01
Tangible Book Value	PKR 8.5B
Tangible Book Value Per Share	PKR 16.96
WACC	3.36

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Current ratio	1.46
Net Working Capital	PKR 3.4B
Quick ratio	0.8
Working Capital	PKR 4.2B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	12.91%
Dividend per share	PKR 0
Last Dividend	PKR 1.39

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y total return	507.03%
1Y total return	-9.45%
200-day SMA	12.77
3Y total return	183.58%
50-day SMA	12.56
50-day SMA vs 200-day SMA	50under200
5Y total return	597.25%
All Time High	14.58
All Time High Change	-15.04%
All Time High Date	2025-04-21
All Time Low	0.07
All Time Low Change	16,643.24%
All Time Low Date	2000-10-17
ATR	0.55
Beta	-0.18
Beta1y	0.14
Beta2y	0.09
Ch YTD	-0.82
High	13.24
High52	14.58
High52 Date	2025-05-16
High52ch	-14.99%
Low	12.3
Low52	10.83
Low52 Date	2026-03-09
Low52ch	14.37%
Ma50ch	-1.38%
Price vs 200-day SMA	-2.99%
RSI	45.64
RSI Monthly	56.7
RSI Weekly	46.39
Sharpe ratio	-0.5x
Sortino ratio	-0.47
Total Return	12.91%
Tr YTD	-0.81
Tr15y	7,485.17%
Tr1m	-3.05%
Tr1w	-1.12%
Tr3m	1.07%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Operating Income	PKR 2.3B
Operating margin	42.34

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	64,313,365%
Net Borrowing	-197,205,049
Shares Insiders	5.7%
Shares Institutions	4.75%
Shares Out	499,321,997
Shares Qo Q	71.15%
Shares Yo Y	-12.91%

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Adjusted FCF	PKR 638.3M
Average Volume	50,696.9x
Bv Per Share	17.11
CAPEX	PKR 52.2M
Ch10y	73.21
Ch15y	2,064.6
Ch1m	-3.05
Ch1w	-1.12
Ch1y	-9.45
Ch20y	1,879.2
Ch3m	1.08
Ch3y	82.05
Ch5y	126.7
Ch6m	-0.88
Change	0.65%
Change From Open	-6.42
Close	12.31
Days Gap	7.55
Dollar Volume	375,615.2
Earnings Date	2026-04-25
EBIT	PKR 2.3B
EBITDA	PKR 2.5B
EPS	PKR 3.69
F Score	4
FCF	PKR 638.3M
FCF EV Yield	11.52x
FCF Per Share	PKR 1.28
Financing CF	-126,997,911
Fiscal Year End	December
Founded	1,959
Graham Number	37.70341
Graham Upside	204.3
Income Tax	PKR 742.3M
Investing CF	6,333,798
Is Primary Listing	1
Last Earnings Date	2026-04-25
Last Report Date	2026-03-31
Last Split Date	2026-03-24
Last Split Type	Forward
Lynch Fair Value	PKR 92.3
Lynch Upside	644.9
Ma150	12.58
Ma150ch	-1.48%
Ma20	12.66
Ma20ch	-2.12%
Net CF	465,356,041
Next Earnings Date	2026-05-12
Open	13.24
P FCF Ratio	9.69
P OCF Ratio	10.56
Position In Range	9.57
Ppne	2,338,824,315
Price Date	2026-05-08
Price EBITDA	PKR 2.49
Ptbv Ratio	0.73
Relative Volume	0.6x
Revenue	5,349,740,155x
Tax By Revenue	13.88x
Tax Rate	32.57%
Tr20y	6,835.31%
Tr6m	-0.88%
Volume	30,316

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

Does PSX/UNIC pay a dividend?

Capital-return profile for this ticker.

Performance

PSX/UNIC stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns PSX/UNIC?

Insider, institutional, and short-interest positioning.

Institutional ownership

+4.7%

Share of float held by funds and institutions

Insider ownership

+5.7%

Stake held by company insiders. Higher generally signals alignment.

Short interest

n/a

Float sold short by bearish positioning

Y/Y dilution

-12.9%

Negative means the company is buying back shares.

Technical

PSX/UNIC momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

45.6

Neutral momentum band

Price vs 200-day MA

-3.0%

50/200-day relationship not available

Beta (5Y)

-0.18

Less volatile than the market

Sharpe ratio

-0.50

Risk-adjusted return — higher is better; >1.0 is solid.

Questions

About PSX/UNIC

Hub-level FAQ points readers to the deeper analysis pages.

What is the current psx/UNIC stock rating?

psx/UNIC is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full psx/UNIC analysis?

The full report lives at /stocks/psx/UNIC/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for psx/UNIC?

The latest report frames psx/UNIC around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the psx/UNIC page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.