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PSX/CLOV (PSX/CLOV)

Pakistan Stock Exchange: PSX/CLOV · PKR

PKR 5.43

+0.02 (+0.4%)· Recorded snapshot

Market cap	2.4B
Revenue (ttm)	7.8B
Net income (ttm)	315.8M
EPS (ttm)	PKR 0.71
Shares out	447.7M
P/E (trailing)	7.7x
Volume	425,216
Beta	0.98

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 7.8B
Net income (ttm): 315.8M
EPS (ttm): PKR 0.71
P/E (trailing): 7.7x
Market cap: 2.4B

Metric	Value
Amount currency	PKR
Country	Pakistan
Country code	PK
Earnings date	2026-10-01
Employees	89
Employees change	45
Employees growth	102.27%
Enterprise value	PKR 2.7B
Exchange	Pakistan Stock Exchange
Financial currency	PKR
Financial report date	2026-06-30
First seen	2026-05-10
Fiscal year end	June
Founded	1986
Industry	Food & Drug Retailing
Is primary listing	Yes
ISIN number	PK0036601018
Last earnings date	2026-10-01
Last refreshed	2026-10-28
Last stock split date	2026-10-08
Last stock split type	Forward
Market cap	PKR 2.4B
Next earnings date	2026-10-30
Price	PKR 5.43
Price currency	PKR
Sector	Consumer Non-Cyclicals
SIC code	6141
Stock price date	2026-10-28
Symbol	psx/CLOV
Website	https://clover.com.pk

Metric

Value

Amount currency

PKR

Country

Pakistan

Country code

Earnings date

2026-10-01

Employees

Employees change

Employees growth

102.27%

Enterprise value

PKR 2.7B

Exchange

Pakistan Stock Exchange

Financial currency

PKR

Financial report date

2026-06-30

First seen

2026-05-10

Fiscal year end

June

Founded

1986

Industry

Food & Drug Retailing

Is primary listing

Yes

ISIN number

PK0036601018

Last earnings date

2026-10-01

Last refreshed

2026-10-28

Last stock split date

2026-10-08

Last stock split type

Forward

Market cap

PKR 2.4B

Next earnings date

2026-10-30

Price

PKR 5.43

Price currency

PKR

Sector

Consumer Non-Cyclicals

SIC code

6141

Stock price date

2026-10-28

Symbol

psx/CLOV

Website

https://clover.com.pk

Metric	Value
Average P/E ratio (10Y)	102.18x
Average P/E ratio (3Y)	10.27x
Earnings yield	12.99%
EV/Earnings	8.42x
EV/EBIT	7x
EV/EBITDA	6.04x
EV/FCF	59.43x
EV/Sales	0.34x
FCF / EV yield	1.68%
FCF yield	1.84%
Graham number	5.48164
Graham upside	1.32%
P/B ratio	2.87x
P/E ratio	7.7x
P/FCF ratio	54.32x
P/OCF ratio	3.23x
P/S ratio	0.31x
Price / tangible book value	2.87x
Price/EBITDA ratio	5.67x
Sector P/E	11.38x

Metric

Value

Average P/E ratio (10Y)

102.18x

Average P/E ratio (3Y)

10.27x

Earnings yield

12.99%

EV/Earnings

8.42x

EV/EBIT

EV/EBITDA

6.04x

EV/FCF

59.43x

EV/Sales

0.34x

FCF / EV yield

1.68%

FCF yield

1.84%

Graham number

5.48164

Graham upside

1.32%

P/B ratio

2.87x

P/E ratio

7.7x

P/FCF ratio

54.32x

P/OCF ratio

3.23x

P/S ratio

0.31x

Price / tangible book value

2.87x

Price/EBITDA ratio

5.67x

Sector P/E

11.38x

Metric	Value
EBIT margin	4.89%
EBITDA margin	5.52%
Effective tax rate	14.4%
FCF margin	0.58%
Gross margin	6.54%
Operating margin	4.89%
Pretax margin	4.75%
Profit margin	4.07%
Profit per employee	PKR 3.5M
Revenue per employee	PKR 87.2M
ROA	18.32%
ROA (5Y)	9.26%
ROCE	32.11%
ROE	45.78%
ROE (5Y)	20.72%
ROIC	36.76%
ROIC (5Y)	18.79%
Tax / revenue	0.68%

Metric

Value

EBIT margin

4.89%

EBITDA margin

5.52%

Effective tax rate

14.4%

FCF margin

0.58%

Gross margin

6.54%

Operating margin

4.89%

Pretax margin

4.75%

Profit margin

4.07%

Profit per employee

PKR 3.5M

Revenue per employee

PKR 87.2M

ROA

18.32%

ROA (5Y)

9.26%

ROCE

32.11%

ROE

45.78%

ROE (5Y)

20.72%

ROIC

36.76%

ROIC (5Y)

18.79%

Tax / revenue

0.68%

Metric	Value
EPS growth	24.61%
EPS growth (Q)	189.92%
EPS growth (QoQ)	27.16%
EPS growth 10Y	23.62%
FCF growth	15.55%
FCF growth (QoQ)	2,481.09%
Gross profit growth	22.26%
Gross profit growth (Q)	388.58%
Net income growth	24.61%
Net income growth (Q)	189.92%
Net income growth (QoQ)	27.16%
OCF growth	1,005%
OCF growth (Q)	19,396.65%
OCF growth (QoQ)	24,901.47%
OCF growth 10Y	50.35%
Operating income growth	45.57%
Operating income growth (Q)	629.89%
Revenue growth	111.05%
Revenue growth (Q)	230.01%
Revenue growth (QoQ)	111.27%
Revenue growth 10Y	92.67%
Revenue growth 3Y	407.42%
Revenue growth 5Y	83.37%

Metric

Value

EPS growth

24.61%

EPS growth (Q)

189.92%

EPS growth (QoQ)

27.16%

EPS growth 10Y

23.62%

FCF growth

15.55%

FCF growth (QoQ)

2,481.09%

Gross profit growth

22.26%

Gross profit growth (Q)

388.58%

Net income growth

24.61%

Net income growth (Q)

189.92%

Net income growth (QoQ)

27.16%

OCF growth

1,005%

OCF growth (Q)

19,396.65%

OCF growth (QoQ)

24,901.47%

OCF growth 10Y

50.35%

Operating income growth

45.57%

Operating income growth (Q)

629.89%

Revenue growth

111.05%

Revenue growth (Q)

230.01%

Revenue growth (QoQ)

111.27%

Revenue growth 10Y

92.67%

Revenue growth 3Y

407.42%

Revenue growth 5Y

83.37%

Metric	Value
Capital expenditures	PKR -706.9M
Depreciation and amortization	PKR 48.8M
EBIT	PKR 379.9M
EBITDA	PKR 428.7M
EPS	PKR 0.71
FCF per share	PKR 0.10
Financing cash flow	PKR 44.1M
Free cash flow	PKR 44.8M
Gross profit	PKR 507.3M
Income taxes	PKR 53.1M
Investing cash flow	PKR -706.9M
Net borrowing	PKR 44.1M
Net cash flow	PKR 88.9M
Net income	PKR 315.8M
Operating income	PKR 379.9M
Revenue	PKR 7.8B

Metric

Value

Capital expenditures

PKR -706.9M

Depreciation and amortization

PKR 48.8M

EBIT

PKR 379.9M

EBITDA

PKR 428.7M

EPS

PKR 0.71

FCF per share

PKR 0.10

Financing cash flow

PKR 44.1M

Free cash flow

PKR 44.8M

Gross profit

PKR 507.3M

Income taxes

PKR 53.1M

Investing cash flow

PKR -706.9M

Net borrowing

PKR 44.1M

Net cash flow

PKR 88.9M

Net income

PKR 315.8M

Operating income

PKR 379.9M

Revenue

PKR 7.8B

Metric	Value
Altman Z-Score	5.94
Book value per share	PKR 1.89
Debt / EBITDA	0.81
Debt / equity	0.42
Debt / FCF	7.99
Interest coverage	39.52
Long-term assets	PKR 1.1B
Long-term liabilities	PKR 335.6M
Net cash (debt)	PKR -228.8M
Net cash / market cap	-9.41%
Net debt / EBITDA	0.53
Net debt / equity	0.27
Net debt / FCF	5.11
Piotroski F-Score	4
Property, plant and equipment	PKR 1B
Shareholders' equity	PKR 847.7M
Tangible book value	PKR 847.7M
Tangible book value per share	PKR 1.89
Total assets	PKR 1.9B
Total cash	PKR 128.9M
Total debt	PKR 357.7M
Total liabilities	PKR 1.1B
WACC	8.68%

Metric

Value

Altman Z-Score

5.94

Book value per share

PKR 1.89

Debt / EBITDA

0.81

Debt / equity

0.42

Debt / FCF

7.99

Interest coverage

39.52

Long-term assets

PKR 1.1B

Long-term liabilities

PKR 335.6M

Net cash (debt)

PKR -228.8M

Net cash / market cap

-9.41%

Net debt / EBITDA

0.53

Net debt / equity

0.27

Net debt / FCF

5.11

Piotroski F-Score

Property, plant and equipment

PKR 1B

Shareholders' equity

PKR 847.7M

Tangible book value

PKR 847.7M

Tangible book value per share

PKR 1.89

Total assets

PKR 1.9B

Total cash

PKR 128.9M

Total debt

PKR 357.7M

Total liabilities

PKR 1.1B

WACC

8.68%

Metric	Value
Asset turnover	5.99
Current assets	PKR 859.8M
Current liabilities	PKR 755.3M
Current ratio	1.14
Inventory turnover	35.04
Net working capital	PKR -2.2M
Quick ratio	0.9
Working capital	PKR 104.6M
Working capital turnover	30.03

Metric

Value

Asset turnover

5.99

Current assets

PKR 859.8M

Current liabilities

PKR 755.3M

Current ratio

1.14

Inventory turnover

35.04

Net working capital

PKR -2.2M

Quick ratio

0.9

Working capital

PKR 104.6M

Working capital turnover

30.03

Metric	Value
Dividend growth (10Y)	-1.53%
Dividend growth (3Y)	6.27%
Dividend growth (5Y)	-12.94%
Dividend per share	PKR 0.00
Last dividend	PKR 0.17

Metric

Value

Dividend growth (10Y)

-1.53%

Dividend growth (3Y)

6.27%

Dividend growth (5Y)

-12.94%

Dividend per share

PKR 0.00

Last dividend

PKR 0.17

Metric	Value
10Y price change	126.25%
10Y return CAGR	8.75%
10Y total return	131.31%
150-day SMA	PKR 6.45
15Y price change	64.55%
15Y return CAGR	13.51%
15Y total return	569.09%
1D price change	0.37%
1M price change	-7.76%
1M total return	-7.76%
1W price change	-2.34%
1W total return	-2.34%
1Y price change	48.69%
1Y return CAGR	48.72%
1Y total return	48.68%
20-day SMA	PKR 5.75
200-day SMA	PKR 6.15
20Y price change	10.64%
20Y return CAGR	8.63%
20Y total return	423.45%
3M price change	-21.95%
3M total return	-21.94%
3Y price change	462.35%
3Y return CAGR	77.81%
3Y total return	462.37%
50-day SMA	PKR 5.73
50-day SMA vs 200-day SMA	50under200
52-week high	PKR 8.70
52-week high date	2026-04-29
52-week low	PKR 3.20
52-week low date	2025-11-17
5Y price change	170.28%
5Y return CAGR	22%
5Y total return	170.28%
6M price change	-25.58%
6M total return	-25.57%
All-time high	PKR 14.78
All-time high date	2018-08-09
All-time low	PKR 0.08
All-time low date	1996-08-26
Average true range (ATR)	PKR 0.24
Average volume	1.6M
Beta (1Y)	0.98
Beta (2Y)	0.75
Beta (5Y)	0.98
Change from 52-week high	-37.61%
Change from 52-week low	69.9%
Change from all-time high	-63.26%
Change from all-time low	6,481.82%
Change from open	0.37%
Day's gap	0%
Dollar volume	PKR 2.3M
High price	PKR 5.53
Low price	PKR 5.31
Monthly RSI	54.73
Open price	PKR 5.41
Position in 52-week range	54.55%
Previous close	PKR 5.41
Price vs 150-day SMA	-15.87%
Price vs 20-day SMA	-5.52%
Price vs 200-day SMA	-11.66%
Price vs 50-day SMA	-5.29%
Relative volume	0.27
RSI	35.85
Sharpe ratio	0.83
Sharpe ratio (3Y)	1.25
Sharpe ratio (5Y)	0.36
Sortino ratio	1.5
Sortino ratio (3Y)	2.26
Sortino ratio (5Y)	0.7
Volume	425.2K
Weekly RSI	41.93
YTD price change	62.87%
YTD total return	62.87%

Metric

Value

10Y price change

126.25%

10Y return CAGR

8.75%

10Y total return

131.31%

150-day SMA

PKR 6.45

15Y price change

64.55%

15Y return CAGR

13.51%

15Y total return

569.09%

1D price change

0.37%

1M price change

-7.76%

1M total return

-7.76%

1W price change

-2.34%

1W total return

-2.34%

1Y price change

48.69%

1Y return CAGR

48.72%

1Y total return

48.68%

20-day SMA

PKR 5.75

200-day SMA

PKR 6.15

20Y price change

10.64%

20Y return CAGR

8.63%

20Y total return

423.45%

3M price change

-21.95%

3M total return

-21.94%

3Y price change

462.35%

3Y return CAGR

77.81%

3Y total return

462.37%

50-day SMA

PKR 5.73

50-day SMA vs 200-day SMA

50under200

52-week high

PKR 8.70

52-week high date

2026-04-29

52-week low

PKR 3.20

52-week low date

2025-11-17

5Y price change

170.28%

5Y return CAGR

22%

5Y total return

170.28%

6M price change

-25.58%

6M total return

-25.57%

All-time high

PKR 14.78

All-time high date

2018-08-09

All-time low

PKR 0.08

All-time low date

1996-08-26

Average true range (ATR)

PKR 0.24

Average volume

1.6M

Beta (1Y)

0.98

Beta (2Y)

0.75

Beta (5Y)

0.98

Change from 52-week high

-37.61%

Change from 52-week low

69.9%

Change from all-time high

-63.26%

Change from all-time low

6,481.82%

Change from open

0.37%

Day's gap

Dollar volume

PKR 2.3M

High price

PKR 5.53

Low price

PKR 5.31

Monthly RSI

54.73

Open price

PKR 5.41

Position in 52-week range

54.55%

Previous close

PKR 5.41

Price vs 150-day SMA

-15.87%

Price vs 20-day SMA

-5.52%

Price vs 200-day SMA

-11.66%

Price vs 50-day SMA

-5.29%

Relative volume

0.27

RSI

35.85

Sharpe ratio

0.83

Sharpe ratio (3Y)

1.25

Sharpe ratio (5Y)

0.36

Sortino ratio

1.5

Sortino ratio (3Y)

2.26

Sortino ratio (5Y)

0.7

Volume

425.2K

Weekly RSI

41.93

YTD price change

62.87%

YTD total return

62.87%

Metric	Value
Float	341.3M
Shares change (QoQ)	-0.01%
Shares held by insiders	0.01%
Shares outstanding	447.7M

Metric

Value

Float

341.3M

Shares change (QoQ)

-0.01%

Shares held by insiders

0.01%

Shares outstanding

447.7M

PSX/CLOV (PSX/CLOV)

Price

Financial snapshot

Fair-value bridge

Latest news · PSX/CLOV

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All PSX/CLOV indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on PSX/CLOV

Frequently asked questions