Stock RICL RELIANCE INSURANCE COMPANY LIMITED
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Financials Reliance Insurance Company Limited

Equities

RICL

PK0027501011

Property & Casualty Insurance

End-of-day quote Pakistan S.E.
Other stock markets
 06:00:00 2024-04-25 pm EDT 		5-day change 1st Jan Change
9 PKR -7.22% Intraday chart for Reliance Insurance Company Limited -7.22% 0.00%
Apr. 08 Reliance Insurance Company Limited Reports Earnings Results for the Full Year Ended December 31, 2023 CI
2023 Reliance Insurance Company Limited Reports Earnings Results for the Third Quarter and Nine Months Ended September 30, 2023 CI

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 386.3 280.7 440.7 362.1 424.6 598.8
Enterprise Value (EV) 1 215 90.24 259.5 238.8 310.6 476.9
P/E ratio 7.88 x 3.94 x 6.43 x 6.83 x 9.63 x 3.48 x
Yield - - - 8.33% 7.46% 11.1%
Capitalization / Revenue 0.97 x 0.63 x 1.07 x 0.94 x 0.97 x 0.82 x
EV / Revenue 0.54 x 0.2 x 0.63 x 0.62 x 0.71 x 0.65 x
EV / EBITDA 3.05 x 0.83 x 2.73 x 3.04 x 4.01 x 1.8 x
EV / FCF -7.19 x 1.45 x 1,102 x -4.01 x 3.84 x 4.92 x
FCF Yield -13.9% 68.9% 0.09% -24.9% 26.1% 20.3%
Price to Book 0.45 x 0.3 x 0.44 x 0.35 x 0.4 x 0.49 x
Nbr of stocks (in thousands) 66,538 66,538 66,538 66,538 66,538 66,538
Reference price 2 5.805 4.219 6.623 5.442 6.381 9.000
Announcement Date 4/8/19 5/6/20 4/8/21 3/26/22 4/7/23 4/8/24
1PKR in Million2PKR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 397.2 448.3 411.9 385 437.7 728.1
EBITDA 1 70.61 108.5 95 78.53 77.39 264.6
EBIT 1 58.17 94.79 82.96 67.96 65.14 251.6
Operating Margin 14.65% 21.14% 20.14% 17.65% 14.88% 34.56%
Earnings before Tax (EBT) 1 60.12 96.4 83.58 70.51 67.6 257
Net income 1 49 71.21 68.5 53.01 44.11 171.9
Net margin 12.34% 15.88% 16.63% 13.77% 10.08% 23.61%
EPS 2 0.7364 1.070 1.029 0.7967 0.6629 2.583
Free Cash Flow 1 -29.89 62.15 0.2355 -59.5 80.99 96.89
FCF margin -7.53% 13.86% 0.06% -15.45% 18.5% 13.31%
FCF Conversion (EBITDA) - 57.3% 0.25% - 104.64% 36.62%
FCF Conversion (Net income) - 87.28% 0.34% - 183.6% 56.36%
Dividend per Share - - - 0.4535 0.4762 1.000
Announcement Date 4/8/19 5/6/20 4/8/21 3/26/22 4/7/23 4/8/24
1PKR in Million2PKR
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 - - - - - -
Net Cash position 1 171 190 181 123 114 122
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow 1 -29.9 62.2 0.24 -59.5 81 96.9
ROE (net income / shareholders' equity) 5.92% 7.96% 7.09% 5.18% 4.18% 15.1%
ROA (Net income/ Total Assets) 2.11% 3.64% 3.13% 2.39% 2.18% 7.49%
Assets 1 2,325 1,956 2,186 2,222 2,024 2,296
Book Value Per Share 2 12.90 14.00 15.00 15.80 15.90 18.40
Cash Flow per Share 2 2.570 2.860 2.720 1.850 1.710 1.830
Capex 1 37 6 0.61 21.8 14.3 35.9
Capex / Sales 9.32% 1.34% 0.15% 5.66% 3.26% 4.94%
Announcement Date 4/8/19 5/6/20 4/8/21 3/26/22 4/7/23 4/8/24
1PKR in Million2PKR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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