Saturday, February 16, 2013

ABL - Allied Bank Limited - Analysis - 16/02/2013

Company ABL Symbol
Company Name Allied Bank Limited Company Name
Sector Commercial Banks Sector
Avg EPS Rs 9.83 Average of past year end EPS's
Avg EPS FV Rs 103.50 Fair Value (DCF) based on average of past year end EPS's
EPS Rs 12.56 Last four quarters EPS
EPS FV Rs 132.21 Fair Value (DCF) based on last four quarters EPS
Current Price Rs 69.97 Last closing stock price
Updated February 2013 Data Month/Year
Div Rs 6.50 Total dividend paid during last four quarters
Div FV Rs 68.42 Fair value (DD) based on total dividend paid during last four quarters
Avg Div Rs 3.33 Average of yearly dividends paid (including currently paid ones)
Avg Div FV Rs 35.09 Fair value (DD) based on Average of yearly dividends paid (including current)
Avg Rs 172.94 Fair value (averaged of other fair value)
Upside 147.17% Upside potential (in percentage) based on the above Average.
Div Yield 9.29% Dividend yield
Book Value Rs 52.04 Book Value
FV FCF/S Rs 646.40 Fair Value based on free cash flow per share
Outstanding Shares 946,342,009 Number of  Outstanding Shares
Current Assets NA Currency in Millions of Pakistan Rupees
Total Liabilities Rs 552,178.00 Currency in Millions of Pakistan Rupees
NCAV/S #VALUE! Net Current Asset Value / Share
Total Assets Rs 601,423.00 Currency in Millions of Pakistan Rupees
Quarter September 2012 Data Quarter
CfO Rs 60,098.00 CASH FROM OPERATIONS (Millions of Rs)
FCF/S Rs 61.41 Free Cash Flow per Share
P/E 5.57 Price over earnings ratio
P/E Sector Avg 5.10 Sector Average P/E
P/B 1.34 Price over book value ratio
P/B Sector Avg 1.02 Sector Average P/B
PR 51.75 Payout Ratio (in %)
PR Sector Avg 25.20 Sector average Payout Ratio (in %)
D/E Ratio 51.75 Debt / Equite ratio (%)
Sector D/E Ratio 1,177.86 Sector Debt / Equity ratio (%)
Symbol ABL
Current Price Rs 69.97
Previous Day Price Rs 71.97
Daily Return -2.78%
Price Week Ago Rs 73.33
Weekly Return -4.58%
Price Month Ago Rs 70.33
Monthly Return -0.51%
Price Quarter Ago Rs 69.00
Quarterly Return 1.41%
Price Year Ago Rs 61.08
Yearly Return 14.55%

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Allied Bank - FINANCIAL RESULT FOR THE YEAR ENDED 31/12/2012

Company Date Time Announcement
Allied Bank 14FEB2013 12:33:18 EPS = 12.34
Allied Bank 14FEB2013 12:33:18 (UNCONSOLIDATED) PROFIT/LOSS
BEFORE TAXATION RS. IN MILLION 15,870.352
Allied Bank 14FEB2013 12:33:18 FINANCIAL RESULT FOR THE YEAR
ENDED 31/12/2012
Allied Bank 14FEB2013 12:33:18 (UNCONSOLIDATED) PROFIT/LOSS
AFTER TAXATION RS. IN MILLION 11,675.814
Allied Bank 14FEB2013 12:04:57 FINANCIAL RESULT FOR THE YEAR
ENDED 31/12/2012
Allied Bank 14FEB2013 12:04:57 BONUS ISSUE = 10%
Allied Bank 14FEB2013 12:04:57 DIVIDEND = 20% (F)
Allied Bank 14FEB2013 12:04:57 (CONSOLIDATED) PROFIT/LOSS
BEFORE TAXATION RS. IN MILLION 16,146.441
Allied Bank 14FEB2013 12:04:57 (CONSOLIDATED) PROFIT/LOSS AFTER
TAXATION RS. IN MILLION 11,882.367
Allied Bank 14FEB2013 12:04:57 BOOK CLOSURE TO 27/03/2013
Allied Bank 14FEB2013 12:04:57 BOOK CLOSURE FROM 21/03/2013
Allied Bank 14FEB2013 12:04:57 ANNUAL GENERAL MEETING WILL BE
HELD ON 27/03/2013
Allied Bank 14FEB2013 12:04:57 EPS = 12.56
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BAHL - Bank AL-Habib Limited - Analysis - 16/02/2013

Company BAHL Symbol
Company Name Bank AL-Habib Limited                    Company Name
Sector Commercial Banks Sector
Avg EPS Rs 5.42 Average of past year end EPS's
Avg EPS FV Rs 57.02 Fair Value (DCF) based on average of past year end EPS's
EPS Rs 5.39 Last four quarters EPS
EPS FV Rs 56.74 Fair Value (DCF) based on last four quarters EPS
Current Price Rs 31.76 Last closing stock price
Updated February 2013 Data Month/Year
Div Rs 3.00 Total dividend paid during last four quarters
Div FV Rs 31.58 Fair value (DD) based on total dividend paid during last four quarters
Avg Div Rs 1.53 Average of yearly dividends paid (including currently paid ones)
Avg Div FV Rs 16.05 Fair value (DD) based on Average of yearly dividends paid (including current)
Avg Rs 106.89 Fair value (averaged of other fair value)
Upside 236.55% Upside potential (in percentage) based on the above Average.
Div Yield 9.45% Dividend yield
Book Value Rs 22.09 Book Value
FV FCF/S Rs 457.85 Fair Value based on free cash flow per share
Outstanding Shares 1,010,386,745 Number of  Outstanding Shares
Current Assets NA Currency in Millions of Pakistan Rupees
Total Liabilities Rs 427,711.00 Currency in Millions of Pakistan Rupees
NCAV/S #VALUE! Net Current Asset Value / Share
Total Assets Rs 450,031.00 Currency in Millions of Pakistan Rupees
Quarter September 2012 Data Quarter
CfO Rs 44,917.00 CASH FROM OPERATIONS (Millions of Rs)
FCF/S Rs 43.50 Free Cash Flow per Share
P/E 5.89 Price over earnings ratio
P/E Sector Avg 5.10 Sector Average P/E
P/B 1.44 Price over book value ratio
P/B Sector Avg 1.02 Sector Average P/B
PR 55.66 Payout Ratio (in %)
PR Sector Avg 25.20 Sector average Payout Ratio (in %)
D/E Ratio 55.66 Debt / Equite ratio (%)
Sector D/E Ratio 1,177.86 Sector Debt / Equity ratio (%)
Symbol BAHL
Current Price Rs 31.76
Previous Day Price Rs 31.97
Daily Return -0.66%
Price Week Ago Rs 32.98
Weekly Return -3.70%
Price Month Ago Rs 30.57
Monthly Return 3.89%
Price Quarter Ago Rs 29.96
Quarterly Return 6.01%
Price Year Ago Rs 32.22
Yearly Return -1.43%

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Bank AL-Habib - FINANCIAL RESULT FOR THE YEAR ENDED 31/12/2012

Company Date Time Announcement
Bank AL-Habib 14FEB2013 13:00:48 DIVIDEND = 30% (F)
Bank AL-Habib 14FEB2013 13:00:48 BOOK CLOSURE FROM 16/03/2013
Bank AL-Habib 14FEB2013 13:00:48 FINANCIAL RESULT FOR THE YEAR
ENDED 31/12/2012
Bank AL-Habib 14FEB2013 13:00:48 PROFIT/LOSS BEFORE TAXATION
RS. IN MILLION 8,869.497
Bank AL-Habib 14FEB2013 13:00:48 PROFIT/LOSS AFTER TAXATION RS.
IN MILLION 5,446.514
Bank AL-Habib 14FEB2013 13:00:48 BOOK CLOSURE TO 26/03/2013
Bank AL-Habib 14FEB2013 13:00:48 ANNUAL GENERAL MEETING WILL BE
HELD ON 26/03/2013
Bank AL-Habib 14FEB2013 13:00:48 EPS = 5.39
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EFUL - EFU Life Assurance Limited - Analysis - 16/02/2013

Company EFUL Symbol
Company Name EFU Life Assurance Limited               Company Name
Sector Life Insurance Sector
Avg EPS Rs 8.15 Average of past year end EPS's
Avg EPS FV Rs 85.74 Fair Value (DCF) based on average of past year end EPS's
EPS Rs 10.75 Last four quarters EPS
EPS FV Rs 113.16 Fair Value (DCF) based on last four quarters EPS
Current Price Rs 93.50 Last closing stock price
Updated February 2013 Data Month/Year
Div Rs 5.50 Total dividend paid during last four quarters
Div FV Rs 57.89 Fair value (DD) based on total dividend paid during last four quarters
Avg Div Rs 3.40 Average of yearly dividends paid (including currently paid ones)
Avg Div FV Rs 35.79 Fair value (DD) based on Average of yearly dividends paid (including current)
Avg Rs 116.12 Fair value (averaged of other fair value)
Upside 24.20% Upside potential (in percentage) based on the above Average.
Div Yield 5.88% Dividend yield
Book Value Rs 21.87 Book Value
FV FCF/S Rs 382.29 Fair Value based on free cash flow per share
Outstanding Shares 85,000,000 Number of  Outstanding Shares
Current Assets NA Currency in Millions of Pakistan Rupees
Total Liabilities Rs 32,923.00 Currency in Millions of Pakistan Rupees
NCAV/S #VALUE! Net Current Asset Value / Share
Total Assets Rs 34,782.00 Currency in Millions of Pakistan Rupees
Quarter September 2012 Data Quarter
CfO Rs 3,241.00 CASH FROM OPERATIONS (Millions of Rs)
FCF/S Rs 36.32 Free Cash Flow per Share
P/E 8.70 Price over earnings ratio
P/E Sector Avg -1.88 Sector Average P/E
P/B 4.28 Price over book value ratio
P/B Sector Avg 3.02 Sector Average P/B
PR 51.16 Payout Ratio (in %)
PR Sector Avg 26.15 Sector average Payout Ratio (in %)
D/E Ratio 51.16 Debt / Equite ratio (%)
Sector D/E Ratio 1,313.76 Sector Debt / Equity ratio (%)
Symbol EFUL
Current Price Rs 93.50
Previous Day Price Rs 95.29
Daily Return -1.88%
Price Week Ago Rs 92.40
Weekly Return 1.19%
Price Month Ago Rs 79.33
Monthly Return 17.86%
Price Quarter Ago Rs 83.25
Quarterly Return 12.31%
Price Year Ago Rs 81.98
Yearly Return 14.05%

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EFU Life Assr. - FINANCIAL RESULT FOR THE YEAR ENDED 31/12/2012

Company Date Time Announcement
EFU Life Assr. 14FEB2013 13:32:50 BONUS ISSUE = 17.64706%
EFU Life Assr. 14FEB2013 13:32:50 DIVIDEND = 40% (F)
EFU Life Assr. 14FEB2013 13:32:50 FINANCIAL RESULT FOR THE YEAR
ENDED 31/12/2012
EFU Life Assr. 14FEB2013 13:32:50 BOOK CLOSURE TO 04/04/2013
EFU Life Assr. 14FEB2013 13:32:50 BOOK CLOSURE FROM 27/03/2013
EFU Life Assr. 14FEB2013 13:32:50 ANNUAL GENERAL MEETING WILL
BE HELD ON 04/04/2013
EFU Life Assr. 14FEB2013 13:32:50 EPS = 10.75
EFU Life Assr. 14FEB2013 13:32:50 PROFIT/LOSS AFTER TAXATION
RS. IN MILLION 914.118
EFU Life Assr. 14FEB2013 13:32:50 PROFIT/LOSS BEFORE TAXATION
RS. IN MILLION 1,392.468
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EFUG - EFU General Insurance - Analysis - 16/02/2013

Company EFUG Symbol
Company Name EFU General Insurance Company Name
Sector Non Life Insurance Sector
Avg EPS Rs 19.06 Average of past year end EPS's
Avg EPS FV Rs 200.60 Fair Value (DCF) based on average of past year end EPS's
EPS Rs 12.83 Last four quarters EPS
EPS FV Rs 135.05 Fair Value (DCF) based on last four quarters EPS
Current Price Rs 84.20 Last closing stock price
Updated February 2013 Data Month/Year
Div Rs 5.00 Total dividend paid during last four quarters
Div FV Rs 52.63 Fair value (DD) based on total dividend paid during last four quarters
Avg Div Rs 3.13 Average of yearly dividends paid (including currently paid ones)
Avg Div FV Rs 32.89 Fair value (DD) based on Average of yearly dividends paid (including current)
Avg Rs 80.70 Fair value (averaged of other fair value)
Upside -4.16% Upside potential (in percentage) based on the above Average.
Div Yield 5.94% Dividend yield
Book Value Rs 86.75 Book Value
FV FCF/S Rs -23.75 Fair Value based on free cash flow per share
Outstanding Shares 125,000,000 Number of  Outstanding Shares
Current Assets NA Currency in Millions of Pakistan Rupees
Total Liabilities Rs 15,946.00 Currency in Millions of Pakistan Rupees
NCAV/S #VALUE! Net Current Asset Value / Share
Total Assets Rs 26,790.00 Currency in Millions of Pakistan Rupees
Quarter September 2012 Data Quarter
CfO Rs -61.00 CASH FROM OPERATIONS (Millions of Rs)
FCF/S Rs -2.26 Free Cash Flow per Share
P/E 6.56 Price over earnings ratio
P/E Sector Avg 8.84 Sector Average P/E
P/B 0.97 Price over book value ratio
P/B Sector Avg 1.92 Sector Average P/B
PR 38.97 Payout Ratio (in %)
PR Sector Avg 10.53 Sector average Payout Ratio (in %)
D/E Ratio 38.97 Debt / Equite ratio (%)
Sector D/E Ratio 143.77 Sector Debt / Equity ratio (%)
Symbol EFUG
Current Price Rs 84.20
Previous Day Price Rs 88.63
Daily Return -5.00%
Price Week Ago Rs 88.26
Weekly Return -4.60%
Price Month Ago Rs 78.42
Monthly Return 7.37%
Price Quarter Ago Rs 83.55
Quarterly Return 0.78%
Price Year Ago Rs 50.93
Yearly Return 65.32%

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EFU General Ins. - FINANCIAL RESULT FOR THE YEAR ENDED 31/12/2012

Company Date Time Announcement
EFU General Ins. 14FEB2013 13:39:05 BOOK CLOSURE TO 04/04/2013
EFU General Ins. 14FEB2013 13:39:05 BOOK CLOSURE FROM 27/03/2013
EFU General Ins. 14FEB2013 13:39:05 ANNUAL GENERAL MEETING WILL
BE HELD ON 04/04/2013
EFU General Ins. 14FEB2013 13:39:05 EPS = 12.83
EFU General Ins. 14FEB2013 13:39:05 PROFIT/LOSS AFTER TAXATION
RS. IN MILLION 1,604.045
EFU General Ins. 14FEB2013 13:39:05 PROFIT/LOSS BEFORE TAXATION
RS. IN MILLION 1,674.817
EFU General Ins. 14FEB2013 13:39:05 DIVIDEND = 40% (F)
EFU General Ins. 14FEB2013 13:39:05 FINANCIAL RESULT FOR THE
YEAR ENDED 31/12/2012
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NCPL - Nishat Chun Power - Analysis - 16/02/2013

Company NCPL Symbol
Company Name Nishat Chun Power Company Name
Sector Electricity Sector
Avg EPS Rs 3.29 Average of past year end EPS's
Avg EPS FV Rs 34.67 Fair Value (DCF) based on average of past year end EPS's
EPS Rs 6.58 Last four quarters EPS
EPS FV Rs 69.31 Fair Value (DCF) based on last four quarters EPS
Current Price Rs 26.01 Last closing stock price
Updated February 2013 Data Month/Year
Div Rs 4.00 Total dividend paid during last four quarters
Div FV Rs 42.11 Fair value (DD) based on total dividend paid during last four quarters
Avg Div Rs 1.50 Average of yearly dividends paid (including currently paid ones)
Avg Div FV Rs 15.79 Fair value (DD) based on Average of yearly dividends paid (including current)
Avg Rs 32.57 Fair value (averaged of other fair value)
Upside 25.23% Upside potential (in percentage) based on the above Average.
Div Yield 15.38% Dividend yield
Book Value Rs 17.94 Book Value
FV FCF/S Rs 72.65 Fair Value based on free cash flow per share
Outstanding Shares 367,346,939 Number of  Outstanding Shares
Current Assets Rs 11,713.00 Currency in Millions of Pakistan Rupees
Total Liabilities Rs 20,696.00 Currency in Millions of Pakistan Rupees
NCAV/S Rs -24.45 Net Current Asset Value / Share
Total Assets Rs 27,286.00 Currency in Millions of Pakistan Rupees
Quarter September 2012 Data Quarter
CfO Rs 2,536.00 CASH FROM OPERATIONS (Millions of Rs)
FCF/S Rs 6.90 Free Cash Flow per Share
P/E 3.95 Price over earnings ratio
P/E Sector Avg 2.65 Sector Average P/E
P/B 1.45 Price over book value ratio
P/B Sector Avg 0.79 Sector Average P/B
PR 60.75 Payout Ratio (in %)
PR Sector Avg 24.09 Sector average Payout Ratio (in %)
D/E Ratio 60.75 Debt / Equite ratio (%)
Sector D/E Ratio 137.44 Sector Debt / Equity ratio (%)
Symbol NCPL
Current Price Rs 26.01
Previous Day Price Rs 24.78
Daily Return 4.96%
Price Week Ago Rs 23.50
Weekly Return 10.68%
Price Month Ago Rs 20.00
Monthly Return 30.05%
Price Quarter Ago Rs 18.84
Quarterly Return 38.06%
Price Year Ago Rs 14.44
Yearly Return 80.12%

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Nishat Chun Power - FINANCIAL RESULT FOR THE HALF YEAR ENDED 31/12/2012

Company Date Time Announcement
Nishat Chun Power 14FEB2013 13:54:55 BOOK CLOSURE TO 07/03/2013
Nishat Chun Power 14FEB2013 13:54:55 BOOK CLOSURE FROM 01/03/2013
Nishat Chun Power 14FEB2013 13:54:55 EPS = 3.860
Nishat Chun Power 14FEB2013 13:54:55 PROFIT/LOSS AFTER TAXATION
RS. IN MILLION 1,417.918
Nishat Chun Power 14FEB2013 13:54:55 PROFIT/LOSS BEFORE
TAXATION RS. IN MILLION 1,426.910
Nishat Chun Power 14FEB2013 13:54:55 DIVIDEND = 20% (i)
Nishat Chun Power 14FEB2013 13:54:55 FINANCIAL RESULT FOR THE
HALF YEAR ENDED 31/12/2012
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PRL - Pakistan Refinery Ltd. - Analysis - 16/02/2013

Company PRL Symbol
Company Name Pakistan Refinery Ltd.                   Company Name
Sector Oil and Gas Sector
Avg EPS Rs -18.99 Average of past year end EPS's
Avg EPS FV Rs -199.88 Fair Value (DCF) based on average of past year end EPS's
EPS Rs -2.22 Last four quarters EPS
EPS FV Rs -23.37 Fair Value (DCF) based on last four quarters EPS
Current Price Rs 90.45 Last closing stock price
Updated February 2013 Data Month/Year
Div Rs 0.00 Total dividend paid during last four quarters
Div FV Rs 0.00 Fair value (DD) based on total dividend paid during last four quarters
Avg Div Rs 1.38 Average of yearly dividends paid (including currently paid ones)
Avg Div FV Rs 14.48 Fair value (DD) based on Average of yearly dividends paid (including current)
Avg Rs -62.96 Fair value (averaged of other fair value)
Upside -169.60% Upside potential (in percentage) based on the above Average.
Div Yield 0.00% Dividend yield
Book Value Rs 49.54 Book Value
FV FCF/S Rs -197.59 Fair Value based on free cash flow per share
Outstanding Shares 35,000,000 Number of  Outstanding Shares
Current Assets Rs 21,391.00 Currency in Millions of Pakistan Rupees
Total Liabilities Rs 24,327.00 Currency in Millions of Pakistan Rupees
NCAV/S Rs -83.89 Net Current Asset Value / Share
Total Assets Rs 26,061.00 Currency in Millions of Pakistan Rupees
Quarter September 2012 Data Quarter
CfO Rs -556.00 CASH FROM OPERATIONS (Millions of Rs)
FCF/S Rs -18.77 Free Cash Flow per Share
P/E -40.74 Price over earnings ratio
P/E Sector Avg 5.40 Sector Average P/E
P/B 1.83 Price over book value ratio
P/B Sector Avg 1.46 Sector Average P/B
PR 0.00 Payout Ratio (in %)
PR Sector Avg 38.25 Sector average Payout Ratio (in %)
D/E Ratio 0.00 Debt / Equite ratio (%)
Sector D/E Ratio 403.16 Sector Debt / Equity ratio (%)
Symbol PRL
Current Price Rs 90.45
Previous Day Price Rs 86.15
Daily Return 4.99%
Price Week Ago Rs 78.71
Weekly Return 14.92%
Price Month Ago Rs 61.95
Monthly Return 46.00%
Price Quarter Ago Rs 72.09
Quarterly Return 25.47%
Price Year Ago Rs 62.21
Yearly Return 45.39%

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Pak Refinery - FINANCIAL RESULT FOR THE HALF YEAR ENDED 31/12/2012

Company Date Time Announcement
Pak Refinery 14FEB2013 14:52:17 EPS = 34.22
Pak Refinery 14FEB2013 14:52:17 PROFIT/LOSS AFTER TAXATION RS.
IN MILLION 1,197.538
Pak Refinery 14FEB2013 14:52:17 PROFIT/LOSS BEFORE TAXATION RS.
IN MILLION 1,566.858
Pak Refinery 14FEB2013 14:52:17 FINANCIAL RESULT FOR THE HALF
YEAR ENDED 31/12/2012
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JGICL - Jubilee General Insurance Co. Ltd. - Analysis - 16/02/2013

Company JGICL Symbol
Company Name Jubilee General Insurance Co. Ltd. Company Name
Sector Non Life Insurance Sector
Avg EPS Rs 6.70 Average of past year end EPS's
Avg EPS FV Rs 70.56 Fair Value (DCF) based on average of past year end EPS's
EPS Rs 6.97 Last four quarters EPS
EPS FV Rs 73.37 Fair Value (DCF) based on last four quarters EPS
Current Price Rs 66.47 Last closing stock price
Updated February 2013 Data Month/Year
Div Rs 3.00 Total dividend paid during last four quarters
Div FV Rs 31.58 Fair value (DD) based on total dividend paid during last four quarters
Avg Div Rs 2.55 Average of yearly dividends paid (including currently paid ones)
Avg Div FV Rs 26.84 Fair value (DD) based on Average of yearly dividends paid (including current)
Avg Rs 39.14 Fair value (averaged of other fair value)
Upside -41.12% Upside potential (in percentage) based on the above Average.
Div Yield 4.51% Dividend yield
Book Value Rs 30.72 Book Value
FV FCF/S Rs 1.77 Fair Value based on free cash flow per share
Outstanding Shares 118,646,640 Number of  Outstanding Shares
Current Assets NA Currency in Millions of Pakistan Rupees
Total Liabilities Rs 6,697.00 Currency in Millions of Pakistan Rupees
NCAV/S #VALUE! Net Current Asset Value / Share
Total Assets Rs 10,342.00 Currency in Millions of Pakistan Rupees
Quarter June 2012 Data Quarter
CfO Rs 44.00 CASH FROM OPERATIONS (Millions of Rs)
FCF/S Rs 0.17 Free Cash Flow per Share
P/E 9.54 Price over earnings ratio
P/E Sector Avg 8.84 Sector Average P/E
P/B 2.16 Price over book value ratio
P/B Sector Avg 1.92 Sector Average P/B
PR 43.04 Payout Ratio (in %)
PR Sector Avg 10.53 Sector average Payout Ratio (in %)
D/E Ratio 43.04 Debt / Equite ratio (%)
Sector D/E Ratio 143.77 Sector Debt / Equity ratio (%)
Symbol JGICL
Current Price Rs 66.47
Previous Day Price Rs 66.45
Daily Return 0.03%
Price Week Ago Rs 68.90
Weekly Return -3.53%
Price Month Ago Rs 65.01
Monthly Return 2.25%
Price Quarter Ago Rs 66.00
Quarterly Return 0.71%
Price Year Ago Rs 68.18
Yearly Return -2.51%

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Jubilee General Ins. - FINANCIAL RESULT FOR THE YEAR ENDED 31/12/2012

Company Date Time Announcement
Jubilee General Ins. 14FEB2013 15:00:42 BOOK CLOSURE TO 19/04/2013
Jubilee General Ins. 14FEB2013 15:00:42 BOOK CLOSURE FROM
11/04/2013
Jubilee General Ins. 14FEB2013 15:00:42 ANNUAL GENERAL MEETING
WILL BE HELD ON 19/04/2013
Jubilee General Ins. 14FEB2013 15:00:42 EPS = 6.97
Jubilee General Ins. 14FEB2013 15:00:42 PROFIT/LOSS AFTER
TAXATION RS. IN MILLION 826.576
Jubilee General Ins. 14FEB2013 15:00:42 PROFIT/LOSS BEFORE
TAXATION RS. IN MILLION 946.079
Jubilee General Ins. 14FEB2013 15:00:42 BONUS ISSUE = 15%
Jubilee General Ins. 14FEB2013 15:00:42 DIVIDEND = 30% (F)
Jubilee General Ins. 14FEB2013 15:00:42 FINANCIAL RESULT FOR
THE YEAR ENDED 31/12/2012
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HICL - Habib Insurance Co. Ltd. - Analysis - 16/02/2013

Company HICL Symbol
Company Name Habib Insurance Co. Ltd.                 Company Name
Sector Non Life Insurance Sector
Avg EPS Rs 3.32 Average of past year end EPS's
Avg EPS FV Rs 34.93 Fair Value (DCF) based on average of past year end EPS's
EPS Rs 1.97 Last four quarters EPS
EPS FV Rs 20.74 Fair Value (DCF) based on last four quarters EPS
Current Price Rs 13.70 Last closing stock price
Updated February 2013 Data Month/Year
Div Rs 1.75 Total dividend paid during last four quarters
Div FV Rs 18.42 Fair value (DD) based on total dividend paid during last four quarters
Avg Div Rs 1.61 Average of yearly dividends paid (including currently paid ones)
Avg Div FV Rs 16.97 Fair value (DD) based on Average of yearly dividends paid (including current)
Avg Rs 17.92 Fair value (averaged of other fair value)
Upside 30.83% Upside potential (in percentage) based on the above Average.
Div Yield 12.77% Dividend yield
Book Value Rs 8.80 Book Value
FV FCF/S Rs 7.68 Fair Value based on free cash flow per share
Outstanding Shares 99,099,804 Number of  Outstanding Shares
Current Assets NA Currency in Millions of Pakistan Rupees
Total Liabilities Rs 1,127.00 Currency in Millions of Pakistan Rupees
NCAV/S #VALUE! Net Current Asset Value / Share
Total Assets Rs 1,999.00 Currency in Millions of Pakistan Rupees
Quarter September 2012 Data Quarter
CfO Rs 73.00 CASH FROM OPERATIONS (Millions of Rs)
FCF/S Rs 0.73 Free Cash Flow per Share
P/E 6.95 Price over earnings ratio
P/E Sector Avg 8.84 Sector Average P/E
P/B 1.56 Price over book value ratio
P/B Sector Avg 1.92 Sector Average P/B
PR 88.83 Payout Ratio (in %)
PR Sector Avg 10.53 Sector average Payout Ratio (in %)
D/E Ratio 88.83 Debt / Equite ratio (%)
Sector D/E Ratio 143.77 Sector Debt / Equity ratio (%)
Symbol HICL
Current Price Rs 13.70
Previous Day Price Rs 13.50
Daily Return 1.48%
Price Week Ago Rs 13.48
Weekly Return 1.63%
Price Month Ago Rs 12.06
Monthly Return 13.60%
Price Quarter Ago Rs 14.37
Quarterly Return -4.66%
Price Year Ago Rs 10.50
Yearly Return 30.48%

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