UVIC - Universal Insurance Co. Ltd. - Company Analysis -06/04/2013

Company	UVIC	Symbol
Company Name	Universal Insurance Co. Ltd.	Company Name
Sector	Non Life Insurance	Sector
Avg EPS	Rs -0.35	Average of past year end EPS's
Avg EPS FV	Rs -3.71	Fair Value (DCF) based on average of past year end EPS's
EPS	Rs -2.21	Last four quarters EPS
EPS FV	Rs -23.26	Fair Value (DCF) based on last four quarters EPS
Current Price	Rs 3.60	Last closing stock price
Updated	April 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 0.19	Average of yearly dividends paid (including currently paid ones)
Avg Div FV	Rs 2.05	Fair value (DD) based on Average of yearly dividends paid (including current)
Avg	Rs -1.87	Fair value (averaged of other fair value)
Upside	-151.94%	Upside potential (in percentage) based on the above Average.
Div Yield	0.00%	Dividend yield
Book Value	Rs 13.23	Book Value
FV FCF/S	Rs -0.98	Fair Value based on free cash flow per share
Outstanding Shares	30,000,000	Number of  Outstanding Shares
Current Assets	Rs 558.80	Currency in Millions of Pakistan Rupees
Total Liabilities	Rs 571.10	Currency in Millions of Pakistan Rupees
NCAV/S	Rs -0.41	Net Current Asset Value / Share
Total Assets	Rs 968.10	Currency in Millions of Pakistan Rupees
Quarter	June 2012	Data Quarter
CfO	Rs -2.80	CASH FROM OPERATIONS (Millions of Rs)
FCF/S	Rs -0.09	Free Cash Flow per Share
P/E	-1.63	Price over earnings ratio
P/E Sector Avg	9.48	Sector Average P/E
P/B	0.27	Price over book value ratio
P/B Sector Avg	1.87	Sector Average P/B
PR	0.00	Payout Ratio (in %)
PR Sector Avg	5.77	Sector average Payout Ratio (in %)
D/E Ratio	0.00	Debt / Equite ratio (%)
Sector D/E Ratio	142.74	Sector Debt / Equity ratio (%)

UVIC - Universal Insurance Co. Ltd. - Company Analysis -06/04/2013

Universal Insurance - FINANCIAL RESULT FOR THE YEAR ENDED 31/12/2012

Company Date Time Announcement
Universal Insurance 05APR2013 09:33:56 DIVIDEND = NIL
Universal Insurance 05APR2013 09:33:56 FINANCIAL RESULT FOR THE
YEAR ENDED 31/12/2012
Universal Insurance 05APR2013 09:33:56 PROFIT/LOSS BEFORE
TAXATION RS. IN MILLION (65.672)
Universal Insurance 05APR2013 09:33:56 PROFIT/LOSS AFTER
TAXATION RS. IN MILLION (66.256)
Universal Insurance 05APR2013 09:33:56 EPS = (2.21)
Universal Insurance 05APR2013 09:33:56 ANNUAL GENERAL MEETING
WILL BE HELD ON 30/04/2013
Universal Insurance 05APR2013 09:33:56 BOOK CLOSURE FROM
22/04/2013
Universal Insurance 05APR2013 09:33:56 BOOK CLOSURE TO 30/04/2013

Universal Insurance - FINANCIAL RESULT FOR THE YEAR ENDED 31/12/2012

KSE EOD Daily Share Price Data - 06/04/2013

For: April 05, 2013
SYMBOL	OPEN RATE	HIGH RATE	LOW RATE	CLOSING RATE	TURNOVER
AACIL	6.27	6.22	6.15	6.2	13,000
AATM	3.25	3.35	2.26	3.35	96,000
ABL	57.97	58	57	57.16	73,500
ABOT	222	230	224.99	225	4,100
ACPL	120.68	121	118.55	118.9	38,000
ADAMS	23	24.15	24	24.11	8,000
ADOS	26.49	26.1	25.17	25.17	75,500
AGIC	18	18.99	18.95	18.97	10,000
AGL	13.92	14.22	13.45	13.5	116,500
AGSML	6.07	6.02	6	6.02	4,500
AGTL	210.56	211	210	210.05	5,200
AHCL	23.88	24.2	23.45	23.72	1,247,000
AHCL-CMAY	24.38	0	0	24.2	0
AHI	13.8	14.48	14	14.48	1,500
AHL	33.43	35.1	33.2	35.1	68,500
AICL	75.4	76	73.2	73.56	405,500
AICL-CMAY	76.96	0	0	75.06	0
AKBL	19.24	19.25	19.06	19.13	2,040,500
AKBL-CMAY	19.64	0	0	19.52	0
AKZO	118.05	121	118.5	119.27	311,200
ALICO	23.4	24.57	22.5	23.76	31,500
ALNRS	40.6	42.63	38.57	42.63	7,500
AMTEX	2.51	2.6	2.46	2.6	542,500
ANL	6.72	7.3	6.65	7.17	4,149,000
ANSM	10.3646	10	10	10	0
APL	499.24	497	493	496.83	11,600
APOT	12.5	12.49	12.49	12.49	0
ARPAK	15.2	14.2	14.2	14.2	1,000
ASHT	12.3	13.3	12.9	13.2	3,500
ASL	9.25	9.5	9.16	9.18	7,000
ASLPS	7.95	8.5	8	8.1	2,000
ATBA	276	274	271.56	272.5	1,900
ATIL	36.76	36	35.1	35.86	29,000
ATLH	184	183	181.5	181.5	2,800
ATRL	206.97	208.19	200	201.42	1,218,100
ATRL-CMAY	211.26	0	0	205.52	0
BAFL	15.05	15.1	14.8	14.84	505,500
BAFL-CMAY	15.36	0	0	15.14	0
BAFS	32.5	32	32	32	0
BAHL	26.24	26.31	26.21	26.25	38,500
BAHL-CMAY	26.78	0	0	26.78	0
BAHLTFC2	102.85	0	0	102.85	0
BAPL	14.4	15.4	14.5	14.52	81,000
BATA	1455.95	1528.74	1475	1528.74	4,450
BCML	39.4	41.37	40.9	41.37	13,000
BERG	22.32	22.5	21.7	21.76	54,000
BGL	6.14	6	5.7	5.98	3,000
BIPL	6.3	6.9	5.95	6.66	19,371,000
BNWM	48.75	50	47.52	50	3,000
BOK	6	6	5.82	5.9	21,000
BOP	8.56	8.7	8.4	8.52	1,796,500
BPBL	7.25	6.25	6.25	6.25	1,000
BROT	2.72	2.8	2.51	2.79	21,500
BRR	2.75	3.75	3.35	3.41	134,000
BYCO	12.28	12.58	12.15	12.2	3,988,000
CCM	35.8	37	37	35.8	500
CENI	13.69	13.79	13.5	13.5	3,000
CEPB	21	21.1	21	21.04	29,000
CFL	26.78	28.11	27.5	27.5	5,000
CHAS	8.39	8.6	8.12	8.6	21,000
CHBL	2.34	2.39	2.26	2.33	14,500
CHCC	59.3	59.7	57.99	58.52	489,000
CJPL	1.88	2.03	2.03	2.03	500
CLCPS	0.87	0.95	0.85	0.86	84,000
CLOV	72.37	75.95	74.25	75.5	12,000
CML	4.36	4.44	4.26	4.32	320,000
COLG	1940	2037	2000	2000	250
CPAL	8	7.99	7.1	7.9	14,500
CPL	262.97	265	258	259.64	27,100
CPPL	28.21	29.62	28.49	28.89	144,000
CRTM	14.32	14.26	14.25	14.25	2,500
CSAP	33.05	33.5	33.06	33.21	15,000
CSIL	6.33	6.85	6	6	6,000
CSM	1.9	1.9	1.9	1.9	500
CSUML	5.8	6	5.84	5.85	36,500
CWSM	6	6.67	5.5	5.62	39,500
CYAN	47.88	50.27	48	48.5	47,500
DAAG	6.05	7.05	5.35	7.05	112,500
DAWH	54.43	54.88	52.78	53.05	2,333,500
DBCI	2.4	2.54	2.43	2.51	123,500
DCH	2.59	2.73	2.52	2.7	75,000
DCL	5.4	5.5	5.19	5.24	3,376,500
DEL	1.98	2	1.9	1.92	9,500
DFML	3.48	3.6	3.4	3.42	543,500
DFSM	3.37	3.57	3.3	3.32	34,000
DGKC	72.43	72.9	72.1	72.3	3,309,500
DINT	56.9	57	57	57	1,000
DLL	49.51	50.5	49	49.33	5,500
DNCC	5	5.42	5.25	5.25	6,000
DOL	5.5	5.65	5.4	5.41	338,000
DSFL	2.21	2.29	2.17	2.19	246,000
DSIL	3.34	3.6	3.3	3.49	34,500
DSL	4	4.09	3.85	3.97	14,500
DWAE	2.99	3	3	3	49,000
DWSM	3.13	3.27	3.27	3.27	500
DYNO	24.25	24.89	24.2	24.89	2,500
ECOP	5	5	4.9	4.9	1,500
EFLTFC3	94.8214	0	0	94.8214	0
EFLTFC4	99.0424	0	0	99.0424	0
EFOODS	144.18	149.95	143.15	144.69	7,812,500
EFUG	85	85.75	85	85	5,000
EFUL	79.17	76.11	75.25	76.11	2,500
ELSM	53.75	54	53	53	9,000
ENGRO	135.75	136.6	133.51	134.07	6,545,800
ENGRO-CMAY	138.57	0	0	136.8	0
ENGROTFC	100.6759	0	0	100.6759	0
ENGROTFC2	100.1886	0	0	100.1886	0
EPCL	11.63	12.24	11.5	11.58	16,013,000
EXIDE	373.5	380	371	378.5	1,200
FABL	8.49	8.69	8.4	8.45	264,500
FASM	104.73	105	105	105	5,000
FATIMA	22.61	23.15	22.4	22.9	1,317,000
FCCL	8.64	8.79	8.53	8.6	6,778,500
FCCL-CMAY	8.82	0	0	8.78	0
FCSC	4.45	4.5	4.41	4.5	15,000
FDIBL	1.75	1.88	1.8	1.86	7,000
FECM	3.25	3.5	3.16	3.49	2,000
FECTC	36.78	37	36	36.59	89,000
FEM	3.05	3.2	3.15	3.2	1,000
FEROZ	81.13	81.5	80.37	80.67	101,000
FFBL	38.65	38.93	38.5	38.78	711,000
FFBL-CMAY	39.45	0	0	39.57	0
FFC	110.22	111.5	109.88	110.58	2,946,100
FFC-CMAY	112.51	0	0	112.83	0
FFLM	2.88	3.06	2.9	3.05	39,000
FHAM	8.85	8.81	8.81	8.81	500
FIBLM	1.79	1.02	1.02	1.02	1,500
FLYNG	3.66	3.65	3.41	3.5	235,000
FNBM	5.6	5.73	5.11	5.73	9,500
FNEL	2.4	2.48	2.38	2.39	6,000
FPJM	2.02	2.25	2.23	2.25	3,500
FRCL	3.52	4.52	3.41	4.52	47,500
FRSM	25	26	25.99	25.99	1,500
GADT	109.5	113.99	109	113.99	2,000
GAIL	4.17	4.25	4	4	13,500
GAMON	3.6	3.5	3.5	3.5	1,000
GASF	6.07	6.1	5.99	6.01	58,000
GATM	21	21.5	21	21	10,000
GGL	27.27	28.3	27.3	27.78	282,000
GHNI	18.11	18.65	17.5	18.02	44,500
GHNL	6.6	6.7	6.5	6.56	30,000
GLAXO	81.79	82.45	81.25	81.87	132,000
GLPL	138.6	145.53	145.53	145.53	1,500
GRAYS	39.84	39.9	39.9	39.9	500
GSPM	5	5.1	5.05	5.05	6,500
GTYR	30.61	32.1	30.6	31.78	178,000
GVGL	25.9	26.95	26.75	26.75	2,500
GWLC	11.2	11.2	10.5	10.71	5,500
HABSM	22.88	23.45	22.55	23.18	55,500
HADC	2.03	2.2	2.01	2.2	86,000
HAL	23.5	23	23	23	500
HBL	96.94	97	96.3	96.98	69,200
HCAR	32.3	33.91	32.6	33.85	869,000
HICL	13.4	13.5	13.5	13.5	13,000
HINO	84.5	83	83	83	1,000
HINOON	57	59.85	55.5	57.71	18,500
HIRAT	15.59	16.03	15	15.49	66,000
HMB	15	15.16	14.8	14.95	215,000
HUBC	52.81	52.9	52.6	52.73	239,000
HUBC-CMAY	53.91	0	0	53.8	0
HUSS	22.91	24	24	24	500
IBFL	46.17	46.7	46.7	46.7	500
IBLHL	27.09	27.9	27	27.12	72,000
ICCT	2.98	3.7	2.91	2.91	56,000
ICI	141.7	148.78	143.75	147.31	202,800
ICIBL	1.5	1.53	1.45	1.51	25,500
IDRT	11.45	10.7	10.7	10.7	500
IDYM	400	411	400	400	10,100
IFSL	15.93	15.11	15.1	15.11	1,000
IGIBL	2.03	1.99	1.93	1.95	26,500
IGIIL	109.69	115.17	115.17	115.17	21,000
INDU	303.43	304	304	304	1,000
INIL	31.24	31.4	31.15	31.25	23,500
ISIL	180	188.99	180	184	2,000
ISL	13.6	13.55	13.1	13.51	47,500
ISTM	18.3	19.3	18.3	18.76	93,000
JDMT	36	37.8	37.7	37.8	4,500
JGICL	59	60	57.25	58.18	1,500
JKSM	23.75	22.6	22.6	22.6	500
JLICL	88.5	89.49	88.15	88.99	7,500
JOPP	8.48	8.5	8.5	8.5	1,000
JPGL	1.63	1.7	1.62	1.64	65,000
JSBL	4.29	4.8	4.31	4.78	3,547,500
JSCL	12.3	13.3	12.03	13.3	9,318,500
JSGCL	30.01	31.51	30.01	31.51	17,500
JSGF	8.6	8.6	8.35	8.5	86,500
JSIL	6.93	7.8	6.88	7.73	2,418,000
JSTFC6	100.0797	0	0	100.0797	0
JSVFL	10.5	10.8	10.65	10.8	9,500
JUBS	3.36	3.5	2.36	2.81	7,500
KAPCO	53.51	53.99	53.5	53.5	17,500
KAPCO-CMAY	54.62	0	0	54.59	0
KASBB	2.09	2.1	1.95	2	11,000
KASBSL	5.75	5.99	5.66	5.82	134,000
KCL	7.5	7.7	7.7	7.7	1,000
KESC	5.8	5.95	5.75	5.8	976,000
KML	16	17	15.92	17	13,500
KOHC	83.48	86.2	83.99	84.13	217,500
KOHE	24.75	25.13	24.75	25.03	536,000
KOHP	2.75	2.75	2.6	2.75	9,500
KOHTM	12.45	12.95	12.75	12.75	7,500
KOIL	2.86	2.85	2.65	2.77	52,000
KOSM	6.5	6.55	6	6.21	50,500
KSBP	65	66	65	65.86	4,500
KSTM	4.15	4	3.3	4	1,000
KTML	15.64	15.95	15.5	15.5	10,000
LINDE	160.88	159	158	158	300
LOTPTA	7.39	7.54	7.33	7.37	2,204,500
LPCL	6.96	7.06	6.8	6.85	3,825,500
LUCK	169.92	170.6	169.5	169.57	129,800
LUCK-CMAY	173.44	0	0	173.02	0
MACFL	25.75	26.15	25.01	25.74	8,500
MARI	97.25	97.64	97	97.15	9,500
MBF	11.7	11.8	11.5	11.5	25,000
MCB	194.28	202.05	193.85	197.6	541,900
MCB-CMAY	198.31	0	0	201.63	0
MEBL	26.5	26.63	26.11	26.39	10,000
MERIT	21.71	21.1	21	21	1,500
MFFL	349.57	367.04	355	367.04	14,900
MFTM	2.88	3	2.7	2.82	27,500
MIRKS	39.43	41.4	39.99	41.4	11,500
MLCF	19.37	19.49	18.56	18.67	13,783,000
MODAM	1.5	1.4	1.4	1.4	500
MQTM	20.5	21.1	20.9	20.9	15,000
MRNS	60.63	62	62	62	1,500
MTIL	1.81	1.9	1.9	1.9	5,000
MTL	516.88	517	515	515.2	3,200
MUBT	4.41	4.88	4.16	4.69	11,500
MUREB	180.24	189.25	189.25	189.25	5,500
MWMP	2.83	2.81	2.78	2.8	1,000
MZSM	3.75	3.95	3.85	3.85	11,000
NATF	371.31	376.5	363	366.78	7,100
NBP	38.74	39.1	38.51	38.65	801,500
NCL	50.12	50.49	49.49	49.52	474,000
NCPL	28.67	28.67	28.12	28.24	356,500
NETSOL	22.18	22.95	22	22.12	1,419,000
NIB	2.28	2.33	2.25	2.26	2,167,000
NIBTFC	99.992	100	100	99.9928	6,410
NICL	3.21	3.29	3.18	3.25	129,000
NML	84.28	84.9	83.3	83.53	1,992,500
NOPK	48.15	50.55	50.55	50.55	8,500
NPL	26.75	26.55	25.96	26.14	44,500
NRL	237.97	244	235	241.31	360,600
OGDC	205.14	207.48	204.11	204.48	98,200
OLPL	15.4	15.69	15.69	15.69	500
OTSU	33.1	34.75	33.5	34.75	5,000
PACE	3.57	3.69	3.4	3.48	1,233,000
PAEL	9.94	10.94	10.11	10.94	5,915,000
PAKRI	23.43	23.9	23.25	23.48	297,000
PAKT	84	82	80.11	80.12	1,500
PASL	2.51	2.68	2.5	2.61	453,500
PASM	6.1	6.5	6.05	6.05	1,500
PECO	49.6619	47.6182	47.6182	47.6182	0
PEF	9.5	9.5	9.45	9.5	41,500
PGCL	145.56	148	143.5	147.95	400
PGF	16.76	16.95	16.75	16.75	94,000
PIAA	6.96	7.09	6.65	6.72	1,466,000
PICT	189.17	191	188	188.3	800
PIF	7.56	7.65	7.55	7.56	232,000
PINL	7.75	8.4	7.97	8	13,500
PIOC	22.47	22.74	22.15	22.26	404,500
PKGI	16.38	16.99	15.5	16.95	11,000
PKGP	20.68	21	20.5	20.82	500,000
PKGS	197.08	198.99	195.25	196.17	10,500
PMI	1.53	1.6	1.5	1.52	30,500
PMPK	316.42	330	320	328.97	26,700
PMRS	70	69.45	69.45	69.45	0
PMTFC6	99.9921	0	0	99.9921	0
PMTFC7	101.1468	0	0	101.1468	0
PNSC	40.5	42.4	40.5	41.26	32,500
POL	470.26	475	468.61	472.85	399,300
PPL	181.42	181.98	180.01	180.36	138,600
PPP	43.55	45.72	42.9	43.65	174,500
PPVC	4.5	4.75	4.75	4.75	1,000
PRET	125.27	131.25	131	131.25	2,500
PRL	97.63	97.98	95.8	96.07	25,000
PRWM	29.21	29	28	28	46,500
PSEL	200	210	209.8	209.9	4,500
PSMC	104.6	108	105	107.26	53,500
PSO	203.11	204	201.85	202.04	638,100
PSYL	18.99	19.99	19.5	19.99	1,000
PTC	20.66	21.44	20.73	21.23	16,100,500
QUET	34.6	36	33	33.9	5,000
QUICE	9.77	10.51	9.4	9.62	4,617,500
REDCO	3.09	4	3.16	3.16	8,500
RICL	9.69	9.79	9.6	9.69	4,000
RUPL	24.9	25.7	25	25	11,000
SAIF	20.55	21.57	20.95	21.22	276,500
SANE	5.9	5	5	5	1,000
SANSM	24.6	25.8	25.4	25.55	2,000
SAPL	375	392	375	385.75	400
SARC	7.05	6.9	6.9	6.9	3,500
SASML	11.4333	12.43	12.43	12.43	500
SAZEW	17.5	17.35	17.31	17.31	3,500
SBL	2.3	2.32	2.27	2.32	1,000
SCBPL	13.35	13.5	13.26	13.3	14,000
SCL	131.2	137.76	137.76	131.2	100
SCM	12.4	12.5	12.5	12.5	7,000
SEARL	65.78	69.06	66.9	67.56	505,000
SEL	26.75	27	27	27	1,000
SEPCO	1.31	1.39	1.27	1.33	106,000
SEPL	53.85	53.84	53.84	53.84	1,000
SFL	180	173.5	173.5	173.5	300
SGML	19.02	19.5	18.5	18.95	47,500
SGPL	3.21	3.35	3	3.04	35,000
SHCI	4	3.75	3.25	3.69	2,000
SHCM	19	18	18	18	500
SHEL	147.41	149.5	142	143.01	527,700
SHFA	43.99	43.5	43.5	43.5	0
SHSML	25.65	26.25	26.25	25.65	6,000
SIBL	3.31	3.88	3.15	3.88	2,000
SIEM	605	596	595	595.25	200
SILK	2.03	2.08	2	2.02	992,500
SING	19.88	19.5	19.02	19.02	1,500
SITC	203.87	210	202	205.15	34,500
SKFL	10.69	11	10.19	10.44	516,500
SKRS	3.77	4	3.77	4	4,000
SLYT	28.14	29.54	29.5	29.54	3,500
SMBL	2.65	2.7	2.61	2.63	256,000
SMCPL	8.24	8.25	7.5	8.25	100,500
SMTM	6.01	6.25	5.77	5.8	19,000
SNAI	52	51.5	49.4	51.48	2,500
SNBL	6.23	6.2	6.07	6.1	647,500
SNGP	16.96	17.15	16.81	16.88	233,500
SPL	14.19	14.75	14.2	14.31	1,069,500
SPLC	2.3	3.25	2.3	2.74	23,000
SRVI	166.28	166.15	166.11	166.13	200
SSGC	15.92	16	15.77	15.8	149,000
SSML	8.51	9.33	8.65	9.03	664,000
STJT	33	31.5	31.5	33	8,000
STPL	7.59	7.64	7.23	7.64	1,500
SURC	63	64	63.5	63.98	3,000
SUTM	237.5	230	230	230	4,000
TATM	29.5	30.9	30	30.9	2,500
TCLTC	33.52	34.1	34	34	131,000
TDIL	9.88	10	9.95	10	1,000
TELE	5.87	6.22	5.85	6.1	10,816,000
TGL	19.18	19.25	18.8	18.81	94,000
THALL	108.37	112	107.5	107.83	93,000
THCCL	27.9086	27.8	27.8	27.8	0
TPL	6.12	6.44	6.01	6.19	114,000
TREET	57.76	60.64	57.6	60.64	312,000
TREI	1.79	1.85	1.63	1.75	9,500
TRG	8.08	8.35	7.65	7.74	10,337,000
TRIBL	2	1.81	1.8	1.8	8,000
TRIPF	191.36	190.95	189.05	190.03	3,900
TRPOL	1.47	1.9	1.9	1.9	500
TRSM	2.5	2.01	2.01	2.01	500
TSMF	3.39	3.74	3.59	3.69	1,500
TSML	82.79	86.92	86.9	86.92	5,000
TSPL	1.42	1.42	1.3	1.3	2,000
UBL	85.42	87.5	85	87.13	161,000
UBLTFC3	101.4667	0	0	101.4667	0
UBLTFC4	102.15	102	102	102.15	3,000
UCAPM	1.55	1.5	1.5	1.5	500
UDPL	15	15.01	14.15	15	10,500
ULEVER	15000	15000	15000	15000	28,220
UNIC	11.49	12.49	11	11.1	82,000
UPFL	4584.51	4427	4405	4427	60
UVIC	4.47	4.2	3.53	3.6	43,000
WAHN	48.15	48.26	48.26	48.26	1,000
WTCL	4.21	4.38	4.16	4.18	2,647,000
WTL	3.15	3.2	3.07	3.11	2,154,500
WYETH	936	982.8	940	982.8	5,350
YOUW	3.16	3.4	3	3.01	47,500
ZAHT	15.5	15.75	14.5	15.15	3,500
ZIL	83.49	87.65	87.65	83.49	500
ZTL	4.8	4.7	4.7	4.7	1,000
Total Turnover					206,881,640

KSE EOD Daily Share Price Data - 06/04/2013