FCIBL Stock Overview

A non-banking finance company, provides investment finance services in Pakistan. More details

FCIBL fundamental analysis
Snowflake Score
Valuation	1/6
Future Growth	0/6
Past Performance	4/6
Financial Health	1/6
Dividends	0/6

Rewards

Earnings grew by 120.1% over the past year

Risk Analysis

Interest payments are not well covered by earnings

Does not have a meaningful market cap (PKR516M)

Highly volatile share price over the past 3 months compared to the PK market

Large one-off items impacting financial results

+ 1 more risk

My Notes

Capture your thoughts, links and company narrative

First Credit and Investment Bank Limited Competitors

AKD Hospitality

KASE:AKDHL

PK₨393.9m

Security Investment Bank

KASE:SIBL

PK₨508.1m

First Capital Equities

KASE:FCEL

PK₨832.5m

Invest Capital Investment Bank

KASE:ICIBL

PK₨435.8m

Price History & Performance

Summary of share price highs, lows and changes for First Credit and Investment Bank
Historical stock prices
Current Share Price	PK₨7.94
52 Week High	PK₨9.88
52 Week Low	PK₨5.50
Beta	0.90
1 Month Change	-3.64%
3 Month Change	2.45%
1 Year Change	n/a
3 Year Change	27.04%
5 Year Change	98.50%
Change since IPO	-11.78%

Recent updates

Shareholder Returns

	FCIBL	PK Capital Markets	PK Market
7D	-0.7%	-3.6%	-2.0%
1Y	n/a	57.6%	50.7%

Return vs Industry: Insufficient data to determine how FCIBL performed against the PK Capital Markets industry.

Return vs Market: Insufficient data to determine how FCIBL performed against the PK Market.

Price Volatility

Is FCIBL's price volatile compared to industry and market?
FCIBL volatility
FCIBL Average Weekly Movement	12.8%
Capital Markets Industry Average Movement	8.9%
Market Average Movement	7.0%
10% most volatile stocks in PK Market	9.7%
10% least volatile stocks in PK Market	4.4%

Stable Share Price: FCIBL's share price has been volatile over the past 3 months compared to the PK market.

Volatility Over Time: FCIBL's weekly volatility (13%) has been stable over the past year, but is still higher than 75% of PK stocks.

About the Company

Founded	Employees	CEO	Website
1989	26	Muhammad Ali	www.fcibank.com.pk

First Credit and Investment Bank Limited, a non-banking finance company, provides investment finance services in Pakistan. The company offers a range of fund based products and services, such as syndication/direct financing services, treasury/money market services, equity investments/trading services, and fixed income/debt securities; investment banking and advisory services, including debt and debt arrangements, and other services; and financing facilities against certificates of NSS and units of open-ended collective investment scheme. It also provides fees based services comprising issuance guarantees, bid bonds, SBLC, advisory services, and corporate finance and advisory services; car loans; and consumer financing-security/mutual funds services.

First Credit and Investment Bank Limited Fundamentals Summary

How do First Credit and Investment Bank's earnings and revenue compare to its market cap?
FCIBL fundamental statistics
Market cap	PK₨516.10m
Earnings (TTM)	PK₨36.64m
Revenue (TTM)	PK₨553.35m

14.1x

P/E Ratio

0.9x

P/S Ratio

Is FCIBL overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
FCIBL income statement (TTM)
Revenue	PK₨553.35m
Cost of Revenue	PK₨62.35m
Gross Profit	PK₨491.01m
Other Expenses	PK₨454.37m
Earnings	PK₨36.64m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	0.56
Gross Margin	88.73%
Net Profit Margin	6.62%
Debt/Equity Ratio	355.1%

How did FCIBL perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/01/30 23:06
End of Day Share Price	2025/01/28 00:00
Earnings	2024/09/30
Annual Earnings	2024/06/30

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

First Credit and Investment Bank Limited is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution

FCIBL Stock Overview

Rewards

Risk Analysis

First Credit and Investment Bank Limited Competitors

KASE:AKDHL

PK₨393.9m

KASE:SIBL

PK₨508.1m

KASE:FCEL

PK₨832.5m

KASE:ICIBL

PK₨435.8m

Price History & Performance

Recent News & Updates

Investor sentiment deteriorates as stock falls 19%

First quarter 2025 earnings released: EPS: PK₨0.17 (vs PK₨0.097 in 1Q 2024)

Full year 2024 earnings released: EPS: PK₨0.49 (vs PK₨0.20 in FY 2023)

First Credit and Investment Bank Limited, Annual General Meeting, Oct 05, 2024

First Credit and Investment Bank Limited, Annual General Meeting, Oct 05, 2024

Investor sentiment improves as stock rises 15%

Recent updates

Investor sentiment deteriorates as stock falls 19%

First quarter 2025 earnings released: EPS: PK₨0.17 (vs PK₨0.097 in 1Q 2024)

Full year 2024 earnings released: EPS: PK₨0.49 (vs PK₨0.20 in FY 2023)

First Credit and Investment Bank Limited, Annual General Meeting, Oct 05, 2024

First Credit and Investment Bank Limited, Annual General Meeting, Oct 05, 2024

Investor sentiment improves as stock rises 15%

Investor sentiment deteriorates as stock falls 23%

Third quarter 2024 earnings released: EPS: PK₨0.16 (vs PK₨0.097 in 3Q 2023)

Investor sentiment improves as stock rises 27%

Second quarter 2024 earnings released: EPS: PK₨0.20 (vs PK₨0.13 in 2Q 2023)

Investor sentiment improves as stock rises 19%

First quarter 2024 earnings released: EPS: PK₨0.10 (vs PK₨0.041 in 1Q 2023)

Investor sentiment improves as stock rises 21%

Full year 2023 earnings released: EPS: PK₨0.20 (vs PK₨0.13 in FY 2022)

Investor sentiment deteriorates as stock falls 15%

First Credit and Investment Bank Limited Approves Appointment of Amjad Iqbal as Director

Investor sentiment improves as stock rises 19%

High number of new directors

High number of new directors

Second quarter 2023 earnings released: EPS: PK₨0.13 (vs PK₨0.07 in 2Q 2022)

Investor sentiment deteriorates as stock falls 16%

Investor sentiment deteriorates as stock falls 25%

Investor sentiment deteriorated over the past week

Investor sentiment deteriorated over the past week

High number of new directors

Investor sentiment improved over the past week

Full year 2022 earnings released: EPS: PK₨0.13 (vs PK₨0.32 in FY 2021)

Investor sentiment improved over the past week

Investor sentiment improved over the past week

Less than half of directors are independent

Investor sentiment improved over the past week

Less than half of directors are independent

Investor sentiment deteriorated over the past week

Investor sentiment improved over the past week

Investor sentiment deteriorated over the past week

Investor sentiment deteriorated over the past week

First quarter 2022 earnings released: EPS PK₨0.05 (vs PK₨0.11 in 1Q 2021)

Investor sentiment deteriorated over the past week

Full year 2021 earnings released: EPS PK₨0.32 (vs PK₨0.44 in FY 2020)

Less than half of directors are independent

Investor sentiment improved over the past week

Investor sentiment improved over the past week

Third quarter 2021 earnings released: EPS PK₨0.15 (vs PK₨0.21 in 3Q 2020)

Investor sentiment improved over the past week

Investor sentiment deteriorated over the past week

Investor sentiment deteriorated over the past week

First Credit and Investment Bank Limited Appoints Jamal Nasim as Independent Director

Second quarter 2021 earnings released: EPS PK₨0.11 (vs PK₨0.099 in 2Q 2020)

New 90-day high: PK₨10.00

New 90-day high: PK₨9.85

Investor sentiment improved over the past week

Investor sentiment improved over the past week

New 90-day low: PK₨6.25

New 90-day low: PK₨6.60

Market pulls back on stock over the past week

First quarter earnings released

First Credit and Investment Bank Limited to Report Q3, 2020 Results on Oct 23, 2020

Full year earnings released - EPS PK₨0.44

First Credit and Investment Bank Limited to Report Fiscal Year 2020 Results on Sep 29, 2020