How does PMI's PE Ratio compare to its peers?

PMI is good value based on its Price-To-Earnings Ratio (9x) compared to the peer average (23.4x).

How does PMI's PE Ratio compare vs other companies in the Asian Diversified Financial Industry?

PMI is good value based on its Price-To-Earnings Ratio (9x) compared to the Asian Diversified Financial industry average (21.1x).

What is PMI's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

Insufficient data to calculate PMI's Price-To-Earnings Fair Ratio for valuation analysis.

What is the Fair Price of PMI when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Insufficient data to calculate PMI's fair value for valuation analysis.

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Insufficient data to show price forecast.

PMI Stock Overview

Provides Islamic financial products in Pakistan. More details

PMI fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	0/6
Past Performance	2/6
Financial Health	4/6
Dividends	3/6

Risk Analysis

Does not have a meaningful market cap (PKR396M)

Makes less than USD$1m in revenue (PKR200M)

Volatile share price over the past 3 months compared to the PK market

Unstable dividend track record

+ 1 more risk

My Notes

Capture your thoughts, links and company narrative

First Prudential Modaraba Competitors

Pak-Gulf Leasing

KASE:PGLC

PK₨587.2m

Trust Modaraba

KASE:TRSM

PK₨112.9m

OLP Modaraba

KASE:OLPM

PK₨733.4m

First Dawood Properties

KASE:FDPL

PK₨373.9m

Price History & Performance

Summary of share price highs, lows and changes for First Prudential Modaraba
Historical stock prices
Current Share Price	PK₨3.06
52 Week High	PK₨4.24
52 Week Low	PK₨1.57
Beta	0.54
1 Month Change	-5.85%
3 Month Change	-18.62%
1 Year Change	56.12%
3 Year Change	50.00%
5 Year Change	144.80%
Change since IPO	91.25%

Recent updates

Shareholder Returns

	PMI	PK Diversified Financial	PK Market
7D	-3.2%	-0.4%	-4.6%
1Y	56.1%	35.3%	54.3%

Return vs Industry: PMI exceeded the PK Diversified Financial industry which returned 35.3% over the past year.

Return vs Market: PMI exceeded the PK Market which returned 54.3% over the past year.

Price Volatility

Is PMI's price volatile compared to industry and market?
PMI volatility
PMI Average Weekly Movement	10.1%
Diversified Financial Industry Average Movement	5.7%
Market Average Movement	7.1%
10% most volatile stocks in PK Market	10.1%
10% least volatile stocks in PK Market	4.8%

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

Volatility Over Time: PMI's weekly volatility (10%) has been stable over the past year, but is still higher than 75% of PK stocks.

About the Company

Founded	Employees	CEO	Website
1989	14	Sadaf Shabbir	www.firstprudentialmodaraba.com

First Prudential Modaraba provides Islamic financial products in Pakistan. The company is involved in ijarah financing, musharaka and diminishing musharaka, and auto car financing activities. It also offers salam, a short-term agreement for prepayments of future delivery of a specified quantity of goods.

First Prudential Modaraba Fundamentals Summary

How do First Prudential Modaraba's earnings and revenue compare to its market cap?
PMI fundamental statistics
Market cap	PK₨395.94m
Earnings (TTM)	PK₨43.95m
Revenue (TTM)	PK₨199.93m

9.0x

P/E Ratio

2.0x

P/S Ratio

Is PMI overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
PMI income statement (TTM)
Revenue	PK₨199.93m
Cost of Revenue	PK₨3.54m
Gross Profit	PK₨196.38m
Other Expenses	PK₨152.43m
Earnings	PK₨43.95m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	0.34
Gross Margin	98.23%
Net Profit Margin	21.98%
Debt/Equity Ratio	19.7%

How did PMI perform over the long term?

See historical performance and comparison

Dividends

9.8%

Current Dividend Yield

88%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/21 11:08
End of Day Share Price	2024/12/20 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 Prudential Modaraba 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

PMI Stock Overview

Risk Analysis

First Prudential Modaraba Competitors

KASE:PGLC

PK₨587.2m

KASE:TRSM

PK₨112.9m

KASE:OLPM

PK₨733.4m

KASE:FDPL

PK₨373.9m

Price History & Performance

Recent News & Updates

New major risk - Share price stability

Investor sentiment improves as stock rises 21%

First quarter 2025 earnings released: EPS: PK₨0.06 (vs PK₨0.19 in 1Q 2024)

Investor sentiment deteriorates as stock falls 16%

First Prudential Modaraba, Annual General Meeting, Oct 26, 2024

First Prudential Modaraba, Annual General Meeting, Oct 26, 2024

Recent updates

New major risk - Share price stability

Investor sentiment improves as stock rises 21%

First quarter 2025 earnings released: EPS: PK₨0.06 (vs PK₨0.19 in 1Q 2024)

Investor sentiment deteriorates as stock falls 16%

First Prudential Modaraba, Annual General Meeting, Oct 26, 2024

First Prudential Modaraba, Annual General Meeting, Oct 26, 2024

Investor sentiment improves as stock rises 21%

Investor sentiment improves as stock rises 30%

Less than half of directors are independent

First quarter 2024 earnings released: EPS: PK₨0.19 (vs PK₨0.069 in 1Q 2023)

Investor sentiment improves as stock rises 23%

Investor sentiment improves as stock rises 32%

New minor risk - Shareholder dilution

Investor sentiment improves as stock rises 17%

Investor sentiment improves as stock rises 17%

Third quarter 2023 earnings released: EPS: PK₨0.13 (vs PK₨0.05 in 3Q 2022)

Investor sentiment improves as stock rises 22%

Second quarter 2023 earnings released: EPS: PK₨0.09 (vs PK₨0.04 in 2Q 2022)

Investor sentiment deteriorates as stock falls 16%

Less than half of directors are independent

Full year 2022 earnings released: EPS: PK₨0.22 (vs PK₨0.11 in FY 2021)

Upcoming dividend of PK₨0.17 per share

Investor sentiment improved over the past week

Third quarter 2022 earnings released: EPS: PK₨0.05 (vs PK₨0.02 in 3Q 2021)

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 improved over the past week

First quarter 2022 earnings released: EPS PK₨0.04 (vs PK₨0.021 in 1Q 2021)

Investor sentiment deteriorated over the past week

Investor sentiment deteriorated over the past week

Upcoming dividend of PK₨0.08 per share

Full year 2021 earnings released: EPS PK₨0.11 (vs PK₨0.062 loss in FY 2020)

Investor sentiment deteriorated over the past week

Investor sentiment improved over the past week

Investor sentiment improved 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

Investor sentiment deteriorated over the past week

Second quarter 2021 earnings released: EPS PK₨0.04 (vs PK₨0.17 loss in 2Q 2020)

New 90-day high: PK₨1.50

First Prudential Modaraba Announces Change of Company Secretary

New 90-day low: PK₨1.05

First quarter earnings released

Full year earnings released - PK₨0.062 loss per share

Full year earnings released - PK₨0.06 loss per share

First Prudential Modaraba to Report Fiscal Year 2020 Results on Sep 24, 2020

New 90-day high - PK₨1.37

New 90-day high - PK₨1.06

Shareholder Returns

Price Volatility

About the Company

First Prudential Modaraba Fundamentals Summary

9.0x

2.0x

Earnings & Revenue

Dividends

9.8%