AICL Stock Overview
Adamjee Insurance Company Limited engages in the general insurance business in Pakistan and the United Arab Emirates.
Adamjee Insurance Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||PK₨31.80|
|52 Week High||PK₨44.95|
|52 Week Low||PK₨29.00|
|1 Month Change||0.13%|
|3 Month Change||0.66%|
|1 Year Change||-22.44%|
|3 Year Change||15.64%|
|5 Year Change||-53.94%|
|Change since IPO||471.93%|
Recent News & Updates
|AICL||PK Insurance||PK Market|
Return vs Industry: AICL exceeded the PK Insurance industry which returned -26.5% over the past year.
Return vs Market: AICL underperformed the PK Market which returned -16.2% over the past year.
|AICL Average Weekly Movement||4.7%|
|Insurance Industry Average Movement||5.6%|
|Market Average Movement||5.4%|
|10% most volatile stocks in PK Market||8.0%|
|10% least volatile stocks in PK Market||3.4%|
Stable Share Price: AICL is not significantly more volatile than the rest of PK stocks over the past 3 months, typically moving +/- 5% a week.
Volatility Over Time: AICL's weekly volatility (5%) has been stable over the past year.
About the Company
Adamjee Insurance Company Limited engages in the general insurance business in Pakistan and the United Arab Emirates. The company offers engineering insurance, including electronic equipment, boiler and pressure vessel, machinery, erection all risks, and contractor's all risk insurance; fire and property insurance for buildings, stock, machinery, and other contents; and health and medical insurance. It also provides marine insurance, such as marine hull and machinery, marine cargo, and marine umbrella liability insurance; and retail auto insurance.
Adamjee Insurance Fundamentals Summary
|AICL fundamental statistics|
Is AICL overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|AICL income statement (TTM)|
|Cost of Revenue||PK₨31.75b|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
|Earnings per share (EPS)||7.29|
|Net Profit Margin||6.37%|
How did AICL perform over the long term?See historical performance and comparison
9.4%Current Dividend Yield
Is AICL undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 2/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for AICL?
Other financial metrics that can be useful for relative valuation.
|What is AICL's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does AICL's PE Ratio compare to its peers?
|AICL PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
EFUG EFU General Insurance
JGICL Jubilee General Insurance
ATIL Atlas Insurance
UNIC United Insurance Company of Pakistan
AICL Adamjee Insurance
Price-To-Earnings vs Peers: AICL is good value based on its Price-To-Earnings Ratio (4.4x) compared to the peer average (5.2x).
Price to Earnings Ratio vs Industry
How does AICL's PE Ratio compare vs other companies in the Asian Insurance Industry?
Price-To-Earnings vs Industry: AICL is good value based on its Price-To-Earnings Ratio (4.4x) compared to the PK Insurance industry average (6.3x)
Price to Earnings Ratio vs Fair Ratio
What is AICL'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.
|Current PE Ratio||4.4x|
|Fair PE Ratio||n/a|
Price-To-Earnings vs Fair Ratio: Insufficient data to calculate AICL's Price-To-Earnings Fair Ratio for valuation analysis.
Share Price vs Fair Value
What is the Fair Price of AICL when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: Insufficient data to calculate AICL's fair value for valuation analysis.
Significantly Below Fair Value: Insufficient data to calculate AICL's fair value for valuation analysis.
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
Analyst Forecast: Insufficient data to show price forecast.
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How is Adamjee Insurance forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Future Growth Score0/6
Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted Insurance industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Adamjee Insurance has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
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- Examine Adamjee Insurance's financial health to determine how well-positioned it is against times of financial stress by looking at its level of debt over time and how much cash it has left.
How has Adamjee Insurance performed over the past 5 years?
Past Performance Score1/6
Past Performance Score 1/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: AICL has a large one-off gain of PKR655.9M impacting its March 31 2022 financial results.
Growing Profit Margin: AICL's current net profit margins (6.4%) are lower than last year (6.4%).
Past Earnings Growth Analysis
Earnings Trend: AICL's earnings have grown by 8.5% per year over the past 5 years.
Accelerating Growth: AICL's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: AICL had negative earnings growth (-0.3%) over the past year, making it difficult to compare to the Insurance industry average (0.3%).
Return on Equity
High ROE: AICL's Return on Equity (9.5%) is considered low.
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How is Adamjee Insurance's financial position?
Financial Health Score5/6
Financial Health Score 5/6
Short Term Liabilities
Long Term Liabilities
Financial Position Analysis
Short Term Liabilities: AICL's short term assets (PKR97.9B) exceed its short term liabilities (PKR37.6B).
Long Term Liabilities: AICL's short term assets (PKR97.9B) exceed its long term liabilities (PKR63.6B).
Debt to Equity History and Analysis
Debt Level: AICL has more cash than its total debt.
Reducing Debt: Insufficient data to determine if AICL's debt to equity ratio has reduced over the past 5 years.
Debt Coverage: AICL's debt is well covered by operating cash flow (1019.7%).
Interest Coverage: AICL's interest payments on its debt are well covered by EBIT (40.3x coverage).
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What is Adamjee Insurance current dividend yield, its reliability and sustainability?
Dividend Score 4/6
Cash Flow Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: AICL's dividend (9.43%) is higher than the bottom 25% of dividend payers in the PK market (3.8%).
High Dividend: AICL's dividend (9.43%) is low compared to the top 25% of dividend payers in the PK market (10.99%).
Stability and Growth of Payments
Stable Dividend: AICL's dividend payments have been volatile in the past 10 years.
Growing Dividend: AICL's dividend payments have increased over the past 10 years.
Earnings Payout to Shareholders
Earnings Coverage: With its reasonably low payout ratio (41.2%), AICL's dividend payments are well covered by earnings.
Cash Payout to Shareholders
Cash Flow Coverage: With its low cash payout ratio (12.3%), AICL's dividend payments are thoroughly covered by cash flows.
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How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Mr. Muhammad Ali Zeb, ECA, has been the Chief Executive Officer of Adamjee Insurance Company Limited since June 4, 2013 and serves as its Managing Director. Previously, Mr. Zeb served as Managing Director...
Experienced Management: AICL's management team is seasoned and experienced (8.4 years average tenure).
Experienced Board: AICL's board of directors are considered experienced (3.7 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Adamjee Insurance Company Limited's employee growth, exchange listings and data sources
- Name: Adamjee Insurance Company Limited
- Ticker: AICL
- Exchange: KASE
- Founded: 1960
- Industry: Property and Casualty Insurance
- Sector: Insurance
- Implied Market Cap: PK₨11.130b
- Shares outstanding: 350.00m
- Website: https://www.adamjeeinsurance.com
Number of Employees
- Adamjee Insurance Company Limited
- Adamjee House 80/A
- Block E-1, Main Boulevard
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/08/09 00:00|
|End of Day Share Price||2022/08/05 00:00|
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.