Adamjee Life Assurance Valuation

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

ALIFE (PKR30.27) is trading above our estimate of [[fair value]] (PKR9.95)

Is ALIFE undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

1/6

Valuation Score 1/6

Below Fair Value
Significantly Below Fair Value
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Analyst Forecast

Share Price vs Fair Value

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

Below Fair Value: ALIFE (PKR30.27) is trading above our estimate of fair value (PKR9.95)

Significantly Below Fair Value: ALIFE is trading above our estimate of fair value.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for ALIFE?

Key metric: As ALIFE is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for ALIFE. This is calculated by dividing ALIFE's market cap by their current earnings.
What is ALIFE's PE Ratio?
PE Ratio	5.6x
Earnings	PK₨1.35b
Market Cap	PK₨7.57b

ALIFE key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenue	0.08x
Enterprise Value/EBITDA	1.8x
PEG Ratio	n/a

Price to Earnings Ratio vs Peers

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

The above table shows the PE ratio for ALIFE vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
Company	Forward PE	Estimated Growth	Market Cap
Peer Average	8.6x
JLICL Jubilee Life Insurance	5.6x	n/a	PK₨14.4b
EFUL EFU Life Assurance	6.9x	n/a	PK₨19.2b
IGIL IGI Life Insurance	11x	n/a	PK₨2.5b
IGIHL IGI Holdings	10.9x	n/a	PK₨25.5b
ALIFE Adamjee Life Assurance	5.6x	n/a	PK₨7.6b

Price-To-Earnings vs Peers: ALIFE is good value based on its Price-To-Earnings Ratio (5.6x) compared to the peer average (8.6x).

Price to Earnings Ratio vs Industry

How does ALIFE's PE Ratio compare vs other companies in the PK Insurance Industry?

0 Companies	Price / Earnings	Estimated Growth	Market Cap

No more companies available in this PE range

0 Companies		Estimated Growth	Market Cap

No more companies

Price-To-Earnings vs Industry: ALIFE is expensive based on its Price-To-Earnings Ratio (5.6x) compared to the PK Insurance industry average (4.8x).

Price to Earnings Ratio vs Fair Ratio

What is ALIFE'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.

ALIFE PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio	5.6x
Fair PE Ratio	n/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate ALIFE's Price-To-Earnings Fair Ratio 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.