How does UVIC's PS Ratio compare to its peers?

UVIC is good value based on its Price-To-Sales Ratio (10.4x) compared to the peer average (13.8x).

How does UVIC's PS Ratio compare vs other companies in the PK Insurance Industry?

UVIC is expensive based on its Price-To-Sales Ratio (10.4x) compared to the PK Insurance industry average (0.7x).

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

Insufficient data to calculate UVIC's Price-To-Sales Fair Ratio for valuation analysis.

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

Insufficient data to calculate UVIC'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.

Universal Insurance (KASE:UVIC) - Stock Price, News & Analysis

UVIC Stock Overview

Provides a range of non-life insurance products and services in Pakistan. More details

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

Risk Analysis

Does not have a meaningful market cap (PKR495M)

Makes less than USD$1m in revenue (PKR48M)

Earnings have declined by 45% per year over past 5 years

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

The Universal Insurance Company Limited Competitors

Pakistan General Insurance

KASE:PKGI

PK₨517.5m

Premier Insurance

KASE:PINL

PK₨281.1m

Crescent Star Insurance

KASE:CSIL

PK₨324.2m

Habib Insurance

KASE:HICL

PK₨864.6m

Price History & Performance

Summary of all time highs, changes and price drops for Universal Insurance
Historical stock prices
Current Share Price	PK₨9.89
52 Week High	PK₨10.98
52 Week Low	PK₨4.31
Beta	-0.030
11 Month Change	43.33%
3 Month Change	-9.60%
1 Year Change	79.82%
33 Year Change	130.00%
5 Year Change	147.25%
Change since IPO	452.98%

Recent updates

Shareholder Returns

	UVIC	PK Insurance	PK Market
7D	13.0%	6.4%	2.1%
1Y	79.8%	29.4%	43.4%

Return vs Industry: UVIC exceeded the PK Insurance industry which returned 29.4% over the past year.

Return vs Market: UVIC exceeded the PK Market which returned 43.4% over the past year.

Price Volatility

Is UVIC's price volatile compared to industry and market?
UVIC volatility
UVIC Average Weekly Movement	14.9%
Insurance Industry Average Movement	5.5%
Market Average Movement	5.8%
10% most volatile stocks in PK Market	9.6%
10% least volatile stocks in PK Market	3.8%

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

Volatility Over Time: UVIC's weekly volatility (15%) has been stable over the past year, but is still higher than 75% of PK stocks.

About the Company

Founded	Employees	CEO	Website
1958	33	Shahin Kuli Khattak	www.uic.com.pk

The Universal Insurance Company Limited provides a range of non-life insurance products and services in Pakistan. It operates through four segments: Fire and Property Damage Insurance, Marine and Transport Insurance, Motor Insurance, and Others Insurance. The Fire and Property Damage Insurance segment offers coverage against damages caused by fire, riot and strikes, explosions, earthquakes, atmospheric damage, flood, electric fluctuations, and other related perils.

The Universal Insurance Company Limited Fundamentals Summary

How do Universal Insurance's earnings and revenue compare to its market cap?
UVIC fundamental statistics
Market cap	PK₨494.50m
Earnings (TTM)	-PK₨167.25m
Revenue (TTM)	PK₨47.60m

10.4x

P/S Ratio

-3.0x

P/E Ratio

Is UVIC overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
UVIC income statement (TTM)
Revenue	PK₨47.60m
Cost of Revenue	PK₨6.43m
Gross Profit	PK₨41.17m
Other Expenses	PK₨208.42m
Earnings	-PK₨167.25m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	-3.35
Gross Margin	86.49%
Net Profit Margin	-351.38%
Debt/Equity Ratio	0%

How did UVIC perform over the long term?

See historical performance and comparison

UVIC Stock Overview

Risk Analysis

The Universal Insurance Company Limited Competitors

KASE:PKGI

PK₨517.5m

KASE:PINL

PK₨281.1m

KASE:CSIL

PK₨324.2m

KASE:HICL

PK₨864.6m

Price History & Performance

Recent News & Updates

Third quarter 2024 earnings released: EPS: PK₨0.19 (vs PK₨0.11 in 3Q 2023)

Second quarter 2024 earnings released: PK₨0.35 loss per share (vs PK₨0.26 loss in 2Q 2023)

First quarter 2024 earnings released: PK₨0.22 loss per share (vs PK₨0.02 profit in 1Q 2023)

Full year 2023 earnings released: PK₨3.10 loss per share (vs PK₨2.22 loss in FY 2022)

the Universal Insurance Company Limited Announces Resignation of Abdul Waheed Chaudhry as Chief Financial Officer

Third quarter 2023 earnings released: EPS: PK₨0.11 (vs PK₨0.66 loss in 3Q 2022)

Recent updates

Third quarter 2024 earnings released: EPS: PK₨0.19 (vs PK₨0.11 in 3Q 2023)

Second quarter 2024 earnings released: PK₨0.35 loss per share (vs PK₨0.26 loss in 2Q 2023)

First quarter 2024 earnings released: PK₨0.22 loss per share (vs PK₨0.02 profit in 1Q 2023)

Full year 2023 earnings released: PK₨3.10 loss per share (vs PK₨2.22 loss in FY 2022)

the Universal Insurance Company Limited Announces Resignation of Abdul Waheed Chaudhry as Chief Financial Officer

Third quarter 2023 earnings released: EPS: PK₨0.11 (vs PK₨0.66 loss in 3Q 2022)

Second quarter 2023 earnings released: PK₨0.26 loss per share (vs PK₨0.27 loss in 2Q 2022)

The Universal Insurance Company Announces Chief Financial Officer Changes

Less than half of directors are independent

Full year 2022 earnings released: PK₨2.22 loss per share (vs PK₨0.81 profit in FY 2021)

Less than half of directors are independent

Less than half of directors are independent

The Universal Insurance Company Limited Announces Board Changes

Less than half of directors are independent

Less than half of directors are independent

Third quarter 2022 earnings released: PK₨0.66 loss per share (vs PK₨0.12 loss in 3Q 2021)

Investor sentiment improved over the past week

Investor sentiment deteriorated over the past week

Investor sentiment deteriorated over the past week

The Universal Insurance Company Limited Announces Executive Changes

Less than half of directors are independent

The Universal Insurance Company Limited Announces Appointment of Ali Kuli Khan Khattakhas as Director

Investor sentiment improved over the past week

Investor sentiment deteriorated over the past week

Less than half of directors are independent

Less than half of directors are independent

Investor sentiment deteriorated 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

Third quarter 2021 earnings released: PK₨0.12 loss per share (vs PK₨0.83 loss in 3Q 2020)

Second quarter 2021 earnings released: PK₨0.23 loss per share (vs PK₨0.035 profit in 2Q 2020)

Full year 2020 earnings released: PK₨1.76 loss per share (vs PK₨0.047 profit in FY 2019)

New 90-day low: PK₨4.20

Universal Insurance Company Limited Announces Board Changes

New 90-day low: PK₨4.75

New 90-day low: PK₨5.05

Third quarter 2020 earnings released: PK₨0.83 loss per share

New 90-day high: PK₨6.85

First half earnings released

Shareholder Returns

Price Volatility

About the Company

The Universal Insurance Company Limited Fundamentals Summary

10.4x

-3.0x

Earnings & Revenue