First Credit and Investment Bank Limited
The brief
2026-06-30Revenue declined by 10% over the last 12 months. Profit grew 3% over the same period. Operating margin fell from 77% to 69%. Debt eased: debt-to-equity fell from 3.86 to 3.83. It has less cover for its short-term bills: the current ratio fell from 1.13 to 0.69.
Profit over the last 12 months grew 3.0%.
Operating margin over the last 12 months is 69.0%.
Revenue over the last 12 months fell 10.0%.
Debt-to-equity is 3.83.
Price history
See how FCIBL stands, and what it may be worth
How good the business is, where its support zone sits, the price that would start a downtrend, and AlphaGen's four fair-value cases open with a free account.
Latest results
Quarter: Apr–Jun 2026In the Apr–Jun 2026 quarter, FCIBL's sales fell 24% to Rs 86.4mn, from Rs 113.4mn, and profit after tax rose 26% to Rs 10.3mn, from Rs 8.2mn (compared with Apr–Jun 2025).
Earnings per share were Rs 0.16, against Rs 0.13 a year earlier.
At Rs 88.08, FCIBL trades at 29.7 times earnings.
- P/E ratio
- 29.7
- Dividend payout
- 0%
- of earnings
- Return on equity
- 7%
- Net margin
- 26.0%
- last 12 months
- Debt to equity
- 3.83
FCIBL quarterly results
Reported figures| Quarter | Sales | Profit after tax | Net margin | EPS | Dividend / share |
|---|---|---|---|---|---|
| Apr–Jun 2026 | Rs 86.4mn | Rs 10.3mn | 11.9% | Rs 0.16 | — |
| Jan–Mar 2026 | Rs 43.5mn | Rs 20.5mn | 47.0% | Rs 0.31 | — |
| Oct–Dec 2025 | Rs 35.7mn | Rs 15.0mn | 42.0% | Rs 0.23 | — |
| Jul–Sep 2025 | Rs 91.3mn | Rs 20.3mn | 22.2% | Rs 0.31 | — |
| Apr–Jun 2025 | Rs 113.4mn | Rs 8.2mn | 7.2% | Rs 0.13 | — |
| Jan–Mar 2025 | Rs 139.9mn | Rs 22.9mn | 16.4% | Rs 0.35 | — |
| Oct–Dec 2024 | Rs 155.2mn | Rs 13.9mn | 9.0% | Rs 0.21 | — |
| Jul–Sep 2024 | Rs 193.2mn | Rs 11.3mn | 5.8% | Rs 0.17 | — |
FCIBL annual results and dividends
Reported figures| Year | Sales | Profit after tax | EPS | Dividend / share |
|---|---|---|---|---|
| Year to Jun 2026 | Rs 257.0mn | Rs 66.0mn | Rs 1.02 | — |
| Year to Jun 2025 | Rs 601.8mn | Rs 56.3mn | Rs 0.86 | — |
| Year to Jun 2024 | Rs 448.7mn | Rs 31.7mn | Rs 0.49 | — |
| Year to Jun 2023 | Rs 279.3mn | Rs 12.9mn | Rs 0.20 | — |
| Year to Jun 2022 | Rs 133.9mn | Rs 8.2mn | Rs 0.13 | — |
Balance sheet and price
Balance sheet as of Jun 2026- Total assets
- Rs 4.4bn
- Shareholders' equity
- Rs 892.6mn
- Cash & bank
- Rs 89.3mn
- Total debt
- Rs 3.4bn
- Current ratio
- 0.69
- 3-month high
- Rs 88.08
- 3-month low
- Rs 29.16
- 1-month change
- +144.2%
- 3-month change
- +167.6%
Read more about FCIBL
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FCIBL: common questions
What is FCIBL's share price?
First Credit and Investment Bank Limited (FCIBL) last closed at Rs 88.08 on the Pakistan Stock Exchange.
Does FCIBL pay a dividend?
First Credit and Investment Bank Limited reported no dividend for the year to Jun 2026.
What were FCIBL's latest results?
In the Apr–Jun 2026 quarter, FCIBL's sales fell 24% to Rs 86.4mn, from Rs 113.4mn, and profit after tax rose 26% to Rs 10.3mn, from Rs 8.2mn (compared with Apr–Jun 2025).
What is FCIBL's P/E ratio?
At Rs 88.08, FCIBL trades at 29.7 times its earnings.
Figures are taken from the company's published financial statements and PSX prices. This page is information, not investment advice.