First Credit and Investment Bank Limited FCIBL
Rs 53.74
Vol9,043Updated09:1515 Oct 2026
At a Glance
The headline take on FCIBL — valuation, income, returns, and efficiency
Consolidated snapshot
Price & Performance
Closing prices across timeframes, returns, and range context
FCIBL — Price History
Daily closing series · toggle period below
Key Metrics
Valuation, profitability, structure, and risk in one grid
Dividend History & Yield
Payout track record, yield trend, and upcoming distribution
No dividend payouts on record for FCIBL
PSX has no payout announcements for this company in the recent record. Some companies reinvest earnings rather than distribute them — check the Financials section for retained earnings.
Financials & Earnings
Income, balance sheet, and key ratios from published accounts
FCIBL's market capitalisation stands at Rs 3.49B as of 14 Oct 2026 — up 311.5% over the past 12 months (from Rs 848.90M).
Financial Statements
How FCIBL's income and balance sheet have evolved
| PKR Millions | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | Trend |
|---|---|---|---|---|---|---|---|
| Net Sales / Revenue | 602.16 | 448.89 | 279.32 | 134.08 | 145.04 | 154.76 | |
| Administrative Expenses | 98.61 | 96.88 | 86.44 | 68.25 | 62.9 | 61.66 | |
| Operating Profit | 41.75 | 22.17 | 1.67 | -1.77 | 17.01 | 35.33 | |
| Other Income | 0.39 | 0.23 | 0.08 | 0.13 | 0.66 | 0.66 | |
| Financial Charges | 461.8 | 329.85 | 191.22 | 67.61 | 65.13 | 57.77 | |
| Profit Before Tax | 62.33 | 41.97 | 29.83 | 13.31 | 28.85 | 37.81 | |
| Taxation | 6.06 | 10.28 | 16.83 | 5.12 | 8.31 | 9.11 | |
| Profit After Tax | 56.27 | 31.7 | 12.99 | 8.19 | 20.53 | 28.7 | |
| EPS - Basic (Rs) | Rs 0.87 | Rs 0.49 | Rs 0.20 | Rs 0.13 | Rs 0.32 | Rs 0.44 |
All figures in PKR millions from published accounts.
Profitability & Returns
Margins, returns on capital, and earnings per share
Latest · FY25
| Ratio | Value |
|---|---|
| Net profit margin | 9.3% |
| EBIT margin | 6.9% |
Net profit margin
Net profit ÷ revenue · %
Financial Health
Coverage, leverage, and the strength of the balance sheet
Latest · FY25
| Ratio | Value |
|---|---|
| Current ratio | 0.23 |
| Quick ratio | 0.16 |
| Cash ratio | 0.16 |
| Asset turnover | 0.15x |
| Effective tax rate | 9.7% |
Current ratio
Current assets ÷ current liabilities
Market cap trajectory
Close × current shares outstanding · current Rs 3.49B
Valuation & Capital Returns
What the market is paying for FCIBL, and what it returns to shareholders
Latest · FY25
| Ratio | Value |
|---|---|
| Price to earnings | 39.82x |
| Price to book | 2.57x |
| Price to sales | 3.74x |
Price to earnings
Period-end price ÷ EPS · times
Technical Analysis
Trading signal, moving averages, momentum, and key levels
10-day SMA (Rs 39.94) is above the 30-day SMA (Rs 35.19). RSI at 75 is in overbought territory.
Moving AverageThe average close over a set window (10/30/200 days) — smooths daily noise to reveal the trend.Read the full guide →
| Period | Value | vs Current | Position |
|---|---|---|---|
| SMA 10 | Rs 39.94 | -25.68% | Above |
| SMA 30 | Rs 35.19 | -34.52% | Above |
| SMA 60 | Rs 33.72 | -37.25% | Above |
| SMA 200 | Rs 34.47 | -35.86% | Above |
At 75, momentum is elevated — above 70 may signal a near-term pullback.
- MACD3.63
- Signal1.84
- Histogram+1.79
Leverage Insights
MTS, margin financing, futures open interest, and combined exposure
Leverage Composition
MTS · MFS stacked over the selected window
No blank sales
No net blank (short) sales reported for FCIBL on the latest PSX DFC report.
Settlement Insights
UIN-wise settlement concentration and price context
Metrics and charts over the selected trailing window
Settlement % Trajectory
Solid = UIN settlement % · Dashed = 14-session EMA
As of 14 Oct 2026
Price vs Settlement
Close price (left axis) · UIN settlement % (right axis)
About the Company
Business description, governance, and corporate information
First Credit and Investment Bank Limited was incorporated in Pakistan on August 31, 1989 as a private company with its liability limited by shares and was subsequently converted in to a public company. The Investment Bank is licensed to undertake business of investment finance services as a Non‐Banking Finance Company under the Non‐Banking Finance Companies (Establishment and Regulation) Rules, 2003 ("the NBFC Rules") issued by the Securities and Exchange Commission of Pakistan (SECP).
Corporate Information
- RegistrarTHK Associates (Private) Limited, Plot # 32-C, Jami Commercial Street # 2, DHA Phase-VII, Karachi
- AuditorM/s Muniff Ziauddin & Co., Chartered Accountants.
- Websitewww.fcibank.com.pk
- Address2nd Floor Sidco Avenue Centre, Stratchen Road, Karachi, Pakistan.
- SectorInv. Banks / Inv. Cos. / Securities Cos.
- Financial Year EndJune
Key People
| Name | Role |
|---|---|
MMMuhammad Mohsin Ali | CEO |
FAFaisal Ahmed | Chairperson |
MAMuhammad Amin Khatri | Company Secretary |
Reports & Filings
- Quarterly Report — 31 Mar 2026PDF
- Quarterly Report — 31 Dec 2025PDF
- Quarterly Report — 30 Sep 2025PDF
- Quarterly Report — 31 Mar 2025PDF
- Annual Report FY2025PDF
- Quarterly Report — 31 Dec 2024PDF
- Quarterly Report — 30 Sep 2024PDF
- Quarterly Report — 31 Mar 2024PDF
Sourced from official PSX financial-report submissions.
Recent Announcements
Latest company filings as reported on PSX
Filings and disclosures from the PSX announcement feed
- 12 Oct 2026Other
- 02 Oct 2026Financial Results
- 02 Oct 2026General Meeting
- 18 Sep 2026Financial Results
- 10 Sep 2026Board Meeting
- 29 Jul 2026Material Information
- 22 Jun 2026OthersDisclosure of Interest by a Director CEO, or Executive of a listed company and their Spouses and the Substantial Shareholders u/c 5.6.1.(d) of PSX Regulations
- 11 Jun 2026Board Meetings
Peers in Inv. Banks / Inv. Cos. / Securities Cos.
How the cohort is moving — same-sector stocks by market cap
FCIBL vs Inv. Banks / Inv. Cos. / Securities Cos. sector median
| Metric | FCIBL | Sector median |
|---|---|---|
| P/E RatioShare price ÷ earnings per share — the price you pay for each rupee of annual profit. Compare within a sector.Read the full guide → | 61.8x | 9.0x |
| Dividend YieldTrailing-12-month cash dividends ÷ share price. A high yield can signal income — or a falling price.Read the full guide → | — | 4.7% |
| Return on EquityNet profit ÷ shareholders' equity — how hard the company works each rupee investors have put in.Read the full guide → | 6.4% | 9.1% |
| 1-Year Return | +311.5% | +7.1% |
| Market CapitalisationShare price × total shares — the company's full market value, and the basis for index weightings.Read the full guide → | Rs 3.49B | Rs 2.25B |
Inv. Banks / Inv. Cos. / Securities Cos. · sector heat
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Frequently Asked Questions
The most common questions investors ask about FCIBL
FCIBL is trading at Rs 53.74, within a 52-week range of Rs 12.25–61.33, from the 15-minute snapshot taken at 09:15 PKT. Prices on this page refresh every 15 minutes during market hours; log in to BSL for live quotes.
First Credit and Investment Bank Limited was incorporated in Pakistan on August 31, 1989 as a private company with its liability limited by shares and was subsequently converted in to a public company. See About the Company on this page for the full profile, management, and corporate information.
FCIBL has not declared a cash dividend in the recent PSX record — some companies reinvest earnings instead; see the Financials section. For income ideas, browse the highest dividend yield stocks on PSX.
No — FCIBL is not currently a KSE-100 constituent. See the full KSE-100 index constituents and weights. FCIBL is not currently on the PSX Shariah-compliant list.
FCIBL trades at 61.8x earnings against a Inv. Banks / Inv. Cos. / Securities Cos. median of 9.0x. The full comparison table and peer list are in the Peers section, or explore the Inv. Banks / Inv. Cos. / Securities Cos. sector page.
Annual reports for FY2025 are linked under Reports & Filings in the About section of this page, sourced from official PSX submissions.
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