The Pakistan Credit Rating Agency Ltd GEMPACRA
Rs 36.00
Vol5,001Updated15:492 Nov 2026
At a Glance
The headline take on GEMPACRA — valuation, income, returns, and efficiency
Consolidated snapshot
Price & Performance
Closing prices across timeframes, returns, and range context
GEMPACRA — 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 GEMPACRA
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
GEMPACRA's market capitalisation stands at Rs 2.68B as of 30 Oct 2026 — up 117.4% over the past 12 months (from Rs 1.23B).
Financial Statements
How GEMPACRA's income and balance sheet have evolved
| PKR Millions | FY26 | FY25 | Trend |
|---|---|---|---|
| Net Sales / Revenue | 538.09 | 487.42 | |
| Administrative Expenses | 37.57 | 35.14 | |
| Operating Profit | 203.89 | 164.45 | |
| Other Income | 16.34 | 14.78 | |
| Financial Charges | 2.3 | 0.48 | |
| Profit Before Tax | 219.96 | 165.44 | |
| Taxation | 86.82 | 52.62 | |
| Profit After Tax | 133.14 | 112.81 | |
| EPS - Basic (Rs) | Rs 1.79 | Rs 1.51 |
All figures in PKR millions from published accounts · quarterly statements not yet available for this company.
Profitability & Returns
Margins, returns on capital, and earnings per share
Latest · FY26
| Ratio | Value |
|---|---|
| Net profit margin | 24.7% |
| EBIT margin | 37.9% |
Net profit margin
Net profit ÷ revenue · %
Financial Health
Coverage, leverage, and the strength of the balance sheet
Latest · FY26
| Ratio | Value |
|---|---|
| Current ratio | 2.38 |
| Quick ratio | 2.35 |
| Cash ratio | 1.49 |
| Asset turnover | 1.20x |
| Effective tax rate | 39.5% |
Current ratio
Current assets ÷ current liabilities
Market cap trajectory
Close × current shares outstanding · current Rs 2.68B
Valuation & Capital Returns
What the market is paying for GEMPACRA, and what it returns to shareholders
Latest · FY26
| Ratio | Value |
|---|---|
| Price to earnings | 20.11x |
| Price to book | 9.13x |
| Price to sales | 4.99x |
Price to earnings
Period-end price ÷ EPS · times
Technical Analysis
Trading signal, moving averages, momentum, and key levels
10-day SMA (Rs 40.47) is above the 30-day SMA (Rs 39.10). RSI at 42 sits in the neutral band.
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 40.47 | +12.41% | Below |
| SMA 30 | Rs 39.10 | +8.62% | Below |
| SMA 60 | Rs 38.42 | +6.73% | Below |
| SMA 200 | Rs 32.59 | -9.48% | Above |
At 42, momentum sits within the neutral band (30–70), suggesting balanced buying and selling pressure.
- MACD0.04
- Signal0.94
- Histogram-0.90
Leverage Insights
MTS, margin financing, futures open interest, and combined exposure
No leverage exposure reported
GEMPACRA is not currently financed through MTS or margin financing (MFS), and shows no futures open interest or blank sales on the latest NCCPL/PSX reports.
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 30 Oct 2026
Price vs Settlement
Close price (left axis) · UIN settlement % (right axis)
About the Company
Business description, governance, and corporate information
The Pakistan Credit Rating Agency Limited ("the Company") was incorporated as a private limited company in Pakistan on August 18, 1994 and converted into a public limited company on April 30, 2004. The business of the Company is to carry out risk evaluation of companies and specific instruments. The evaluation is expressed in terms of assigned credit rating to the entity or the instrument reflecting the capacity to honor its debt or other fixed term obligations.
Corporate Information
- RegistrarCDC Share Registrar Services Limited, CDC House, 99-B, Block-B, S.M.C.H.S, Main Shahrah e Faisal, Karachi
- AuditorBDO Ebrahim & Co. Chartered Accountants
- Websitewww.pacra.com
- AddressAwami Complex, FB-1, Usman Block, New Garden Town, Lahore
- SectorMiscellaneous
- Financial Year EndJune
Key People
| Name | Role |
|---|---|
UHUsman Haider | CEO |
ZAZafar Abbas | Chairperson |
ITIram Tahir | Company Secretary |
Reports & Filings
- Quarterly Report — 30 Sep 2026PDF
- Quarterly Report — 31 Mar 2026PDF
- Annual Report FY2026PDF
- Quarterly Report — 31 Dec 2025PDF
- Quarterly Report — 30 Sep 2025PDF
Sourced from official PSX financial-report submissions.
Recent Announcements
Latest company filings as reported on PSX
Filings and disclosures from the PSX announcement feed
- 02 Nov 2026Insider Trading
- 30 Oct 2026Report
- 30 Oct 2026Financial Results
- 29 Oct 2026Financial Results
- 28 Oct 2026Board Meeting
- 28 Oct 2026General Meeting
- 21 Oct 2026Board Meeting
- 07 Oct 2026Report
Peers in Miscellaneous
How the cohort is moving — same-sector stocks by market cap
GEMPACRA vs Miscellaneous sector median
| Metric | GEMPACRA | 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 → | 20.1x | 18.2x |
| Dividend YieldTrailing-12-month cash dividends ÷ share price. A high yield can signal income — or a falling price.Read the full guide → | — | 0.8% |
| Return on EquityNet profit ÷ shareholders' equity — how hard the company works each rupee investors have put in.Read the full guide → | 45.3% | 9.0% |
| 1-Year Return | — | -13.1% |
| Market CapitalisationShare price × total shares — the company's full market value, and the basis for index weightings.Read the full guide → | Rs 2.68B | Rs 1.90B |
Miscellaneous · sector heat
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Frequently Asked Questions
The most common questions investors ask about GEMPACRA
GEMPACRA last traded at Rs 36.00, within a 52-week range of Rs 16.39–50.95. Prices on this page refresh every 15 minutes during market hours; log in to BSL for live quotes.
The Pakistan Credit Rating Agency Limited ("the Company") was incorporated as a private limited company in Pakistan on August 18, 1994 and converted into a public limited company on April 30, 2004. See About the Company on this page for the full profile, management, and corporate information.
GEMPACRA 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.
Yes — The Pakistan Credit Rating Agency Ltd is on the PSX's Shariah-compliant (KMI All Shares) list. Browse all Shariah-compliant PSX stocks.
GEMPACRA trades at 20.1x earnings against a Miscellaneous median of 18.2x. The full comparison table and peer list are in the Peers section, or explore the Miscellaneous sector page.
Annual reports for FY2026 are linked under Reports & Filings in the About section of this page, sourced from official PSX submissions.
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