First Credit and Investment Bank Limited (FCIBL) financial ratios

First Credit and Investment Bank Limited earned a net margin of 25.7% in FY2026 against a five-year average of 10.6% (Inv. Banks / Inv. Cos. / Securities Cos. median 33.8%). Return on equity was 7.5%, compared with a sector median of 18.1%. The current ratio stood at 0.69× and debt was 383.0% of equity. Cash took about 340 days to cycle through receivables, inventory and payables.

FY2026 vs the Inv. Banks / Inv. Cos. / Securities Cos. median

Net margin: 25.7%; Sector median 33.8%
Return on equity (ROE): 7.5%; Sector median 18.1%
Return on assets (ROA): 1.6%; Sector median 6.7%
Debt to equity: 383.0%; Sector median 30.4%
Dividend payout ratio: 0.0%; Sector median 0.0%

Median of the 35 companies in the sector with the figure for their latest fiscal year.

FCIBL financial ratios (annual) (Rs mn)
Rs mn	FY2026 Jul 2025 – Jun 2026	FY2025 Jul 2024 – Jun 2025	FY2024 Jul 2023 – Jun 2024	FY2023 Jul 2022 – Jun 2023	FY2022 Jul 2021 – Jun 2022	FY2021 Jul 2020 – Jun 2021	FY2020 * Jul 2019 – Jun 2020	FY2019 Jul 2018 – Jun 2019	FY2018 Jul 2017 – Jun 2018	FY2017 Jul 2016 – Jun 2017	FY2016 Jul 2015 – Jun 2016	FY2015 Jul 2014 – Jun 2015	FY2014 Jul 2013 – Jun 2014	FY2013 Jul 2012 – Jun 2013	FY2012 * Jul 2011 – Jun 2012	FY2011 * Jul 2010 – Jun 2011	FY2010 * Jul 2009 – Jun 2010	FY2009 * Jul 2008 – Jun 2009	FY2008 Jul 2007 – Jun 2008	FY2007 Jul 2006 – Jun 2007
Profitability
Pre-tax margin	30.2%	10.4%	9.3%	10.7%	9.9%	19.9%	24.4%	13.0%	15.4%	14.7%	65.8%	35.3%	6.7%	(15.5%)	(61.1%)	(129.1%)	3.1%	11.6%	14.7%	15.1%
Net margin	25.7%	9.4%	7.1%	4.7%	6.1%	14.2%	18.6%	8.1%	9.0%	8.9%	44.3%	28.3%	2.3%	(6.8%)	(51.1%)	(94.3%)	4.8%	9.3%	9.4%	15.1%
Effective tax rate	14.9%	9.7%	24.0%	56.4%	38.5%	28.8%	24.1%	37.4%	41.8%	39.1%	32.7%	19.7%	65.3%	—	—	—	(57.0%)	20.4%	35.6%	(0.0%)
Returns
Return on equity (ROE)	7.5%	6.8%	4.2%	1.8%	1.1%	2.8%	3.9%	1.3%	1.3%	1.0%	6.4%	3.5%	0.2%	(1.0%)	(10.5%)	(11.9%)	0.6%	3.0%	2.9%	10.8%
Return on assets (ROA)	1.6%	1.4%	1.1%	0.7%	0.4%	1.0%	1.9%	0.7%	0.7%	0.7%	5.1%	3.2%	0.2%	(0.6%)	(5.2%)	(6.2%)	0.3%	1.1%	0.9%	2.9%
Leverage
Debt to equity	383.0%	365.0%	396.5%	150.9%	178.0%	65.6%	113.5%	85.8%	81.6%	58.1%	41.1%	3.1%	12.7%	26.5%	86.7%	106.9%	79.8%	125.6%	209.1%	262.8%
Debt to capital	79.3%	78.5%	79.9%	60.1%	64.0%	39.6%	53.2%	46.2%	44.9%	36.7%	29.1%	3.0%	11.3%	21.0%	46.4%	51.7%	44.4%	55.7%	67.6%	72.4%
Debt to assets	78.3%	77.7%	78.9%	59.0%	62.6%	21.6%	50.3%	44.5%	44.4%	36.0%	28.6%	3.0%	11.0%	20.3%	45.2%	50.4%	43.7%	54.8%	66.5%	69.9%
Assets to equity	4.80×	4.85×	3.84×	2.70×	2.94×	2.65×	2.09×	1.88×	1.73×	1.52×	1.25×	1.10×	1.23×	1.61×	2.02×	1.92×	2.05×	2.63×	3.44×	3.68×
Dividends
Dividend payout ratio	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	67.9%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	—	—	—	0.0%	0.0%	0.0%	20.8%
Earnings retention rate	1.00×	1.00×	1.00×	1.00×	1.00×	1.00×	0.32×	1.00×	1.00×	1.00×	1.00×	1.00×	1.00×	—	—	—	1.00×	1.00×	1.00×	0.79×

Ratios as reported for each fiscal year; returns are on average equity / assets. Debt ratios are percentages; turnover in times; working-capital measures in days.

FCIBL: frequently asked questions

What is FCIBL's EPS?

First Credit and Investment Bank Limited reported basic earnings per share of Rs 1.02 for FY2026 (Jul 2025 – Jun 2026).

What is FCIBL's P/E ratio?

At the closing price of Rs 65.02 on 16 Oct 2026, FCIBL trades at a P/E of 64.0× based on EPS of Rs 1.02 (FY2026).

Does FCIBL pay dividends?

First Credit and Investment Bank Limited did not declare a cash dividend for FY2026.

What was FCIBL's revenue and profit in FY2026?

First Credit and Investment Bank Limited reported revenue of Rs 257.0 mn and profit attributable to shareholders of Rs 66.0 mn for FY2026 (Jul 2025 – Jun 2026).

What is FCIBL's book value per share?

First Credit and Investment Bank Limited's book value per share was Rs 13.73 at the end of FY2026. The shares trade at 4.74× book value.

Information only, not investment advice.