Last close · 14 Oct 2026
Rs 43.33 0.00%
Financials
The Pakistan Credit Rating Agency Ltd (GEMPACRA) financials
3 years of annual results (FY2024 – FY2026), 7 quarters.
The Pakistan Credit Rating Agency Ltd (GEMPACRA) reported revenue of Rs 538.1 mn for FY2026 (Jul 2025 – Jun 2026), up 10.4% from FY2025.
Profit attributable to shareholders was Rs 133.1 mn (EPS Rs 1.79), up 18.0%, a net margin of 24.7%.
No cash dividend was declared for FY2026.
The balance sheet showed net cash of Rs 198.4 mn.
Return on equity was 58.6%.
At Rs 43.33 (close on 14 Oct 2026) the shares trade at 24.3× earnings (FY2026) and 10.99× book value.
Fundamentals
GEMPACRA at a glance
Revenue · FY2026
Rs 538.1 mn
▲ 10.4% year on year
Profit attributable to shareholders · FY2026
Rs 133.1 mn
▲ 18.0% year on year
EPS – basic (Rs) · FY2026
Rs 1.79
▲ 18.0% year on year
Dividend per share (Rs) · FY2026
Rs 0.00
Net margin · FY2026
24.7%
+1.6 pts year on year
Debt to equity · FY2026
6.5%
-9.8 pts year on year
Financial statements
Income statement
Revenue, costs, profit and earnings per share.
- Revenue · FY2026
- Rs 538.1 mn
- Profit attributable · FY2026
- Rs 133.1 mn
Balance sheet
Assets, liabilities, debt and shareholders' equity.
- Total assets · FY2026
- Rs 449.9 mn
- Equity · FY2026
- Rs 293.8 mn
Financial highlights
GEMPACRA financial results
| Rs mn | FY2026 Jul 2025 – Jun 2026 | FY2025 Jul 2024 – Jun 2025 | FY2024 Jul 2023 – Jun 2024 |
|---|---|---|---|
| Revenue | 538.1 | 487.4 | 440.9 |
| Gross profit | 538.1 | 487.4 | 440.9 |
| Operating profit | 204.0 | 164.5 | 149.8 |
| Profit after tax | 133.1 | 112.8 | 103.8 |
| Profit attributable to shareholders | 133.1 | 112.8 | 103.8 |
| EPS – basic (Rs) Rs | 1.79 | 1.51 | 1.39 |
| Dividend per share (Rs) Rs | 0.00 | 0.00 | 0.00 |
| Total assets | 449.9 | 360.4 | 296.0 |
| Total equity | 293.8 | 160.6 | 145.5 |
| Total debt | 19.1 | 26.2 | 8.2 |
| Net cash from operating activities | 103.7 | 142.2 | 98.0 |
| Capital expenditure | (5.3) | (1.6) | (3.9) |
| Free cash flow (operating cash flow − capex) | 98.4 | 140.6 | 94.1 |
| Rs mn | TTM to Jun 2026 | Q4 FY2026 Apr – Jun 2026 | Q3 FY2026 Jan – Mar 2026 | Q2 FY2026 Oct – Dec 2025 | Q1 FY2026 Jul – Sep 2025 | Q4 FY2025 * Apr – Jun 2025 | Q2 FY2025 Oct – Dec 2024 | Q1 FY2025 Jul – Sep 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 538.1 | 149.7 | 123.2 | 149.0 | 116.1 | — | 115.0 | 122.6 |
| Gross profit | 538.1 | 149.7 | 123.2 | 149.0 | 116.1 | — | 115.0 | 122.6 |
| Operating profit | 203.9 | 69.1 | 39.9 | 59.3 | 35.6 | — | 35.3 | 44.6 |
| Profit after tax | 133.1 | 39.9 | 22.1 | 43.9 | 27.2 | — | 27.3 | 29.4 |
| Profit attributable to shareholders | 133.1 | 39.9 | 22.1 | 43.9 | 27.2 | — | 27.3 | 29.4 |
| EPS – basic (Rs) Rs | 1.79 | 0.54 | 0.30 | 0.59 | 0.37 | — | 0.37 | 0.39 |
| Dividend per share (Rs) Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | — | 0.00 | 0.00 |
| Total assets | 449.9 | 449.9 | 451.0 | 436.2 | 395.1 | — | — | — |
| Total equity | 293.8 | 293.8 | 253.8 | 231.8 | 187.8 | — | — | — |
| Total debt | 19.1 | 19.1 | 20.1 | 22.8 | 24.5 | — | — | — |
| Net cash from operating activities | 103.7 | 62.2 | 22.0 | 32.1 | (12.7) | — | 50.7 | (10.3) |
| Capital expenditure | (5.5) | (0.4) | (4.1) | (1.0) | 0.0 | — | (0.8) | (0.4) |
| Free cash flow (operating cash flow − capex) | 98.2 | 61.8 | 18.0 | 31.1 | (12.7) | — | 49.8 | (10.7) |
Figures in Pakistani rupees as reported by the company; costs and cash outflows in brackets. Free cash flow and book value per share are calculated by Smart Money; TTM = the latest four quarters. Updated 16 Oct 2026.