Last close · 14 Oct 2026
Rs 43.33 0.00%
Annual · FY2024 – FY2026
The Pakistan Credit Rating Agency Ltd (GEMPACRA) financial ratios
The Pakistan Credit Rating Agency Ltd earned a net margin of 24.7% in FY2026 against a five-year average of 23.8% (Miscellaneous median 7.2%). Return on equity was 58.6%, compared with a sector median of 12.0%. The current ratio stood at 2.38× and debt was 6.5% of equity. Cash took about 85 days to cycle through receivables, inventory and payables.
FY2026 vs the Miscellaneous median
- Gross margin
- 100.0%
- Sector median 32.7%
- Operating margin
- 37.9%
- Sector median 11.8%
- Net margin
- 24.7%
- Sector median 7.2%
- Return on equity (ROE)
- 58.6%
- Sector median 12.0%
- Return on assets (ROA)
- 32.9%
- Sector median 5.4%
- Current ratio
- 2.38×
- Sector median 1.13×
- Debt to equity
- 6.5%
- Sector median 32.5%
- Asset turnover
- 1.33×
- Sector median 0.55×
- Dividend payout ratio
- 0.0%
- Sector median 0.0%
Median of the 21 companies in the sector with the figure for their latest fiscal year.
| Rs mn | FY2026 Jul 2025 – Jun 2026 | FY2025 Jul 2024 – Jun 2025 | FY2024 Jul 2023 – Jun 2024 |
|---|---|---|---|
| Profitability | |||
| Gross margin | 100.0% | 100.0% | 100.0% |
| EBITDA margin | 41.1% | 37.1% | 37.1% |
| Operating margin | 37.9% | 33.7% | 34.0% |
| Pre-tax margin | 36.0% | 33.9% | 34.8% |
| Net margin | 24.7% | 23.1% | 23.5% |
| Effective tax rate | 31.3% | 31.7% | 32.4% |
| Returns | |||
| Return on equity (ROE) | 58.6% | 73.7% | — |
| Return on assets (ROA) | 32.9% | 34.4% | — |
| Return on invested capital (ROIC) | 53.9% | 66.4% | — |
| Liquidity | |||
| Current ratio | 2.38× | 1.42× | 1.33× |
| Leverage | |||
| Debt to equity | 6.5% | 16.3% | 5.6% |
| Debt to capital | 6.1% | 14.0% | 5.3% |
| Debt to assets | 4.2% | 7.3% | 2.8% |
| Assets to equity | 1.78× | 2.14× | — |
| Efficiency | |||
| Asset turnover | 1.33× | 1.49× | — |
| Receivable days days | 85 | 85 | — |
| Cash conversion cycle days | 85 | 85 | — |
| Dividends | |||
| Dividend payout ratio | 0.0% | 0.0% | 0.0% |
| Earnings retention rate | 1.00× | 1.00× | 1.00× |
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.
GEMPACRA: frequently asked questions
What is GEMPACRA's EPS?
The Pakistan Credit Rating Agency Ltd reported basic earnings per share of Rs 1.79 for FY2026 (Jul 2025 – Jun 2026).
What is GEMPACRA's P/E ratio?
At the closing price of Rs 43.33 on 14 Oct 2026, GEMPACRA trades at a P/E of 24.3× based on EPS of Rs 1.79 (FY2026).
Does GEMPACRA pay dividends?
The Pakistan Credit Rating Agency Ltd did not declare a cash dividend for FY2026.
What was GEMPACRA's revenue and profit in FY2026?
The Pakistan Credit Rating Agency Ltd reported revenue of Rs 538.1 mn and profit attributable to shareholders of Rs 133.1 mn for FY2026 (Jul 2025 – Jun 2026).
What is GEMPACRA's book value per share?
The Pakistan Credit Rating Agency Ltd's book value per share was Rs 3.94 at the end of FY2026. The shares trade at 10.99× book value.
Information only, not investment advice.