CLOV Clover Pakistan Limited
Latest results: FY2025 · Jun 2025 Q4 FY2026 · Apr – Jun 2026
Last close · 16 Oct 2026
Rs 5.79 -0.17%
Financials
Clover Pakistan Limited (CLOV) financials
20 years of annual results (FY2006 – FY2025), 80 quarters.
Clover Pakistan Limited (CLOV) reported revenue of Rs 3.7 bn for FY2025 (Jul 2024 – Jun 2025), up 102.9% from FY2024.
Profit attributable to shareholders was Rs 253.4 mn (EPS Rs 0.57), up 31.8%, a net margin of 6.9%.
No cash dividend was declared for FY2025.
The balance sheet showed net cash of Rs 40.1 mn.
Return on equity was 62.5%.
Over the last five years revenue grew at a compound 56.3% a year.
At Rs 5.79 (close on 16 Oct 2026) the shares trade at 10.2× earnings (FY2025) and 4.87× book value.
Fundamentals
CLOV at a glance
Revenue · FY2025
Rs 3.7 bn
▲ 102.9% year on year
Profit attributable to shareholders · FY2025
Rs 253.4 mn
▲ 31.8% year on year
EPS – basic (Rs) · FY2025
Rs 0.57
▲ 31.8% year on year
Dividend per share (Rs) · FY2025
Rs 0.00
Net margin · FY2025
6.9%
-3.7 pts year on year
Financial statements
Income statement
Revenue, costs, profit and earnings per share.
- Revenue · FY2025
- Rs 3.7 bn
- Profit attributable · FY2025
- Rs 253.4 mn
Balance sheet
Assets, liabilities, debt and shareholders' equity.
- Total assets · FY2025
- Rs 653.6 mn
- Equity · FY2025
- Rs 531.9 mn
Financial highlights
CLOV financial results
| Rs mn | 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 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 3,677.9 | 1,812.3 | 59.4 | 93.3 | 374.4 | 394.4 | 1,244.0 | 157.2 | 0.6 | 11.0 |
| Gross profit | 415.0 | 248.3 | (8.2) | 8.7 | (24.1) | 85.0 | 454.7 | 31.6 | 0.1 | (0.7) |
| Operating profit | 282.9 | 200.0 | (74.3) | (105.9) | (182.2) | (35.2) | 316.3 | 34.4 | 3.1 | 22.8 |
| Profit after tax | 253.4 | 192.3 | (71.2) | (109.7) | (605.0) | (155.2) | 252.5 | 23.7 | 0.3 | 14.4 |
| Profit attributable to shareholders | 253.4 | 192.3 | (71.2) | (109.7) | (605.0) | (155.2) | 252.5 | 23.7 | 0.3 | 14.4 |
| EPS – basic (Rs) Rs | 0.57 | 0.43 | (0.16) | (0.25) | (1.35) | (0.35) | 0.56 | 0.14 | 0.00 | 0.08 |
| Dividend per share (Rs) Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.17 | 0.00 | 0.00 | 3.26 |
| Total assets | 653.6 | 328.4 | 122.4 | 196.4 | 305.8 | 967.3 | 1,136.1 | 308.1 | 179.1 | 189.5 |
| Total equity | 531.9 | 278.5 | 86.2 | 157.4 | 267.1 | 872.1 | 1,027.4 | 197.9 | 174.4 | 184.0 |
| Total debt | — | — | — | — | — | 0.0 | — | — | — | — |
| Net cash from operating activities | 68.0 | 0.0 | (7.6) | 1.1 | (4.8) | (36.2) | 11.5 | (53.0) | (1.8) | 12.7 |
| Capital expenditure | (29.3) | (0.3) | (1.8) | (5.3) | (5.2) | (7.7) | (9.9) | (0.5) | 0.0 | 0.0 |
| Free cash flow (operating cash flow − capex) | 38.7 | (0.3) | (9.5) | (4.2) | (10.0) | (43.9) | 1.6 | (53.5) | (1.8) | 12.7 |
| 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 | Q3 FY2025 Jan – Mar 2025 | Q2 FY2025 Oct – Dec 2024 | Q1 FY2025 Jul – Sep 2024 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 7,762.0 | 3,449.4 | 1,632.7 | 1,288.6 | 1,391.3 | 1,045.3 | 559.9 | 1,247.3 | 825.4 |
| Gross profit | 507.9 | 201.9 | 137.7 | 115.8 | 52.5 | 41.2 | 52.7 | 218.9 | 102.2 |
| Operating profit | 409.7 | 179.0 | 106.7 | 90.4 | 33.5 | 28.0 | 42.9 | 113.3 | 98.0 |
| Profit after tax | 316.8 | 120.3 | 93.8 | 73.6 | 29.2 | 41.1 | 40.5 | 76.3 | 87.7 |
| Profit attributable to shareholders | — | — | 93.8 | 73.6 | 29.2 | 41.1 | 40.5 | 76.3 | 87.7 |
| EPS – basic (Rs) Rs | — | — | 0.21 | 0.16 | 0.07 | 0.09 | 0.09 | 0.17 | 0.20 |
| Dividend per share (Rs) Rs | — | — | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total assets | 1,938.5 | 1,938.5 | 1,077.6 | 1,044.5 | 741.4 | 653.6 | 617.0 | 545.5 | 416.1 |
| Total equity | 847.7 | 847.7 | 728.4 | 634.6 | 561.1 | 531.9 | 490.8 | 450.3 | 366.2 |
| Net cash from operating activities | 751.6 | 477.3 | 1.9 | 240.6 | 31.8 | 2.4 | 59.9 | (48.4) | 54.1 |
| Capital expenditure | — | — | 0.0 | (278.9) | 0.0 | (29.3) | 0.0 | 0.0 | 0.0 |
| Free cash flow (operating cash flow − capex) | — | — | 1.9 | (38.3) | 31.8 | (26.8) | 59.9 | (48.4) | 54.1 |
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. * Some FY2025 figures do not fully reconcile in the source data. Updated 16 Oct 2026.