Inv. Banks / Inv. Cos. / Securities Cos.
FCIBL First Credit and Investment Bank Limited
Latest results: FY2026 · Jun 2026
Last close · 16 Oct 2026
Rs 65.02 +10.00%
Financials
First Credit and Investment Bank Limited (FCIBL) financials
20 years of annual results (FY2007 – FY2026), 72 quarters.
First Credit and Investment Bank Limited (FCIBL) reported revenue of Rs 257.0 mn for FY2026 (Jul 2025 – Jun 2026), down 57.3% from FY2025.
Profit attributable to shareholders was Rs 66.0 mn (EPS Rs 1.02), up 17.3%.
No cash dividend was declared for FY2026.
Return on equity was 7.5%.
Over the last five years revenue grew at a compound 12.2% a year.
At Rs 65.02 (close on 16 Oct 2026) the shares trade at 64.0× earnings (FY2026) and 4.74× book value.
Fundamentals
FCIBL at a glance
Revenue · FY2026
Rs 257.0 mn
▼ 57.3% year on year
Profit attributable to shareholders · FY2026
Rs 66.0 mn
▲ 17.3% year on year
EPS – basic (Rs) · FY2026
Rs 1.02
▲ 17.3% year on year
Dividend per share (Rs) · FY2026
Rs 0.00
Total assets · FY2026
Rs 4.4 bn
▲ 6.2% year on year
Return on equity (ROE) · FY2026
7.5%
+0.7 pts year on year
Financial statements
Income statement
Revenue, costs, profit and earnings per share.
- Revenue · FY2026
- Rs 257.0 mn
- Profit attributable · FY2026
- Rs 66.0 mn
Balance sheet
Assets, liabilities, debt and shareholders' equity.
- Total assets · FY2026
- Rs 4.4 bn
- Equity · FY2026
- Rs 892.6 mn
Financial highlights
FCIBL financial results
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 257.0 | 601.8 | 448.7 | 279.2 | 133.9 | 144.8 | 154.6 | 116.8 | 102.6 | 79.9 |
| Profit before tax | 77.6 | 62.3 | 41.7 | 29.8 | 13.3 | 28.8 | 37.8 | 15.2 | 15.8 | 11.7 |
| Profit attributable to shareholders | 66.0 | 56.3 | 31.7 | 13.0 | 8.2 | 20.5 | 28.7 | 9.5 | 9.2 | 7.1 |
| EPS – basic (Rs) Rs | 1.02 | 0.87 | 0.49 | 0.20 | 0.13 | 0.32 | 0.44 | 0.15 | 0.14 | 0.11 |
| Dividend per share (Rs) Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.30 | 0.00 | 0.00 |
| Total assets | 4,367.3 | 4,113.8 | 3,955.9 | 1,851.3 | 2,052.3 | 2,272.0 | 1,667.2 | 1,385.3 | 1,327.4 | 1,155.3 |
| Borrowings | 3,418.9 | 3,195.1 | 3,120.1 | 1,092.1 | 1,285.1 | 491.8 | 838.5 | 616.6 | 589.6 | 415.6 |
| Total equity | 892.6 | 875.5 | 786.9 | 723.9 | 721.8 | 750.0 | 738.8 | 718.6 | 722.3 | 715.9 |
| 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 | 257.2 | 86.5 | 43.6 | 35.7 | 91.3 | 113.5 | 140.3 | 155.2 | 193.2 |
| Profit before tax | 77.6 | 8.5 | 23.9 | 18.3 | 26.9 | 10.5 | 24.7 | 12.2 | 14.9 |
| Profit attributable to shareholders | 66.0 | 10.3 | 20.5 | 15.0 | 20.3 | 8.2 | 22.9 | 13.9 | 11.3 |
| EPS – basic (Rs) Rs | 1.01 | 0.16 | 0.31 | 0.23 | 0.31 | 0.13 | 0.35 | 0.21 | 0.17 |
| Dividend per share (Rs) Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total assets | 4,367.3 | 4,367.3 | 4,511.7 | 4,426.1 | 4,358.9 | 4,113.8 | 3,705.3 | 3,712.5 | 3,877.0 |
| Borrowings | 3,418.9 | 3,418.9 | 3,583.2 | 3,481.9 | 3,429.1 | 3,195.1 | 2,826.8 | 2,853.9 | 2,955.9 |
| Total equity | 892.6 | 892.6 | 877.7 | 905.6 | 888.9 | 875.5 | 826.5 | 808.0 | 827.1 |
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. Updated 16 Oct 2026.