The Pakistan Credit Rating Agency Limited engages in assessing the credit risk of entities and financial instruments, and assigning ratings that reflect capacity to meet debt and fixed-term financial obligations in Pakistan. The company offers credit rating products, including corporate entity, debt instrument, structured finance, sukuk, Basel III compliant debt instrument, preference shares, microfinance institution, non-banking finance companies, independent power producers, and holding company ratings. It also provides specialize ratings com... [
GEMPACRA — The Pakistan Credit Rating Agency Limited
Sector: Miscellaneous · Pakistan Stock Exchange
⚠ Prices: 6 Nov 2026 — PSX end-of-day close (feed fetched 23:14 PKT) · Fundamentals: public data collected 6 Nov 2026 · Not live prices.Summary — GEMPACRA
| Measure | Value |
|---|---|
| Price (Rs, 6 Nov — PSX delayed feed) | 34.18 |
| Change, 6 Nov session (delayed) | +9.71% |
| Volume (shares, 6 Nov session) | 5 |
| Market capitalisation | Rs 2.55 bn |
| Revenue (TTM) | Rs 553.0 mn |
| Price / Earnings (P/E) | 19.60 |
| Price / Book (P/B) | 8.88 |
| Dividend yield | 0.00% |
| Return on equity (ROE) | 58.60% |
| Net margin | 24.70% |
| Debt / Equity (as reported by source) | 6.50% |
| Revenue growth, 3-year | — |
Company Snapshot
| Paid-up Capital | Rs 74.53 mn |
| Authorized Capital | Rs 125.00 mn |
| Shares Outstanding | 74.53 mn |
| Free Float | 7.45 mn |
| Free Float % | 10.00 % |
| Face Value | Rs 1.00 |
| Fiscal Year End | June |
| Avg Volume (12M) | 16,531 |
| Book Value / Share | Rs. 3.99 (Upto 2026 3Q) |
| Total Book Value (computed) | Rs 297.4 mn |
Capital data: SCSTRADE company snapshot, collected 6 Nov 2026. Total Book Value is computed on this page as Book Value / Share × Shares Outstanding.
PSX Scorecard — five checks on this stock's own data
VALUE
0/6
FUTURENo forecast data
PAST
5.5/6
HEALTH
6/6
DIVIDEND
3.5/6
Strongest: Financial health (6/6). Weakest: Value (0/6).
How this is scored
Scores are computed mechanically from the data on this page, 0–6 per axis, scaled over the checks that could be run — an axis with no data is labelled, never scored zero for missing data. VALUE: upside to the average analyst target (bands from +30% down), P/E and P/B below the sector median, yield above the sector median. FUTURE: S&P consensus forward EPS and revenue growth bands (only where estimates exist). PAST: revenue and EPS growth across the published financial history, latest year profitable, ROE bands. HEALTH: debt/equity bands, positive latest net margin, no loss-making year in the history. DIVIDEND: yield bands, years of recorded DPS, DPS trend, and payout (DPS ÷ EPS) at or under 100%. The full rule table is in the site's data inventory. Scores are a data summary, not a recommendation.
Investment Case — GEMPACRA
Strengths — from the numbers
- Revenue grew +65.5% across the published history, FY2022–FY2026 (Rs 325m → Rs 538m).
- Earnings per share grew +44.4% across the published history, FY2022–FY2026 (Rs 1.24 → Rs 1.79).
- Return on equity of 58.60% on the dataset's trailing figures.
- Debt/equity of 0.07 — below 1 (the source reports this figure as 6.50%).
- Dividends recorded in every one of the 2 years in the published record; latest DPS Rs 1.31 (2025).
Risks / watch points — from the numbers
- Net margin has fallen to 24.74% in FY2026, from 28.37% in FY2022.
- No dividend was recorded for 2023 in the source's dividend history.
- No dividend was recorded for 2024 in the source's dividend history.
Recent performance — FY2026
| Revenue | Rs 538m (+10.4% vs FY2025) |
| Net income | Rs 133m (+18.0% vs FY2025) |
| EPS | Rs 1.79 (+18.5% vs FY2025) |
| Net margin | 24.74% |
Latest published fiscal year from the financial history below (StockAnalysis figures, collected 6 Nov 2026).
Generated from the figures above — PSX Analysis data summary, not investment advice.
Quotes — GEMPACRA
| Quote | Value |
|---|---|
| Last price (Rs) | 34.18 |
| Change, 6 Nov session | +9.71% |
| Day open, 6 Nov (Rs) | 37.50 |
| Day high, 6 Nov (Rs) | 37.50 |
| Day low, 6 Nov (Rs) | 37.50 |
| Previous close — LDCP (Rs) | 34.18 |
| Volume (shares, 6 Nov session) | 5 |
| Market capitalisation | Rs 2.55 bn |
Day open/high/low and previous close (LDCP) are from the official PSX market-summary feed for the 6 Nov 2026 session, the same feed that supplies the closing price. 1-year figures are computed from the daily-close chart series below.
Technicals — GEMPACRA
Classic pivot levels — from the 6 Nov session
| Level | Rs |
|---|---|
| Resistance 2 (R2) | 36.39 |
| Resistance 1 (R1) | 35.29 |
| Pivot point (PP) | 36.39 |
| Support 1 (S1) | 35.29 |
| Support 2 (S2) | 36.39 |
Classic pivots from the 6 Nov 2026 session's high (Rs 37.50), low (Rs 37.50) and close (Rs 34.18) in the official PSX feed. The close sits below the pivot point.
Technicals are mechanical calculations on past prices. They describe momentum and recent trading ranges only — not investment advice.
Company — GEMPACRA
| Company | The Pakistan Credit Rating Agency Limited |
| Symbol | GEMPACRA |
| Sector | Miscellaneous |
| Market capitalisation | Rs 2.55 bn |
| Revenue (TTM) | Rs 553.0 mn |
Founded 1994 · Employees 79 — as published by StockAnalysis.
Company description: StockAnalysis company profile, collected 6 Nov 2026.
Exchange record: PSX company profile for GEMPACRA (Pakistan Stock Exchange data portal).
Financials — GEMPACRA
Revenue (TTM)
Rs 553m
Rs 553m
Net income (TTM)
Rs 140m
Rs 140m
EPS (TTM)
Rs 1.87
Rs 1.87
Net margin (TTM)
25.24%
25.24%
P/E
19.60
19.60
P/B
8.88
8.88
Dividend yield
0.00%
0.00%
ROE
58.60%
58.60%
Net margin
24.70%
24.70%
Debt / Equity
6.50%
6.50%
| Measure | FY2022 | FY2023 | FY2024 | FY2025 | FY2026 |
|---|---|---|---|---|---|
| Revenue (Rs m) | 325 | 409 | 441 | 487 | 538 |
| Operating income (Rs m) | 116 | 158 | 150 | 164 | 204 |
| Net income (Rs m) | 92 | 124 | 104 | 113 | 133 |
| EPS (Rs) | 1.24 | 1.66 | 1.39 | 1.51 | 1.79 |
| Net margin | 28.37% | 30.19% | 23.51% | 23.14% | 24.74% |
Trailing twelve months (to Sep 30, 2026, not a completed fiscal year): Revenue Rs 553m · Net income Rs 140m · EPS Rs 1.87 · Net margin 25.24%.
Source: StockAnalysis financials, collected 6 Nov 2026 — this stock's published history here spans FY2022–FY2026 (5 fiscal years; the source table publishes a maximum of five completed years per stock). A dash means the source did not publish that figure for that year.
Dividend History
| Dividend per share (Rs, per fiscal year) | 2022 | 2025 |
|---|---|---|
| DPS | 1.1 | 1.31 |
A dash means no dividend was recorded for that year in the source. Source: StockAnalysis dividend history, collected 6 Nov 2026.
All recorded dividend payments
Payments recorded since 2025 — StockAnalysis, collected 7 Nov 2026.
| Ex-dividend date | Dividend (Rs) | Pay date |
|---|---|---|
| Oct 20, 2025 | 1.310 | Nov 18, 2025 |
Payout ratio, FY2025: dividend per share Rs 1.31 ÷ EPS Rs 1.51 = 86.8% of earnings paid out as dividends.
Valuation & Fair Value — GEMPACRA
Fair P/E Value — sector multiple
Rs 35.34
Current price Rs 34.18 · +3.4%
Formula: sector median P/E 18.90× × EPS Rs 1.87 = Rs 35.34. Sector median across 18 Miscellaneous peers with a published P/E — the same basis as the median table below. EPS is the trailing-twelve-month (TTM) figure published in the dataset.
Fair P/B Value — sector multiple
Rs 6.90
Current price Rs 34.18 · -79.8%
Formula: sector median P/B 1.73× × book value per share Rs 3.99 = Rs 6.90. Sector median across 17 Miscellaneous peers with a published P/B — the same basis as the median table below. Book value per share from the SCSTRADE company snapshot (Upto 2026 3Q), collected 6 Nov 2026.
1 of 2 measures above the current price. Each measure stands on its own stated basis — they are deliberately not blended into a single fair value. Mechanical estimates computed from published data; not investment advice.
| Measure | GEMPACRA | Sector median |
|---|---|---|
| Price / Earnings (P/E) | 19.60 | 18.90 |
| Price / Book (P/B) | 8.88 | 1.73 |
| Dividend yield | 0.00% | 0.00% |
| Return on equity (ROE) | 58.60% | 11.95% |
Sector median across 21 listed peers in our dataset (sector: Miscellaneous), computed only from peers where the measure is published; a median is shown only when at least 5 peers have the measure.
Calendar — GEMPACRA
| Ex-dividend date | Dividend (Rs) | Pay date | Status |
|---|---|---|---|
| Oct 20, 2025 | 1.310 | Nov 18, 2025 | Paid |
Dividend dates as recorded by StockAnalysis (collected 6 Nov 2026); past payments are labelled Paid. Market-closed days that affect settlement: PSX Holidays 2026 · more yields and payers on the dividend hub.
Sector — GEMPACRA
GEMPACRA ranks #7 by market capitalisation among the 21 listed Miscellaneous stocks in our dataset. Full sector tables: Sectors.
FAQ — GEMPACRA
What is the current GEMPACRA share price?
The Pakistan Credit Rating Agency Limited (GEMPACRA) last traded at Rs 34.18 in the 6 Nov 2026 session, +9.71% on the day. Prices on this page are the PSX end-of-day close from the official delayed feed, not live prices.
Which PSX sector is GEMPACRA in?
The Pakistan Credit Rating Agency Limited (GEMPACRA) is classified in the Miscellaneous sector on the Pakistan Stock Exchange.
What is the latest GEMPACRA dividend?
Total dividend per share for fiscal 2025 was Rs 1.31; the most recent recorded payment is Rs 1.31 per share (ex-date Oct 20, 2025, pay date Nov 18, 2025). Dividend history as recorded by StockAnalysis, collected 6 Nov 2026.
What are GEMPACRA's P/E ratio and dividend yield?
The Pakistan Credit Rating Agency Limited (GEMPACRA) shows a P/E ratio of 19.60 and a dividend yield of 0.00% in the public data collected 6 Nov 2026.
Answers are generated from this page's own figures (public data collected 6 Nov 2026; prices are the 6 Nov 2026 PSX end-of-day close, not live).
The Pakistan Credit Rating Agency Limited (GEMPACRA) is classified in the Miscellaneous sector on the Pakistan Stock Exchange.
Every figure above comes from public listings collected on 6 November 2026 (StockAnalysis and SmartMoney, merged by symbol), with the price, change and volume refreshed on 6 Nov 2026 from the official PSX delayed market feed (end-of-day close, fetched 23:14 PKT) — delayed figures, not live prices. If this stock was absent from that feed, its price is the previous latest close. A dash means the measure was not published for this stock by the sources, not that it is zero. Compare GEMPACRA with the market's largest shares in the Top 250 screener, browse the whole market in Stocks A–Z, and read the ratios explainer in Learn.
This page is a data summary for education, not a recommendation to buy or sell GEMPACRA.