Strength-6 - FoxLogica

⏸️ PACE: HOLD Signal (6/10) – Financial Results for the Quarter Ended 2025-09-30

⚡ Flash Summary

Pace (Pakistan) Limited reported its condensed interim unconsolidated financial results for the quarter ended September 30, 2025. The company’s revenue decreased significantly to Rs 151.567 million compared to Rs 474.139 million in the same quarter last year. However, the profit after taxation was significantly higher at Rs 362.148 million compared to Rs 156.870 million in 2024. The earnings per share (basic and diluted) also increased to Rs 1.30 from Rs 0.56.

Signal: HOLD ⏸️

Strength: 6/10

Sentiment: NEUTRAL

Time Horizon: MEDIUM_TERM

📌 Key Takeaways

Revenue decreased significantly by 68% to Rs 151.567 million compared to Rs 474.139 million year-over-year. 📉
Gross profit decreased to Rs 86.704 million from Rs 222.673 million in the previous year. 📉
Other income increased significantly to Rs 363.769 million from Rs 9.703 million year-over-year. 🚀
Profit from operations increased significantly to Rs 370.488 million from Rs 192.645 million year-over-year. 📈
Finance costs increased to Rs 49.337 million from Rs 39.866 million in the previous year. 💸
Exchange gains were Rs 42.892 million compared to Rs 11.009 million year-over-year. 💹
Profit before income tax and minimum taxes increased significantly to Rs 364.043 million from Rs 162.796 million year-over-year. 🌟
Profit after taxation increased significantly to Rs 362.148 million from Rs 156.870 million year-over-year. 🎉
Basic and diluted earnings per share increased to Rs 1.30 from Rs 0.56 year-over-year. 🚀
The Board has approved the issuance of up to 1,300 million ordinary shares at Rs. 10.00 per share to Pace Barka Properties Limited, subject to regulatory approvals. 🤝
These new shares cannot be sold on the market for two years after issuance. 🔒
The Board approved acquiring Pace Circle Project from Pace Barka Properties Limited, with fair value to be determined by a registered valuer. 🏢

🎯 Investment Thesis

HOLD. The company’s increased profitability and EPS are encouraging, but the decline in revenue raises concerns about its long-term sustainability. The potential issuance of new shares could dilute existing shareholders’ value, but the Pace Circle Project acquisition could offer future growth opportunities. A more detailed analysis of the sources of ‘other income’ and the financials of the Pace Circle Project is needed before making a stronger recommendation.

View Original PDF

Disclaimer: AI-generated analysis. Not financial advice.

Written by: FoxLogica News Analysis

Published on: November 7, 2025

announcements Signal: HOLD STJT

⏸️ STJT: HOLD Signal (6/10) – CORPORATE BRIEFING SESSION

⚡ Flash Summary

Shahtaj Textile Limited’s corporate briefing reveals a challenging year. Net sales decreased by 16.8% to Rs 6.620 billion, which they attributed to focusing on sales orders against weaving charges. However, the company reported an after-tax profit of Rs 110.983 million, with EPS rising to Rs 11.49, compared to Rs 2.81 in the prior year, indicating improved profitability despite lower revenues. The company has also installed a 1 MW solar plant and is in the process of adding another 3.3 MW, showing a commitment to renewable energy and cost reduction.

Signal: HOLD ⏸️

Strength: 6/10

Sentiment: NEUTRAL

Time Horizon: MEDIUM_TERM

📌 Key Takeaways

📉 Net sales decreased by 16.8% from Rs 7.953 billion to Rs 6.620 billion.
⬆️ After-tax profit increased to Rs 110.983 million.
⬆️ Earnings per share (EPS) increased significantly to Rs 11.49 from Rs 2.81.
☀️ Company installed a 1 MW solar plant.
🏭 Plans to add an additional 3.3 MW solar plant.
⬆️ Gross profit rate increased to 9.78% from 8.47%.
💰 Authorized Capital – 100,000,000.
✔️ Issued Paid-up Capital – 96,600,000 (Ordinary Shares of Rs. 10 each).
✔️ The entity ratings for the current year assigned on November 13, 2024 has been maintained at ‘A-/A-2′.
✔️ The governing board comprised of ten(10) members.
✔️ Director’s, CEO, Their Spouse and Minor Children SHARES HELD 3,673,940 PERCENTAGE % 38.03

🎯 Investment Thesis

Given the mixed performance, I recommend a HOLD rating on Shahtaj Textile Limited. The increased EPS and focus on renewable energy are encouraging, but the revenue decrease needs to be closely monitored. I would need to better understand what sales orders against weaving charges is. Current market value of 89.33, I think it can get to 100 but it would be a long time to get there. Given risk factor, would need it as HOLD.

View Original PDF

Disclaimer: AI-generated analysis. Not financial advice.

Written by: FoxLogica News Analysis

Published on: November 7, 2025

announcements PINL Signal: HOLD

⏸️ PINL: HOLD Signal (6/10) – Financial Results for the Quarter ended 2025-09-30

⚡ Flash Summary

Premier Insurance Limited (PINL) reported its financial results for the nine months ended September 30, 2025. The company’s net insurance premium decreased to PKR 204.659 million compared to PKR 211.947 million in the same period last year. Despite the decrease in premium, the company managed to increase its profit after taxation to PKR 87.941 million, significantly higher than the PKR 21.047 million reported in the corresponding period of 2024. This increase in profitability was primarily driven by higher investment income and effective cost management.

Signal: HOLD ⏸️

Strength: 6/10

Sentiment: POSITIVE

Time Horizon: MEDIUM_TERM

📌 Key Takeaways

📉 Net insurance premium decreased by 3.4% YoY, from PKR 211.947 million to PKR 204.659 million.
✅ Net insurance claims decreased by 11.5% YoY, from PKR 112.878 million to PKR 125.896 million.
👍 Investment income increased significantly by 45.1% YoY, from PKR 133.868 million to PKR 194.317 million.
💰 Profit after taxation surged by 317.8% YoY, from PKR 21.047 million to PKR 87.941 million.
⭐ Basic and diluted earnings per share (EPS) increased to PKR 1.74 from PKR 0.42 YoY.
❌ Underwriting results showed a loss of PKR 58.282 million, an improvement from the loss of PKR 102.548 million in the previous year.
🏢 Management expenses decreased by 18.6% YoY, from PKR 185.641 million to PKR 151.161 million.
🏦 Total assets increased by 8.0% from December 31, 2024, from PKR 3,311.927 million to PKR 3,559.759 million.
🧾 No cash dividend, bonus shares, or right shares were recommended by the board.
💸 Cash flow from investing activities showed a net inflow of PKR 224.817 million compared to PKR 154.541 million in the prior year.
📉 Cash used in operating activities was PKR 229.434 million, compared to PKR 139.436 million in the previous period.
🏢 Equity securities investments stood at PKR 1,047.767 million, a rise from PKR 878.299 million at the end of 2024.
⭐ Accumulated losses decreased from PKR 939.890 million as of December 31, 2024, to PKR 851.949 million.
👍 Total comprehensive income for the period reached PKR 61.797 million, a significant turnaround from PKR -10.701 million in the prior year.

🎯 Investment Thesis

Given the mixed performance and several risks, a HOLD recommendation is appropriate for Premier Insurance Limited. The company has shown improved profitability driven by investment income and cost management, but declining premium revenue and negative operating cash flow are concerning. A price target will require a deeper dive and sector comparable analysis, and more clarity is needed on whether improvements can be sustained. Time horizon: MEDIUM_TERM.

View Original PDF

Disclaimer: AI-generated analysis. Not financial advice.

Written by: FoxLogica News Analysis

Published on: November 7, 2025

announcements Signal: HOLD STJT

⏸️ STJT: HOLD Signal (6/10) – CORPORATE BRIEFING SESSION REVOKED

⚡ Flash Summary

Shahtaj Textile Limited’s corporate briefing session presentation reveals a challenging year ended June 30, 2025. Net sales decreased by 16.8% to Rs 6.620 billion due to a shift in sales strategy towards orders where yarn is customer-supplied. Despite lower revenues, the company achieved a profit after tax of Rs 110.983 million, significantly higher than the previous year, resulting in an EPS of Rs 11.49, up from Rs 2.81. This enhanced profitability is attributed to reduced finance costs, minimum tax benefits, and an improved gross profit margin, which rose to 9.78% from 8.47%.

Signal: HOLD ⏸️

Strength: 6/10

Sentiment: NEUTRAL

Time Horizon: MEDIUM_TERM

📌 Key Takeaways

📉 Revenue decreased by 16.8%, from Rs 7.953 billion to Rs 6.620 billion.
✅ Profit after tax increased to Rs 110.983 million compared to Rs 27.192 million last year.
🚀 Earnings per share (EPS) increased to Rs 11.49 from Rs 2.81.
📈 Gross profit margin improved to 9.78% from 8.47%.
💰 Cash dividend declared at Rs 5.50 per share.
⚡️ The company installed a 1 MW solar plant and is adding 3.3 MW more to reduce energy costs and carbon footprint.
🏭 Total installed looms are 179, supported by self-power generation.
✔️ Credit rating maintained at ‘A-/A-2’ by VIS Credit Rating Company Limited.
🏢 Authorized capital is Rs 100,000,000 with an issued paid-up capital of Rs 96,600,000.
🌍 Operations span from manufacturing in Lahore to marketing in Karachi.
📊 Breakup Value per Share is 245.33
✔️ The company’s focus is on manufacturing grey fabric for key exporters.
🤝 The company is a part of the Shahnawaz Group.
🗓️ The company was incorporated in January 1990.

🎯 Investment Thesis

HOLD. Shahtaj Textile’s improved profitability and EPS are encouraging, but the significant revenue decrease warrants caution. The strategic shift in sales needs to be monitored for sustained impact. The company’s cost management efforts and investment in renewable energy are positive signals. The current valuation appears attractive, but a more in-depth analysis is needed before considering a BUY rating. Continue to monitor the company’s financial performance over the next few quarters to assess the sustainability of these improvements.

View Original PDF

Disclaimer: AI-generated analysis. Not financial advice.

Written by: FoxLogica News Analysis

Published on: November 7, 2025

announcements CPPL Signal: HOLD

⏸️ CPPL: HOLD Signal (6/10) – CERTIFIED COPY OF THE RESOLUTIONS PASSED BY THE MEMBERS OF THE COMPANY AT THE ANNUAL GENERAL MEETING

⚡ Flash Summary

Cherat Packaging Limited (CPPL) held its 36th Annual General Meeting on October 23, 2025. Shareholders approved the annual audited accounts for the year ended June 30, 2025. A final cash dividend of Rs. 2.00 per share (20%) was declared, in addition to an interim dividend of Rs. 1.00 per share (10%) already paid. Grant Thornton Anjum Rahman were reappointed as auditors for the next term, and related party transactions were ratified.

Signal: HOLD ⏸️

Strength: 6/10

Sentiment: POSITIVE

Time Horizon: MEDIUM_TERM

📌 Key Takeaways

✅ Annual Audited Accounts for the year ended June 30, 2025 were approved.
💰 Final cash dividend of Rs. 2.00 per share (20%) declared.
💵 Interim cash dividend of Rs. 1.00 per share (10%) already paid.
🤝 Total dividend for the year: Rs. 3.00 per share (30%).
👨‍💼 Grant Thornton Anjum Rahman reappointed as auditors.
🗓️ Auditors’ term ends at the conclusion of the next AGM.
💼 Related party transactions disclosed in Note 35 ratified.
🤝 Board authorized to enter related party transactions until June 30, 2026.
📜 Compliance with Clause 5.6.9.(b) of the Pakistan Stock Exchange Rule Book.
🗓️ AGM held on October 23, 2025.

🎯 Investment Thesis

Based on the provided information, a HOLD recommendation seems appropriate. The company has demonstrated a consistent dividend payout, and there are no immediate red flags from the AGM resolutions. Further analysis is needed, focusing on financial statements, before making a more decisive BUY or SELL recommendation.

View Original PDF

Disclaimer: AI-generated analysis. Not financial advice.

Written by: FoxLogica News Analysis

Published on: November 7, 2025

announcements JSCLPSA Signal: SELL

📉 JSCLPSA: SELL Signal (6/10) – Disclosure of Interest by a Director CEO, or Executive of a listed company and their Spouses and the Substantial Shareholders u/c 5.6.1.(d) of PSX Regulations

⚡ Flash Summary

On October 7, 2025, Mr. Shahid Hussain Jatoi, a Director at Jahangir Siddiqui & Co. Ltd. (JSCLPSA), and his spouse, Ambreen Jatoi, sold Class ‘A’ Preference shares of the company. Mr. Jatoi sold 200 shares at a price of Rs.14.25 per share, while Ms. Jatoi sold 17,800 shares, also at Rs.14.25 per share. The transactions were executed electronically through the Central Depository Company (CDC) and through ready market. According to the announcement, the cumulative shareholding percentage for both parties after the transaction is 0%.

Signal: SELL 📉

Strength: 6/10

Sentiment: NEGATIVE

Time Horizon: MEDIUM_TERM

📌 Key Takeaways

🚨 Director and spouse sold shares: Shahid Hussain Jatoi, a Director, and Ambreen Jatoi, his spouse, sold shares.
📉 Class ‘A’ Preference shares: The shares sold were Class ‘A’ Preference shares of Jahangir Siddiqui & Co. Ltd.
📅 Transaction date: The transactions occurred on October 7, 2025.
💰 Sale price: Both Mr. Jatoi and Ms. Jatoi sold their shares at Rs.14.25 per share.
📊 Mr. Jatoi’s sale: Mr. Jatoi sold 200 shares of JSCLPSA.
📈 Ms. Jatoi’s sale: Ms. Jatoi sold 17,800 shares of JSCLPSA.
💱 Electronic transaction: The transactions were executed electronically through CDC.
🏛️ Ready Market: The sales took place through the Ready Market.
📊 Cumulative shareholding: After the transaction, the cumulative shareholding percentage for both individuals is 0%.
💼 Disclosure: The disclosure was made under PSX Rule Book and the Securities Act, 2015.
🏢 Company Secretary: Muhammad Babar Din, Company Secretary, made the announcement.
📜 Annexure A: Details are provided in Annexure A, as per clause 5.6.4 of the PSX Rule Book.
📍 Registered Office: The registered office is located in ISE Towers, Islamabad.

🎯 Investment Thesis

SELL. The sale of shares by a director and his spouse raises concerns about insider sentiment and potential future performance of JSCLPSA. While it’s not conclusive, the disclosure indicates a potential lack of confidence. Coupled with the fact that the cumulative shareholding after sale is 0%, investors might lose confidence which could negatively impact the stock price. A price target would depend on a more comprehensive analysis of JSCLPSA’s fundamentals, but given the negative signal, a reduction from the current market price seems likely within the next 6-12 months.

View Original PDF

Disclaimer: AI-generated analysis. Not financial advice.

Written by: FoxLogica News Analysis

Published on: November 7, 2025

announcements MMBLTFC Signal: HOLD

⏸️ MMBLTFC: HOLD Signal (6/10) – Financial Results for the period ended 30 September 2025

⚡ Flash Summary

Mobilink Microfinance Bank Limited (MMBLTFC) reported its financial results for the period ended September 30, 2025. The bank experienced a notable increase in total income, driven by growth in both net markup/interest income and non-markup income. Profit after taxation remained relatively stable compared to the same period last year. The bank’s total assets grew significantly, reflecting expanded operations, while net assets also increased substantially.

Signal: HOLD ⏸️

Strength: 6/10

Sentiment: POSITIVE

Time Horizon: MEDIUM_TERM

📌 Key Takeaways

⬆️ Total assets increased to PKR 215.64 billion, up from PKR 185.39 billion at the end of 2024.
⬆️ Net assets rose to PKR 12.17 billion compared to PKR 9.42 billion at the end of 2024.
⬆️ Net markup/interest income increased to PKR 38.83 billion from PKR 29.93 billion in the prior year period.
⬆️ Non-markup/non-interest income grew to PKR 15.63 billion, up from PKR 10.13 billion.
⬆️ Total income increased to PKR 54.45 billion from PKR 40.06 billion.
⬇️ Operating expenses increased to PKR 36.20 billion from PKR 28.41 billion.
⬇️ Credit loss allowance increased significantly to PKR 15.98 billion.
⬆️ Profit before taxation increased to PKR 2.23 billion from PKR 2.06 billion.
⬇️ Basic earnings per share (EPS) decreased to 3.34 from 5.24.
⬆️ Deposits and other accounts grew to PKR 178.03 billion from PKR 154.95 billion.
⬆️ Borrowings increased to PKR 2.41 billion from PKR 0.77 billion.
⬆️ Advances increased to PKR 87.63 billion from PKR 74.93 billion.
⬆️ Cash and cash equivalents at the end of the year increased to PKR 81.28 billion from PKR 41.99 billion.

🎯 Investment Thesis

HOLD. MMBLTFC demonstrates growth in key areas such as total income, total assets and net assets, but also has areas of concern. The increase in credit loss allowance and the decrease in earnings per share are indicators that this is not necessarily the time to buy. If those are resolved, the outlook may change. Therefore, a hold rating is appropriate. Price target will be determined after a deeper analysis to be performed in the future. The time horizon is medium term.

View Original PDF

Disclaimer: AI-generated analysis. Not financial advice.

Written by: FoxLogica News Analysis

Published on: November 7, 2025

announcements CPPL Signal: HOLD

⏸️ CPPL: HOLD Signal (6/10) – Credit of final cash dividend

⚡ Flash Summary

Cherat Packaging Limited (CPPL) has announced the credit of its final cash dividend of Rs. 2.00 per share, which is equivalent to 20% for the year ended June 30, 2025. The dividend, approved by the Board of Directors on August 20, 2025, has been electronically credited to the shareholders’ designated bank accounts on October 23, 2025. This distribution reflects CPPL’s commitment to returning value to its shareholders. The announcement provides insight into the company’s profitability and cash flow management.

Signal: HOLD ⏸️

Strength: 6/10

Sentiment: POSITIVE

Time Horizon: MEDIUM_TERM

📌 Key Takeaways

💰 CPPL announces a final cash dividend of Rs. 2.00 per share.
📈 The dividend represents a 20% payout for the year ended June 30, 2025.
🗓️ The dividend was approved by the Board of Directors on August 20, 2025.
🏦 Dividend credited electronically to shareholders’ bank accounts on October 23, 2025.
✅ The announcement reaffirms CPPL’s commitment to shareholder returns.
📊 This dividend payout indicates positive financial performance for the fiscal year 2025.
👍 Signals confidence from the board in the company’s financial health.
🔍 Investors should review CPPL’s full financial statements for comprehensive analysis.
🇵🇰 CPPL is listed on the Pakistan Stock Exchange.
📜 The announcement was made by Asim H. Akhund, Company Secretary.

🎯 Investment Thesis

HOLD. Based on the announcement of a final cash dividend, a hold recommendation is appropriate pending further analysis of CPPL’s financials and industry trends. A price target cannot be accurately determined solely from this announcement. The time horizon is medium-term, dependent on CPPL’s continued financial performance and dividend policy.

View Original PDF

Disclaimer: AI-generated analysis. Not financial advice.

Written by: FoxLogica News Analysis

Published on: November 7, 2025

announcements OPENFUND Signal: HOLD

⏸️ OPENFUND: HOLD Signal (6/10) – OPEN FUND 786 Smart Fund Financial Results of the Quarter/Period Ended September 30, 2025.

⚡ Flash Summary

OPEN FUND 786 Smart Fund’s financial results for the quarter ended September 30, 2025, show a decrease in net income after taxation to PKR 34.06 million compared to PKR 62.71 million in the same quarter last year. The fund did not recommend any cash dividend, bonus units, or right shares. Total assets decreased from PKR 1,527.73 million as of June 30, 2025, to PKR 1,423.38 million. Net assets value per unit increased slightly from PKR 84.06 to PKR 86.02.

Signal: HOLD ⏸️

Strength: 6/10

Sentiment: NEGATIVE

Time Horizon: MEDIUM_TERM

📌 Key Takeaways

📉 Net income after taxation decreased to PKR 34.06 million from PKR 62.71 million YoY.
❌ No cash dividend was recommended for the period.
🚫 No bonus units were declared for the period.
❌ No right shares were offered for the period.
💰 Total assets decreased to PKR 1,423.38 million from PKR 1,527.73 million since June 30, 2025.
⬆️ Net assets value per unit increased to PKR 86.02 from PKR 84.06 since June 30, 2025.
🏦 Balances with banks decreased significantly to PKR 714.88 million from PKR 949.92 million since June 30, 2025.
📊 Investments increased to PKR 690.76 million from PKR 558.70 million since June 30, 2025.
💸 Income from investments and balances with banks decreased to PKR 40.47 million from PKR 64.34 million YoY.
⚠️ Impairment on investment reported at PKR 3.06 million for the quarter.
🏢 Remuneration to the management company increased to PKR 5.64 million from PKR 4.91 million YoY.
🧾 Total liabilities increased slightly to PKR 14.30 million from PKR 13.92 million since June 30, 2025.
🔄 Net cash used in operating activities was PKR (96.07) million compared to cash generated of PKR 600.19 million YoY.
📉 Net cash used in financing activities was PKR (138.96) million compared to (135.51) million YoY.
❌ No other entitlement or corporate action was declared.

🎯 Investment Thesis

HOLD. OPEN FUND 786 Smart Fund’s recent performance indicates challenges in maintaining profitability. The decrease in net income and shift to negative operating cash flow are concerning. While the net asset value per unit has slightly increased, the overall financial picture suggests caution. Given these factors, a hold recommendation is appropriate. Investors should monitor the fund’s performance and strategic adjustments closely. This recommendation will be re-evaluated following the next financial results release.

View Original PDF

Disclaimer: AI-generated analysis. Not financial advice.

Written by: FoxLogica News Analysis

Published on: November 7, 2025

announcements NATF Signal: HOLD

⏸️ NATF: HOLD Signal (6/10) – PRIOR PUBLICAITON – NOTICE OF FIRST INTERIM CASH DIVIDEND AND BOOK CLOSURE – (D-39)

⚡ Flash Summary

National Foods Limited has announced an interim cash dividend of Rs. 18.00 per share, representing 360% of the share value, for the first quarter of the financial year ending June 30, 2026. The decision was made during a Board of Directors meeting held on October 20, 2025. The share transfer books will be closed from November 3 to November 5, 2025, and transfers received by the Share Registrar by October 31, 2025, will be considered for the dividend entitlement. Shareholders are advised to ensure their tax status is active to avoid tax deductions on the dividend.

Signal: HOLD ⏸️

Strength: 6/10

Sentiment: POSITIVE

Time Horizon: MEDIUM_TERM

📌 Key Takeaways

💰 Interim cash dividend declared at Rs. 18.00 per share (360%).
🗓️ Dividend is for the 1st Quarter of the financial year ending June 30, 2026.
📅 Board decision made on October 20, 2025.
⛔ Share transfer books close from November 3 to November 5, 2025.
⏳ Transfers must be received by October 31, 2025, for dividend entitlement.
⚠️ Shareholders must ensure active tax status to avoid dividend tax deductions.
🧾 Tax status to be checked against the Active Tax-payers List (ATL).
🏦 Withholding tax will be determined based on the active/non-active status of shareholders.
🤝 Joint shareholders need to provide shareholding proportions.
🏢 Corporate shareholders should update their National Tax Number (NTN).
📝 NTN certificate required from Corporate Physical/Physical Shareholders.
🚫 Tax exemption only if a valid certificate is provided by October 31, 2025.
📍 Information to be sent to the Share Registrar’s office.

🎯 Investment Thesis

HOLD. The announcement of a significant interim dividend is a positive sign. However, further evaluation is needed to assess the sustainability of this dividend policy and its impact on long-term growth prospects. Without comprehensive financial data, a hold strategy is the most prudent approach. Price target: Dependent on FY2026 performance and industry outlook. Time Horizon: Medium Term.

View Original PDF

Disclaimer: AI-generated analysis. Not financial advice.

Written by: FoxLogica News Analysis

Published on: November 7, 2025

+ More