Adamjee Insurance Co (KAR:AICL) OCF Margin %: -3.88% (As of Mar. 2026)


KAR:AICL Adamjee Insurance Co Ltd KAR:AICL
72 GF Score
Price ₨80.05
GF Value ₨61.30
Valuation Significantly Overvalued
! 3 Warning Signs
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What is Adamjee Insurance Co OCF Margin %?

Adamjee Insurance Co KAR:AICL -0.57% 72 OCF Margin % is -3.88% as of Mar. 2026. GuruFocus rates KAR:AICL with a GF Score™ of 72/100 and a GF Value™ of ₨61.30 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 506 Insurance companies, Adamjee Insurance Co ranks worse than 69.96% on this metric.

OCF Margin % is calculated as Cash Flow from Operations divided by its Revenue. Adamjee Insurance Co's Cash Flow from Operations for the three months ended in Mar. 2026 was ₨-827 Mil. Adamjee Insurance Co's Revenue for the three months ended in Mar. 2026 was ₨21,310 Mil. Therefore, Adamjee Insurance Co's OCF Margin % for the quarter that ended in Mar. 2026 was -3.88%.

As of today, Adamjee Insurance Co's current OCF Yield % is 14.04%.

The historical rank and industry rank for Adamjee Insurance Co's OCF Margin % or its related term are showing as below:

KAR:AICL' s OCF Margin % Range Over the Past 10 Years
Min: -5.3   Med: 13.81   Max: 29.51
Current: 3.8


During the past 13 years, the highest OCF Margin % of Adamjee Insurance Co was 29.51%. The lowest was -5.30%. And the median was 13.81%.

KAR:AICL's OCF Margin % is ranked worse than
69.96% of 506 companies
in the Insurance industry
Industry Median: 10.855 vs KAR:AICL: 3.80


Adamjee Insurance Co OCF Margin % Related Terms


Adamjee Insurance Co OCF Margin % Historical Data

* Premium members only.

The historical data trend for Adamjee Insurance Co's OCF Margin % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Adamjee Insurance Co OCF Margin % Chart

Adamjee Insurance Co Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
OCF Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 20.09 8.84 -5.30 9.93 7.28

Adamjee Insurance Co Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
OCF Margin % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 12.64 -7.03 10.70 11.29 -3.88

KAR:AICL vs CB, PGR, TRV: OCF Margin % Comparison

For the Insurance - Property & Casualty subindustry, Adamjee Insurance Co's OCF Margin %, along with its competitors' market caps and OCF Margin % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Adamjee Insurance Co OCF Margin % vs Insurance Industry

For the Insurance industry and Financial Services sector, Adamjee Insurance Co's OCF Margin % distribution charts can be found below:

* The bar in red indicates where Adamjee Insurance Co's OCF Margin % falls into.


KAR:AICL
72GF Score
Adamjee Insurance Co Ltd KAR:AICL
OCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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Adamjee Insurance Co OCF Margin % Calculation

OCF Margin % is the ratio of Cash Flow from Operations divided by net sales or Revenue, usually presented in percent.

Adamjee Insurance Co's OCF Margin for the fiscal year that ended in Dec. 2025 is calculated as

OCF Margin=Cash Flow from Operations (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=7579.625/104133.755
=7.28 %

Adamjee Insurance Co's OCF Margin for the quarter that ended in Mar. 2026 is calculated as

OCF Margin=Cash Flow from Operations (Q: Mar. 2026 )/Revenue (Q: Mar. 2026 )
=-827.343/21310.407
=-3.88 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about OCF Margin % →
What does a OCF Margin % of -3.88% mean?
Adamjee Insurance Co (KAR:AICL) has a OCF Margin % of -3.88% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Adamjee Insurance Co and its competitors. According to the industry distribution chart, Adamjee Insurance Co ranks #354 out of 506 companies in the Insurance industry, placing it in the top 70%.
Is Adamjee Insurance Co's OCF Margin % too high?
Adamjee Insurance Co's current OCF Margin % is -3.88%. Based on the distribution chart, Adamjee Insurance Co ranks #354 out of 506 companies in the Insurance industry, which is below the industry midpoint. Overall, Adamjee Insurance Co has a GF Score™ of 72/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Adamjee Insurance Co's OCF Margin % compare to CB and PGR?
According to the Insurance industry distribution chart, Adamjee Insurance Co ranks #354 out of 506 companies for OCF Margin %. This places Adamjee Insurance Co in the lower half of its industry. The industry median OCF Margin % is 10.86. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for an Insurance company?
The median OCF Margin % among Insurance companies is 10.86, based on 506 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Adamjee Insurance Co and its competitors. For the Insurance industry, the median OCF Margin % is 10.86 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Adamjee Insurance Co's current OCF Margin % is -3.88%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Adamjee Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, Adamjee Insurance Co (KAR:AICL) is currently considered Significantly Overvalued. The stock's GF Value™ is ₨61.30, compared to a current price of ₨80.05 — trading 30.6% above its estimated fair value. The current OCF Margin % is -3.88%. Adamjee Insurance Co's overall GF Score™ is 72/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Adamjee Insurance Co (KAR:AICL), the current OCF Margin % is -3.88% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Adamjee Insurance Co (KAR:AICL) Overvalued in 2026?

Based on GuruFocus' analysis, Adamjee Insurance Co stock appears to be overvalued. The current stock price of ₨80.05 is trading 30.6% above its estimated GF Value™ of ₨61.30. GuruFocus considers Adamjee Insurance Co to be Significantly Overvalued.

Key valuation signals for KAR:AICL:

  • OCF Margin %: -3.88%
  • GF Value™: ₨61.30 vs. price of ₨80.05 (30.6% above fair value)
  • GF Score™: 72/100 with 3 warning signs

No single metric tells the full story. See the KAR:AICL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Adamjee Insurance Co Business Description

Address Main Boulevard, Gulberg-III, 80/A, Block E-1, Adamjee House Building, Lahore, PAK, 54000
Adamjee Insurance Co Ltd is an insurance company engaged in providing insurance to various categories of businesses, such as Fire and Property, Marine Aviation and Transport, Motor, Accident and Health, and Miscellaneous Insurance. Some of the company's high-risk-value projects include the risk-coverage provision to Petrochemical Factories and Industrial Risk projects. It has five primary business segments for reporting purposes, namely Fire & property, marine aviation & transport, motor, accident & health, and miscellaneous. The company generates the majority of its revenue from the Motor segment.
72GF Score

Get the complete analysis for KAR:AICL

OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₨80.05
Price
₨61.30
GF Value