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Clover Pakistan Ltd

KAR:CLOVConsumer Non-DurablesPSX:ALLSHRPSX:KMIALLSHR

Rs 5.75−0.69%LiveIn session · ≈ AED 0.0763 · Market cap $9.32M

Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	YoY
Gross margin	20.4%	−7.8%	3.5%	−18.2%	13.1%	10.9%	−2.2 pts
Operating margin	−8.9%	−48.6%	−111.7%	−127.9%	10.2%	5.9%	−4.3 pts
Net margin	−39.4%	−161.6%	−117.6%	−119.9%	10.6%	6.9%	−3.7 pts
EBITDA margin	−7.1%	−46.4%	−102.7%	−121.1%	10.3%	5.9%	−4.4 pts
Return on equity	−17.8%	−226.5%	−69.7%	−82.7%	69.1%	47.6%	−21.4 pts
Return on assets	−16.0%	−197.8%	−55.9%	−58.2%	58.6%	38.8%	−19.8 pts
Return on capital employed	−4.0%	−68.1%	−66.2%	−88.2%	66.1%	40.5%	−25.6 pts
Debt / equity	0.0×	0.0×	0.0×	0.0×	0.0×	0.0×	—
Debt / assets	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	—
Interest coverage	−11.5×	−121.3×	−134.8×	−4,750.1×	0.0×	0.0×	—
Current ratio	6.3×	7.3×	4.7×	3.1×	5.6×	4.4×	−22.3%
Quick ratio	2.0×	2.9×	2.2×	2.3×	0.8×	0.6×	−19.2%
Cash ratio	0.2×	0.2×	0.1×	0.0×	0.0×	0.3×	+1139.8%
Asset turnover	0.4×	1.2×	0.5×	0.5×	5.5×	5.6×	+2.0%
Inventory turnover	0.9×	2.4×	0.9×	2.4×	6.5×	7.2×	+10.5%
Receivables turnover	4.4×	5.5×	2.1×	1.5×	47.4×	97.1×	+104.8%
Dividend payout	−0.5%	0.0%	0.0%	0.0%	0.0%	0.0%	—