| Price | Rs 11.15 |
| ZEME fair value | Rs 7.73 |
| Discount to fair value | -30.7% |
| Smart-money phase | Launching |
| Confidence score | 68/100 |
| RSI (14) | 53.6 |
| P/E | — |
| ROE | —% |
| Dividend yield | 5.6% |
| 52-week range | Rs 9.94 – Rs 19.50 |
| Sector | Insurance |
| Shariah-compliant | No |
HICL (Habib Insurance Co. Ltd) trades at Rs 11.15 on the Pakistan Stock Exchange, in the Launching smart-money phase — launching. ZEME's model puts fair value near Rs 7.73, making it about 30.7% overvalued. The stock is breaking out of accumulation into markup — momentum is turning up.
ZEME AI reads HICL through operator accumulation/distribution phases, fair value across three methods, RSI and volume, plus institutional flow (FIPI/LIPI & off-market) — the same smart-money engine behind our daily PSX signals. For the live chart, entry/stop/target and history, open the interactive analysis above.
Constructive — ZEME sees smart-money accumulation; check the entry vs the load zone. The stock is breaking out of accumulation into markup — momentum is turning up. As of 20 Jul 2026, HICL is in the Launching phase with a ZEME confidence score of 68/100.
ZEME estimates HICL's fair value at about Rs 7.73, versus a market price of Rs 11.15 — roughly 30.7% overvalued.
HICL is currently in the Launching phase. The stock is breaking out of accumulation into markup — momentum is turning up.
Data updated 20 Jul 2026 from ZEME AI's PSX engine. Educational analytics, not investment advice — do your own research and use a stop loss. Trading carries risk.