Clover Pakistan Limited

Company Overview

Clover Pakistan Limited (CLOV) is a company listed on the Pakistan Stock Exchange. It was incorporated in Pakistan on September 30, 1986.

The company's FY2026 annual report describes its recent business performance as being driven by petroleum-product sales, company-operated filling and service stations, and transportation services. The PSX profile still displays the sector classification “Food & Personal Care Products,” so investors should distinguish the Exchange's displayed classification from the activities described in the latest annual report.

Official and reference sources:

• PSX company profile — CLOV
• Clover Pakistan FY2026 Annual Report
• FY2026 financial results announcement

FY2026 Financial Performance

For the financial year ended June 30, 2026, Clover Pakistan reported the following standalone results:

Financial metric	FY2026	FY2025
Net revenue	Rs.7.762 billion	Rs.3.678 billion
Gross profit	Rs.507.89 million	Rs.414.98 million
Operating profit	Rs.409.66 million	Rs.282.88 million
Profit after tax	Rs.315.75 million	Rs.253.40 million
Earnings per share	Rs.0.81	Rs.0.65

Revenue increased by approximately 111%, while profit after tax rose by approximately 24.6%. The annual report attributes revenue growth primarily to higher petroleum-product sales, the operation of company-owned filling and service stations, and growth in transportation services.

Although gross profit increased in absolute terms, the gross profit margin was lower than in FY2025. Investors should therefore examine the cost of sales, operating expenses, cash flows and the sustainability of the company's expanding revenue base.

Source: Clover Pakistan FY2026 Annual Report

Bonus Shares and Dividend

For FY2026, the board recommended:

• Bonus shares: 15 shares for every 100 shares held, equivalent to a proposed 15% bonus issue.
• Cash dividend: Nil.
• Annual General Meeting: Scheduled for October 28, 2026, according to the company announcement.

The bonus issue was a board recommendation and should not be described as finally approved or issued unless the required shareholder approval and subsequent corporate-action notices confirm it.

Source: FY2026 financial results announcement

Shariah Compliance Status

Clover Pakistan Limited was classified as Shariah-compliant in the PSX-KMI All Share Islamic Index screening effective June 5, 2026, using financial information as of December 31, 2025.

Screening measure	Reported ratio
Debt to total assets	0.00%
Non-compliant investments to total assets	0.00%
Non-compliant income to revenue	0.00%
Illiquid assets to total assets	69.01%

Sources:

• Official PSX Shariah screening notice
• CLOV screening details

These ratios relate to the stated screening period and may change at a subsequent review. Verify the latest official PSX eligible-scrip list before relying on the company's Shariah classification.

Important Regulatory Risk Warning

The PSX company profile displays a Risk Warning Alert (RWA) stating that the company is in continuous violation of specified PSX regulations and may face trading suspension or delisting, subject to the Exchange's rules and decisions.

This warning is material information and should remain visible in the profile while it is displayed by PSX. Check the latest PSX profile and regulatory announcements before publication to confirm whether the alert remains active and whether any relevant conditions have changed.

Source: PSX company profile and announcements — CLOV

What Investors Should Monitor

• Revenue quality: Review the contribution of petroleum-product sales, filling stations and transportation services.
• Profit margins: Revenue growth does not necessarily mean margins are improving. Compare gross profit, operating profit and net profit margins.
• Cash flow and working capital: Examine receivables, payables, inventory and operating cash generation.
• Business concentration: Assess dependence on particular products, suppliers, distribution channels and operating locations.
• Bonus-share approval: Follow the AGM outcome and official corporate-action announcements.
• Regulatory status: Monitor PSX notices relating to the Risk Warning Alert and any potential trading restrictions.
• Shariah screening: Confirm the latest official eligible-scrip list before making a Shariah-based investment decision.

Frequently Asked Questions

What is the PSX symbol of Clover Pakistan Limited?

Its ordinary shares trade under the symbol CLOV on the Pakistan Stock Exchange.

What are Clover Pakistan's current reported business activities?

The FY2026 annual report highlights petroleum-product sales, company-operated filling and service stations, and transportation services. The PSX profile continues to display the sector classification “Food & Personal Care Products.”

Is Clover Pakistan Limited Shariah-compliant?

It was classified as compliant in the PSX-KMI All Share Islamic Index screening effective June 5, 2026, based on accounts to December 31, 2025. Investors should verify the latest official screening before investing.

Did Clover Pakistan make a profit in FY2026?

Yes. It reported profit after tax of approximately Rs.315.75 million and earnings per share of Rs.0.81 for FY2026.

Did Clover Pakistan announce bonus shares?

The board recommended a 15% bonus issue for FY2026 and no cash dividend. Check the AGM outcome and official PSX announcements to confirm approval and implementation.

Does CLOV have a PSX regulatory warning?

Yes. Its PSX company profile displays a Risk Warning Alert concerning regulatory violations and possible suspension or delisting. Check the latest Exchange announcements for the current status.

Disclaimer

This profile is for educational and informational purposes only. It is not a recommendation to buy or sell CLOV shares and does not guarantee returns. Financial results, corporate actions, regulatory status and Shariah classifications can change. Consult the latest official PSX disclosures, company reports and Shariah screening information before making an investment decision.