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| Metrics | Range | Conclusion |
|---|---|---|
| Selected LTM Ps Multiple | 0.9x - 1.0x | 0.9x |
| Selected Fwd Ps Multiple | 1.2x - 1.3x | 1.2x |
| Fair Value | ₨113.13 - ₨125.04 | ₨119.09 |
| Upside | -15.6% - -6.7% | -11.1% |
| Benchmarks | Ticker | Full Ticker |
|---|---|---|
| Bank AL Habib Limited | - | KASE:BAHL |
| Habib Bank Limited | - | KASE:HBL |
| United Bank Limited | - | KASE:UBL |
| MCB Bank Limited | - | KASE:MCB |
| Bank Alfalah Limited | - | KASE:BAFL |
| Allied Bank Limited | - | KASE:ABL |
| Select Price / LTM Sales Ratio | ||||||||
| Benchmark Companies | ||||||||
| BAHL | HBL | UBL | MCB | BAFL | ABL | |||
| KASE:BAHL | KASE:HBL | KASE:UBL | KASE:MCB | KASE:BAFL | KASE:ABL | |||
| Historical Sales Growth | ||||||||
| 5Y CAGR | 29.2% | 20.9% | 25.2% | 21.1% | 26.7% | 22.8% | ||
| 3Y CAGR | 34.7% | 25.5% | 34.6% | 29.4% | 41.5% | 33.0% | ||
| Latest Twelve Months | 18.0% | 10.2% | 32.8% | 2.3% | 17.8% | 9.5% | ||
| Historical Net Income Profit Margin | ||||||||
| 5 Year Average Margin | 25.3% | 19.5% | 28.3% | 31.9% | 23.5% | 28.4% | ||
| Prior Fiscal Year | 24.9% | 20.1% | 30.0% | 32.6% | 25.0% | 30.5% | ||
| Latest Fiscal Year | 24.6% | 18.5% | 30.4% | 31.0% | 23.1% | 29.9% | ||
| Latest Twelve Months | 24.6% | 18.5% | 30.4% | 31.0% | 23.1% | 29.9% | ||
| Current Trading Multiples | ||||||||
| EV / LTM EBITDA | NA | NA | NA | NA | NA | NA | ||
| Price / LTM Sales | 0.9x | 0.7x | 2.3x | 1.6x | 0.7x | 1.0x | ||
| LTM P/E Ratio | 3.8x | 3.8x | 7.6x | 5.3x | 3.0x | 3.5x | ||
| Low | Mid | High | ||||||
| Benchmark LTM P/S Ratio | 0.7x | 0.9x | 2.3x | |||||
| Historical LTM P/S Ratio | 0.8x | 1.0x | 1.6x | |||||
| Selected Price / Sales Multiple | 0.9x | 0.9x | 1.0x | |||||
| (x) LTM Sales | 148,409 | 148,409 | 148,409 | |||||
| (=) Equity Value | 132,414 | 139,383 | 146,352 | |||||
| (/) Shares Outstanding | 1,145.1 | 1,145.1 | 1,145.1 | |||||
| Implied Value Range | 115.64 | 121.72 | 127.81 | |||||
| FX Rate: PKR/PKR | 1.0 | 1.0 | 1.0 | Market Price | ||||
| Implied Value Range (Trading Cur) | 115.64 | 121.72 | 127.81 | 134.01 | ||||
| Upside / (Downside) | -13.7% | -9.2% | -4.6% | |||||
| Equity Value | |||||||
| Benchmark Companies | |||||||
| (in millions) | BAHL | HBL | UBL | MCB | BAFL | ABL | |
| Value of Common Equity | 161,646 | 221,715 | 563,294 | 332,895 | 118,761 | 153,451 | |
| (/) Shares Outstanding | 1,111.4 | 1,466.9 | 1,224.2 | 1,185.1 | 1,577.2 | 1,145.1 | |
| Implied Stock Price | 145.44 | 151.15 | 460.14 | 280.91 | 75.30 | 134.01 | |
| FX Conversion Rate to Trading Currency | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | |
| Implied Stock Price (Trading Cur) | 145.44 | 151.15 | 460.14 | 280.91 | 75.30 | 134.01 | |
| Trading Currency | PKR | PKR | PKR | PKR | PKR | PKR | |
| FX Rate to Reporting Currency | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | |