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Metrics | Range | Conclusion |
---|---|---|
Selected LTM Ps Multiple | 12.0x - 13.2x | 12.6x |
Selected Fwd Ps Multiple | 19.4x - 21.5x | 20.5x |
Fair Value | ₨2.51 - ₨2.77 | ₨2.64 |
Upside | -51.6% - -46.5% | -49.0% |
Benchmarks | Ticker | Full Ticker |
---|---|---|
JS Bank Limited | - | KASE:JSBL |
Samba Bank Limited | - | KASE:SBL |
Apna Microfinance Bank Limited | - | KASE:AMBL |
National Bank of Pakistan | - | KASE:NBP |
Soneri Bank Limited | - | KASE:SNBL |
Bank Makramah Limited | - | KASE:BML |
Select Price / LTM Sales Ratio | ||||||||
Benchmark Companies | ||||||||
JSBL | SBL | AMBL | NBP | SNBL | BML | |||
KASE:JSBL | KASE:SBL | KASE:AMBL | KASE:NBP | KASE:SNBL | KASE:BML | |||
Historical Sales Growth | ||||||||
5Y CAGR | 47.7% | 13.4% | NM- | 19.6% | 23.1% | NM- | ||
3Y CAGR | 72.5% | 15.4% | NM- | 23.7% | 28.0% | 13.4% | ||
Latest Twelve Months | 38.3% | -7.5% | -14.4% | 35.0% | 10.8% | 236.9% | ||
Historical Net Income Profit Margin | ||||||||
5 Year Average Margin | 11.7% | 11.8% | 0.8% | 21.8% | 17.9% | -580.8% | ||
Prior Fiscal Year | 20.3% | 17.6% | 277.1% | 26.9% | 21.8% | 2327.3% | ||
Latest Fiscal Year | 12.5% | 9.7% | 359.4% | 11.0% | 18.3% | -608.3% | ||
Latest Twelve Months | 11.1% | 7.4% | 448.7% | 14.1% | 16.1% | -378.5% | ||
Current Trading Multiples | ||||||||
EV / LTM EBITDA | NA | NA | NA | NA | NA | NA | ||
Price / LTM Sales | 0.4x | 1.4x | -8.2x | 1.0x | 0.8x | 24.7x | ||
LTM P/E Ratio | 3.3x | 18.9x | -1.8x | 6.8x | 5.0x | -6.5x | ||
Low | Mid | High | ||||||
Benchmark LTM P/S Ratio | -8.2x | 0.8x | 1.4x | |||||
Historical LTM P/S Ratio | -18.4x | -1.0x | 12.7x | |||||
Selected Price / Sales Multiple | 12.0x | 12.6x | 13.2x | |||||
(x) LTM Sales | 1,387 | 1,387 | 1,387 | |||||
(=) Equity Value | 16,613 | 17,487 | 18,362 | |||||
(/) Shares Outstanding | 6,622.2 | 6,622.2 | 6,622.2 | |||||
Implied Value Range | 2.51 | 2.64 | 2.77 | |||||
FX Rate: PKR/PKR | 1.0 | 1.0 | 1.0 | Market Price | ||||
Implied Value Range (Trading Cur) | 2.51 | 2.64 | 2.77 | 5.18 | ||||
Upside / (Downside) | -51.6% | -49.0% | -46.5% |
Equity Value | |||||||
Benchmark Companies | |||||||
(in millions) | JSBL | SBL | AMBL | NBP | SNBL | BML | |
Value of Common Equity | 30,760 | 9,578 | 5,135 | 259,195 | 26,558 | 34,303 | |
(/) Shares Outstanding | 2,050.7 | 1,008.2 | 429.0 | 2,127.5 | 1,102.5 | 6,622.2 | |
Implied Stock Price | 15.00 | 9.50 | 11.97 | 121.83 | 24.09 | 5.18 | |
FX Conversion Rate to Trading Currency | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | |
Implied Stock Price (Trading Cur) | 15.00 | 9.50 | 11.97 | 121.83 | 24.09 | 5.18 | |
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 |