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| Metrics | Range | Conclusion |
|---|---|---|
| Selected LTM Pb Multiple | 0.4x - 0.5x | 0.4x |
| Historical Pb Multiple | 0.3x - 0.4x | 0.3x |
| Fair Value | ₨12.71 - ₨14.05 | ₨13.38 |
| Upside | -15.6% - -6.7% | -11.1% |
| Benchmarks | - | Full Ticker |
| Samba Bank Limited | - | KASE:SBL |
| Bank Makramah Limited | - | KASE:BML |
| Apna Microfinance Bank Limited | - | KASE:AMBL |
| The Bank of Khyber | - | KASE:BOK |
| Allied Bank Limited | - | KASE:ABL |
| JS Bank Limited | - | KASE:JSBL |
| Select Price / Book Ratio | ||||||||
| Benchmark Companies | ||||||||
| SBL | BML | AMBL | BOK | ABL | JSBL | |||
| KASE:SBL | KASE:BML | KASE:AMBL | KASE:BOK | KASE:ABL | KASE:JSBL | |||
| Historical Net Income Growth | ||||||||
| 5Y CAGR | 0.4% | NM- | NM- | 22.6% | 25.1% | NM- | ||
| 3Y CAGR | -3.9% | NM- | NM- | 48.5% | 36.4% | 105.1% | ||
| Latest Twelve Months | -61.4% | 39.4% | 1.5% | 34.1% | -8.8% | -22.2% | ||
| Historical Net Income Profit Margin | ||||||||
| 5 Year Average Margin | 11.8% | -523.0% | 0.8% | 18.9% | 28.4% | 11.7% | ||
| Prior Fiscal Year | 17.6% | 2327.3% | 277.1% | 22.8% | 30.5% | 20.3% | ||
| Latest Fiscal Year | 9.7% | -608.3% | 359.4% | 19.3% | 29.9% | 12.5% | ||
| Latest Twelve Months | 7.4% | -60.8% | 448.7% | 21.2% | 28.3% | 11.1% | ||
| Return on Equity | ||||||||
| 5 Year Average Margin | 4.5% | NA | -1722.8% | 12.2% | 18.5% | 12.4% | ||
| Prior Fiscal Year | 8.0% | NM | NM | 19.0% | 25.2% | 25.8% | ||
| Latest Twelve Months | 3.0% | NM | NM | 23.1% | 18.2% | 16.2% | ||
| Next Fiscal Year | #NUM! | #NUM! | #NUM! | #NUM! | 11.0% | #NUM! | ||
| Two Fiscal Years Forward | 4.1% | 25.0% | 0.0% | 20.2% | 9.4% | 28.7% | ||
| Current Trading Multiples | ||||||||
| Price / LTM Sales | 1.4x | 6.6x | -7.6x | 1.0x | 1.5x | 0.4x | ||
| Price / LTM EPS | 18.7x | -10.9x | -1.7x | 4.7x | 5.2x | 3.3x | ||
| Price / Book | 0.6x | -1.8x | -0.5x | 1.0x | 0.9x | 0.5x | ||
| Price / Fwd Book | 0.6x | -1.8x | -0.5x | 1.0x | 0.9x | 0.5x | ||
| Low | Mid | High | ||||||
| Benchmark P/B Ratio | -1.8x | 0.6x | 1.0x | |||||
| Historical P/B Ratio | 0.3x | 0.3x | 0.4x | |||||
| Selected P/B Multiple | 0.4x | 0.4x | 0.5x | |||||
| (x) Book Value | 63,203 | 63,203 | 63,203 | |||||
| Equity Value | |||||||
| Benchmark Companies | |||||||
| (in millions) | SBL | BML | AMBL | BOK | ABL | JSBL | |
| Value of Common Equity | 9,477 | 33,177 | 4,792 | 20,810 | 214,003 | 30,883 | |
| (/) Shares Outstanding | 1,008.2 | 6,622.2 | 429.0 | 1,158.1 | 1,145.1 | 2,050.7 | |
| Implied Stock Price | 9.40 | 5.01 | 11.17 | 17.97 | 186.89 | 15.06 | |
| FX Conversion Rate to Trading Currency | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | |
| Implied Stock Price (Trading Cur) | 9.40 | 5.01 | 11.17 | 17.97 | 186.89 | 15.06 | |
| 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 | |