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| Metrics | Range | Conclusion |
|---|---|---|
| Selected LTM P/E Multiple | 5.1x - 5.6x | 5.4x |
| Selected Fwd P/E Multiple | 5.5x - 6.1x | 5.8x |
| Fair Value | ₨261.18 - ₨288.67 | ₨274.92 |
| Upside | -24.2% - -16.3% | -20.2% |
| Benchmarks | - | Full Ticker |
| Bank Alfalah Limited | - | KASE:BAFL |
| Bank AL Habib Limited | - | KASE:BAHL |
| United Bank Limited | - | KASE:UBL |
| Allied Bank Limited | - | KASE:ABL |
| Habib Metropolitan Bank Limited | - | KASE:HMB |
| MCB Bank Limited | - | KASE:MCB |
| - | - | - |
| Select Price / LTM EPS Ratio | ||||||||
| Benchmark Companies | ||||||||
| BAFL | BAHL | UBL | ABL | HMB | MCB | |||
| KASE:BAFL | KASE:BAHL | KASE:UBL | KASE:ABL | KASE:HMB | KASE:MCB | |||
| Historical Net Income Growth | ||||||||
| 5Y CAGR | 25.0% | 30.2% | 29.6% | 25.1% | 30.3% | 21.5% | ||
| 3Y CAGR | 40.3% | 31.1% | 34.5% | 36.4% | 22.7% | 26.6% | ||
| Latest Twelve Months | 3.6% | 19.2% | 85.6% | -8.8% | 1.2% | -13.0% | ||
| Historical Net Income Profit Margin | ||||||||
| 5 Year Average Margin | 23.3% | 25.3% | 28.9% | 28.4% | 31.8% | 31.8% | ||
| Prior Fiscal Year | 25.0% | 24.9% | 30.0% | 30.5% | 29.4% | 32.6% | ||
| Latest Fiscal Year | 23.1% | 24.6% | 30.4% | 29.9% | 27.9% | 31.0% | ||
| Latest Twelve Months | 21.0% | 24.1% | 30.3% | 28.3% | 27.0% | 29.4% | ||
| Current Trading Multiples | ||||||||
| EV / LTM EBITDA | NA | NA | NA | NA | NA | NA | ||
| Price / LTM Sales | 0.8x | 1.1x | 2.4x | 1.3x | 1.3x | 2.0x | ||
| LTM P/E Ratio | 3.9x | 4.4x | 7.9x | 4.6x | 4.8x | 6.8x | ||
| Low | Mid | High | ||||||
| Benchmark LTM P/E Ratio | 3.9x | 4.6x | 7.9x | |||||
| Historical LTM P/E Ratio | 3.3x | 4.8x | 7.1x | |||||
| Selected P/E Multiple | 5.1x | 5.4x | 5.6x | |||||
| (x) LTM Net Income | 60,057 | 60,057 | 60,057 | |||||
| (=) Equity Value | 306,996 | 323,153 | 339,311 | |||||
| (/) Shares Outstanding | 1,185.1 | 1,185.1 | 1,185.1 | |||||
| Implied Value Range | 259.05 | 272.69 | 286.32 | |||||
| FX Rate: PKR/PKR | 1.0 | 1.0 | 1.0 | Market Price | ||||
| Implied Value Range (Trading Cur) | 259.05 | 272.69 | 286.32 | 344.72 | ||||
| Upside / (Downside) | -24.9% | -20.9% | -16.9% | |||||
| Equity Value | |||||||
| Benchmark Companies | |||||||
| (in millions) | BAFL | BAHL | UBL | ABL | HMB | MCB | |
| Value of Common Equity | 144,405 | 184,508 | 855,726 | 188,067 | 121,129 | 408,514 | |
| (/) Shares Outstanding | 1,577.2 | 1,111.4 | 2,504.2 | 1,145.1 | 1,047.8 | 1,185.1 | |
| Implied Stock Price | 91.56 | 166.01 | 341.71 | 164.24 | 115.60 | 344.72 | |
| FX Conversion Rate to Trading Currency | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | |
| Implied Stock Price (Trading Cur) | 91.56 | 166.01 | 341.71 | 164.24 | 115.60 | 344.72 | |
| 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 | |