ScoreWhy is Allied Bank Ltd. ?
1
Efficient Cost Management with a low Cost to Income Ratio of 40.68%
2
The Bank has a high Capital Adequacy Ratio of 19.78% signifying high buffers against its risk based assets
3
Strong Long Term Fundamental Strength with Tier 1 Capital Adeqacy Ratio of 19.78%
4
Negative results in Mar 25
- CREDIT DEPOSIT RATIO(HY) Lowest at 43.8%
- NET SALES(Q) Lowest at PKR 72,534.92
- OPERATING PROFIT(Q) Lowest at PKR 16,111.69
5
With ROE of 18.3, it has a very attractive valuation with a 0.7 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 0%, its profits have risen by 7% ; the PEG ratio of the company is 0.5
- At the current price, the company has a high dividend yield of 11.6
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Allied Bank Ltd. should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Allied Bank Ltd. for you?
Low Risk, Low Return
Absolute
Risk Adjusted
Volatility
Allied Bank Ltd.
38.31%
1.37
31.44%
Pakistan KSE 100 Share
26.26%
2.81
22.77%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
21.70%
EBIT Growth (5y)
24.40%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
50.43%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
5
Industry P/E
Price to Book Value
0.94
EV to EBIT
11.49
EV to EBITDA
10.29
EV to Capital Employed
0.98
EV to Sales
2.38
PEG Ratio
0.71
Dividend Yield
7.76%
ROCE (Latest)
8.55%
ROE (Latest)
17.61%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
Bearish
Bollinger Bands
Mildly Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
No Trend
Mildly Bearish
OBV
Mildly Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend4What is working for the Company
CASH AND EQV(HY)
Highest at PKR 340,764.16 MM
PRE-TAX PROFIT(Q)
Highest at PKR 19,443.05 MM
NET PROFIT(Q)
Highest at PKR 9,521.57 MM
EPS(Q)
Highest at PKR 8.32
-5What is not working for the Company
NET SALES(9M)
At PKR 227,689.78 MM has Grown at -20%
CREDIT DEPOSIT RATIO(HY)
Lowest at 34.25%
OPERATING PROFIT(Q)
Lowest at PKR -6,976.04 MM
OPERATING PROFIT MARGIN(Q)
Lowest at -9.12 %
Here's what is working for Allied Bank Ltd.
Pre-Tax Profit
Highest at PKR 19,443.05 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (PKR MM)
Net Profit
Highest at PKR 9,521.57 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (PKR MM)
EPS
Highest at PKR 8.32
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (PKR)
Cash and Eqv
Highest at PKR 340,764.16 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Here's what is not working for Allied Bank Ltd.
Net Sales
At PKR 227,689.78 MM has Grown at -20%
Year on Year (YoY)MOJO Watch
Near term sales trend is negative
Net Sales (PKR MM)
Operating Profit
Lowest at PKR -6,976.04 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (PKR MM)
Operating Profit Margin
Lowest at -9.12 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Credit Deposit Ratio
Lowest at 34.25%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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