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Bank Alfalah Ltd.

  • Market Cap: Large Cap
  • Industry: Regional Banks
  • ISIN: PK0078701015
PKR
76.68
-1.19 (-1.53%)

Jun 13

KAR

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  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-recommendationScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy

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Comparison
Company
Score
Quality
Valuation
Financial
Technical
United Bank Ltd.
Habib Metropolitan Bank Ltd.
Habib Bank Ltd.
Bank of Khyber
MCB Bank Ltd.
Meezan Bank Ltd.
Faysal Bank Ltd.
Bank Al Habib Ltd.
Bank Alfalah Ltd.
Soneri Bank Ltd.
Why is Bank Alfalah Ltd. ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 12.49% signifying inadequate buffers against its risk based assets
  • Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0%
  • Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 12.49% signifying inadequate buffers against its risk based assets
  • A high ratio signifies bank has weaker due diligence systems when giving out loans
2
Positive results in Mar 25
  • OPERATING CASH FLOW(Y) Highest at PKR 524,776.31 MM
  • NII(Q) Highest at PKR 34,121.67 MM
  • DIVIDEND PAYOUT RATIO(Y) Highest at 55.73%
3
With ROE of 21.9, it has a very attractive valuation with a 0.8 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 9% ; the PEG ratio of the company is 0.4
  • At the current price, the company has a high dividend yield of 11.6
stock-recommendationReal-Time Research Report
Verdict Report
How much should you sell?
  1. All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is Bank Alfalah Ltd. for you?

Medium Risk, Low Return

Absolute
Risk Adjusted
Volatility
Bank Alfalah Ltd.
25.83%
1.05
36.54%
Pakistan KSE 100 Share
60.28%
2.81
22.77%
stock-recommendationQuality
stock-summaryManagement Risk
stock-summaryGrowth
stock-summaryCapital Structure
stock-recommendation
Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors
Factor
Value
Sales Growth (5y)
40.50%
EBIT Growth (5y)
31.13%
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
33.64%
Pledged Shares
0
Institutional Holding
0.39%
ROCE (avg)
0
ROE (avg)
0
stock-recommendationValuation
Valuation Scorecard stock-summary
stock-recommendation
Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors stock-summary
Factor
Value
P/E Ratio
5
Industry P/E
Price to Book Value
1.05
EV to EBIT
9.78
EV to EBITDA
8.73
EV to Capital Employed
1.01
EV to Sales
1.44
PEG Ratio
0.55
Dividend Yield
8.43%
ROCE (Latest)
10.37%
ROE (Latest)
20.96%
stock-recommendationTechnicals
Technical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
No Trend
OBV
Mildly Bullish
Mildly Bearish
stock-recommendation Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
Technical Movement
Analyse All Technical Factors stock-recommendation
stock-recommendationFinancial Trend
Financial Trend Scorecard stock-summary
stock-recommendation
Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

5What is working for the Company
NII(Q)

Highest at PKR 34,911.64 MM

CASH AND EQV(HY)

Highest at PKR 435,299.58 MM

-11What is not working for the Company
OPERATING CASH FLOW(Y)

Lowest at PKR -238,348.64 MM

NET PROFIT(9M)

At PKR 19,727.22 MM has Grown at -35.92%

NET SALES(Q)

Lowest at PKR 93,829.71 MM

OPERATING PROFIT(Q)

Lowest at PKR 10,691.85 MM

Here's what is working for Bank Alfalah Ltd.
NII
Highest at PKR 34,911.64 MM
in the last five periods
MOJO Watch
The bank's income from core business is increasing

NII (PKR MM)

Cash and Eqv
Highest at PKR 435,299.58 MM
in the last six Semi-Annual periods
MOJO Watch
Short Term liquidity is improving

Cash and Cash Equivalents

Depreciation
Highest at PKR 2,728.91 MM
in the last five periods
MOJO Watch
The expenditure on assets done by the company may have gone into operation

Depreciation (PKR MM)

Here's what is not working for Bank Alfalah Ltd.
Net Profit
At PKR 19,727.22 MM has Grown at -35.92%
Year on Year (YoY)
MOJO Watch
Near term Net Profit trend is negative

Net Profit (PKR MM)

Operating Cash Flow
Lowest at PKR -238,348.64 MM
in the last three years
MOJO Watch
The company's cash revenues from business operations are falling

Operating Cash Flows (PKR MM)

Net Sales
Lowest at PKR 93,829.71 MM
in the last five periods
MOJO Watch
Near term sales trend is negative

Net Sales (PKR MM)

Net Sales
Fallen at -27.39%
Year on Year (YoY)
MOJO Watch
Near term sales trend is negative

Net Sales (PKR MM)

Operating Profit
Lowest at PKR 10,691.85 MM
in the last five periods
MOJO Watch
Near term Operating Profit trend is negative

Operating Profit (PKR MM)

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