ScoreWhy is Bank of Khyber ?
1
Flat results in Mar 25
- ROCE(HY) Lowest at 1.04%
- CREDIT DEPOSIT RATIO(HY) Lowest at 26.25%
- NET SALES(Q) Lowest at PKR 13,500.28
2
With ROE of 17.6, it has a fair valuation with a 0.9 Price to Book Value
- Over the past year, while the stock has generated a return of 0%, its profits have risen by 4%
- At the current price, the company has a high dividend yield of 10.6
Real-Time Research ReportHow much should you sell?
- 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 of Khyber for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
Bank of Khyber
-100.0%
0.91
49.70%
Pakistan KSE 100 Share
26.26%
2.81
22.77%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
14.94%
EBIT Growth (5y)
17.44%
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
54.45%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
1.77
EV to EBIT
19.08
EV to EBITDA
15.13
EV to Capital Employed
1.17
EV to Sales
1.88
PEG Ratio
NA
Dividend Yield
8.57%
ROCE (Latest)
6.13%
ROE (Latest)
15.54%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
Mildly Bearish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend11What is working for the Company
OPERATING CASH FLOW(Y)
Highest at PKR 50,697.57 MM
ROCE(HY)
Highest at 1.38%
GROSS NPA (%)
(Q
NET PROFIT(9M)
Higher at PKR 4,968.82 MM
CASH AND EQV(HY)
Highest at PKR 56,693.75 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 43.2%
-3What is not working for the Company
ROCE(HY)
Lowest at 1.38%
Here's what is working for Bank of Khyber
Non Performing Loans (%)
Lowest at 15.33%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Net Profit
At PKR 4,968.82 MM has Grown at 91.07%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (PKR MM)
Operating Cash Flow
Highest at PKR 50,697.57 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (PKR MM)
Cash and Eqv
Highest at PKR 56,693.75 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Credit Deposit Ratio
Highest at 43.2%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Net Profit
Higher at PKR 4,968.82 MM
than preceding 12 month period ended Sep 2025MOJO Watch
In the nine month period the company has already crossed sales of the previous twelve months
Net Profit (PKR MM)
CASA
Highest at 20.34%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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