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 hold?
- Overall Portfolio exposure to Bank of Khyber should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Bank of Khyber for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
Bank of Khyber
29.83%
0.91
49.70%
Pakistan KSE 100 Share
60.28%
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
Bearish
Bollinger Bands
Bullish
Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend13What is working for the Company
NII(Q)
Highest at PKR 5,105.61 MM
OPERATING CASH FLOW(Y)
Highest at PKR 55,371.05 MM
ROCE(HY)
Highest at 1.04%
OPERATING PROFIT(Q)
Highest at PKR 2,823.45 MM
OPERATING PROFIT MARGIN(Q)
Highest at 20.91 %
PRE-TAX PROFIT(Q)
Highest at PKR 3,395.8 MM
NET PROFIT(Q)
Highest at PKR 1,600.59 MM
EPS(Q)
Highest at PKR 1.38
-9What is not working for the Company
ROCE(HY)
Lowest at 1.04%
CREDIT DEPOSIT RATIO(HY)
Lowest at 26.25%
NET SALES(Q)
Lowest at PKR 13,500.28 MM
GROSS NPA (%)
(Q
Here's what is working for Bank of Khyber
NII
Highest at PKR 5,105.61 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA (%)
Operating Cash Flow
Highest at PKR 55,371.05 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (PKR MM)
Operating Profit
Highest at PKR 2,823.45 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (PKR MM)
Operating Profit Margin
Highest at 20.91 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at PKR 3,395.8 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 1,600.59 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (PKR MM)
EPS
Highest at PKR 1.38
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (PKR)
Here's what is not working for Bank of Khyber
Net Sales
Lowest at PKR 13,500.28 MM and Fallen
In each period in the last five periodsMOJO Watch
Near term sales trend is very negative
Net Sales (PKR MM)
Non Performing Loans (%)
Highest at 29.83%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Credit Deposit Ratio
Lowest at 26.25% and Fallen
In each half year 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 (%)
Net Sales
At PKR 13,500.28 MM has Fallen at -17.21%
over average net sales of the previous four periods of PKR 16,305.83 MMMOJO Watch
Near term sales trend is negative
Net Sales (PKR MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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