ScoreWhy is BankIslami Pakistan Ltd. ?
1
Efficient Cost Management with a low Cost to Income Ratio of 44.30%
2
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0%
3
Flat results in Mar 25
- NET SALES(Q) Lowest at PKR 19,691.47
- NII(Q) Lowest at PKR 9,257.08 MM
- OPERATING PROFIT(Q) Lowest at PKR 3,325.15
4
With ROE of 26.1, it has a expensive valuation with a 0.6 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 12% ; the PEG ratio of the company is 0.2
- At the current price, the company has a high dividend yield of 11.8
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 Major Banks)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is BankIslami Pakistan Ltd. for you?
Medium Risk, Low Return
Absolute
Risk Adjusted
Volatility
BankIslami Pakistan Ltd.
31.66%
0.37
36.93%
Pakistan KSE 100 Share
60.28%
2.81
22.77%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
36.70%
EBIT Growth (5y)
102.46%
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
25.77%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
4
Industry P/E
Price to Book Value
0.92
EV to EBIT
1.70
EV to EBITDA
1.50
EV to Capital Employed
0.91
EV to Sales
0.36
PEG Ratio
0.33
Dividend Yield
6.86%
ROCE (Latest)
53.49%
ROE (Latest)
24.47%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
Mildly Bearish
OBV
Mildly Bullish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend6What is working for the Company
OPERATING CASH FLOW(Y)
Highest at PKR 27,151.5 MM
GROSS NPA (%)
(Q
CASH AND EQV(HY)
Highest at PKR 89,347.55 MM
-9What is not working for the Company
NET SALES(Q)
Lowest at PKR 19,691.47 MM
NII(Q)
Lowest at PKR 9,257.08 MM
OPERATING PROFIT(Q)
Lowest at PKR 3,325.15 MM
OPERATING PROFIT MARGIN(Q)
Lowest at 16.89 %
PRE-TAX PROFIT(Q)
Lowest at PKR 5,444.66 MM
Here's what is working for BankIslami Pakistan Ltd.
Operating Cash Flow
Highest at PKR 27,151.5 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (PKR MM)
Non Performing Loans (%)
Lowest at 7.15%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Cash and Eqv
Highest at PKR 89,347.55 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Depreciation
Highest at PKR 938.55 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (PKR MM)
Here's what is not working for BankIslami Pakistan Ltd.
Net Sales
Lowest at PKR 19,691.47 MM and Fallen
In each period in the last five periodsMOJO Watch
Near term sales trend is very negative
Net Sales (PKR MM)
Net Sales
At PKR 19,691.47 MM has Fallen at -33.81%
Year on Year (YoY)MOJO Watch
Near term sales trend is very negative
Net Sales (PKR MM)
NII
Lowest at PKR 9,257.08 MM
in the last five periodsMOJO Watch
The bank's income from core business is falling
NII (PKR MM)
Operating Profit
Lowest at PKR 3,325.15 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (PKR MM)
Operating Profit Margin
Lowest at 16.89 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at PKR 5,444.66 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (PKR MM)
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