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
26.26%
2.81
22.77%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
23.70%
EBIT Growth (5y)
53.61%
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
50.78%
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
Bearish
Mildly Bearish
RSI
Bullish
No Signal
Bollinger Bands
Mildly Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Bullish
Dow Theory
No Trend
Mildly Bearish
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend2What is working for the Company
DIVIDEND PAYOUT RATIO(Y)
Highest at 149.86%
CASH AND EQV(HY)
Highest at PKR 113,774.33 MM
-23What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at PKR 12,297.34 MM
NET SALES(Q)
At PKR 18,234.78 MM has Fallen at -32.05%
OPERATING PROFIT(Q)
Lowest at PKR -12,037.87 MM
OPERATING PROFIT MARGIN(Q)
Lowest at -66.02 %
PRE-TAX PROFIT(Q)
Fallen at -56.51%
NET PROFIT(Q)
Fallen at -55.39%
Here's what is working for BankIslami Pakistan Ltd.
Cash and Eqv
Highest at PKR 113,774.33 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Dividend Payout Ratio
Highest at 149.86%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Depreciation
Highest at PKR 1,585.48 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (PKR MM)
Depreciation
At PKR 1,585.48 MM has Grown at 44.82%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (PKR MM)
Here's what is not working for BankIslami Pakistan Ltd.
Net Sales
At PKR 18,234.78 MM has Fallen at -32.05%
Year on Year (YoY)MOJO Watch
Near term sales trend is very negative
Net Sales (PKR MM)
Operating Profit
Lowest at PKR -12,037.87 MM and Fallen
In each period in the last five periodsMOJO Watch
Near term Operating Profit trend is quite negative
Operating Profit (PKR MM)
Operating Profit Margin
Lowest at -66.02 % and Fallen
In each period in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Operating Cash Flow
Lowest at PKR 12,297.34 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (PKR MM)
Pre-Tax Profit
Fallen at -56.51%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (PKR MM)
Net Profit
Fallen at -55.39%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is negative
Net Profit (PKR MM)
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