ScoreWhy is Faysal Bank Ltd. ?
1
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 31.80%
2
Flat results in Mar 25
- NII(Q) Lowest at PKR 16,390.39 MM
- NET SALES(Q) Lowest at PKR 42,142.49
- OPERATING PROFIT(Q) Lowest at PKR 10,338.95
3
With ROE of 22.2, 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 18% ; the PEG ratio of the company is 0.2
- At the current price, the company has a high dividend yield of 12.7
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Faysal Bank Ltd. 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 Faysal Bank Ltd. for you?
Medium Risk, Low Return
Absolute
Risk Adjusted
Volatility
Faysal Bank Ltd.
33.29%
1.03
39.63%
Pakistan KSE 100 Share
26.26%
2.81
22.77%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
24.30%
EBIT Growth (5y)
37.77%
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
43.90%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
6
Industry P/E
Price to Book Value
1.26
EV to EBIT
11.25
EV to EBITDA
9.97
EV to Capital Employed
1.06
EV to Sales
2.28
PEG Ratio
0.33
Dividend Yield
7.53%
ROCE (Latest)
9.41%
ROE (Latest)
21.27%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
Mildly Bearish
OBV
No Trend
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend5What is working for the Company
NII(Q)
Highest at PKR 21,140.85 MM
PRE-TAX PROFIT(Q)
Highest at PKR 14,564.31 MM
NET PROFIT(Q)
Highest at PKR 6,914.78 MM
EPS(Q)
Highest at PKR 4.55
-9What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at PKR -152,181.29 MM
NET SALES(HY)
At PKR 82,282.82 MM has Grown at -22.7%
CREDIT DEPOSIT RATIO(HY)
Lowest at 61.59%
OPERATING PROFIT(Q)
Lowest at PKR -14,603.17 MM
OPERATING PROFIT MARGIN(Q)
Lowest at -35.35 %
Here's what is working for Faysal Bank Ltd.
NII
Highest at PKR 21,140.85 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (PKR MM)
Pre-Tax Profit
Highest at PKR 14,564.31 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 6,914.78 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (PKR MM)
EPS
Highest at PKR 4.55
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (PKR)
Here's what is not working for Faysal Bank Ltd.
Net Sales
At PKR 82,282.82 MM has Grown at -22.7%
Year on Year (YoY)MOJO Watch
Near term sales trend is negative
Net Sales (PKR MM)
Operating Cash Flow
Lowest at PKR -152,181.29 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (PKR MM)
Operating Profit
Lowest at PKR -14,603.17 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (PKR MM)
Operating Profit Margin
Lowest at -35.35 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Credit Deposit Ratio
Lowest at 61.59%
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 (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
