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JS Bank Ltd.

  • Market Cap: Mid Cap
  • Industry: Regional Banks
  • ISIN: PK0088201014
PKR
9.96
0.08 (0.81%)

Jun 13

KAR

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  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-recommendationScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy

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Comparison
Company
Score
Quality
Valuation
Financial
Technical
Askari Bank Ltd.
National Bank of Pakistan
Habib Metropolitan Bank Ltd.
Jahangir Siddiqui & Co. Ltd.
Allied Bank Ltd.
Samba Bank Ltd.
The Bank of Punjab
BankIslami Pakistan Ltd.
JS Bank Ltd.
Bank Makramah Ltd.
Silkbank Ltd.
Why is JS Bank Ltd. ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 12.17% signifying inadequate buffers against its risk based assets
  • Poor long term growth as Net profit has grown by an annual rate of 113.20%
  • Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 12.17% signifying inadequate buffers against its risk based assets
  • The bank has been able to generate a Return on Assets (avg) of 0.32% signifying low profitability per unit of total assets
2
Negative results in Mar 25
  • NET PROFIT(HY) At PKR 2,537.11 MM has Grown at -59.8%
  • GROSS NPA (%)(Q) Highest at 16.69%
  • NII(Q) Lowest at PKR 16,893.49 MM
3
With ROE of 16.3, it has a expensive valuation with a 0.3 Price to Book Value
  • Over the past year, while the stock has generated a return of 0%, its profits have risen by 9% ; the PEG ratio of the company is 0.2
stock-recommendationReal-Time Research Report
Verdict Report
How much should you sell?
  1. 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 JS Bank Ltd. for you?

High Risk, Low Return

Absolute
Risk Adjusted
Volatility
JS Bank Ltd.
-100.0%
0.36
45.49%
Pakistan KSE 100 Share
60.28%
2.81
22.77%
stock-recommendationQuality
stock-summaryManagement Risk
stock-summaryGrowth
stock-summaryCapital Structure
stock-recommendation
Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors
Factor
Value
Sales Growth (5y)
29.51%
EBIT Growth (5y)
40.14%
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
0
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
stock-recommendationValuation
Valuation Scorecard stock-summary
stock-recommendation
Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors stock-summary
Factor
Value
P/E Ratio
5
Industry P/E
Price to Book Value
0.70
EV to EBIT
3.80
EV to EBITDA
3.49
EV to Capital Employed
0.80
EV to Sales
0.43
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
21.11%
ROE (Latest)
14.20%
stock-recommendationTechnicals
Technical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bearish
Mildly Bearish
stock-recommendation Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
Technical Movement
Analyse All Technical Factors stock-recommendation
stock-recommendationFinancial Trend
Financial Trend Scorecard stock-summary
stock-recommendation
Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

4What is working for the Company
OPERATING CASH FLOW(Y)

Highest at PKR 84,960.42 MM

CASH AND EQV(HY)

Highest at PKR 176,418.86 MM

-11What is not working for the Company
NET PROFIT(HY)

At PKR 2,537.11 MM has Grown at -59.8%

GROSS NPA (%)

(Q

NII(Q)

Lowest at PKR 16,893.49 MM

NET SALES(Q)

Lowest at PKR 41,255.13 MM

Here's what is working for JS Bank Ltd.
Operating Cash Flow
Highest at PKR 84,960.42 MM and Grown
In each year in the last three years
MOJO Watch
The company has generated higher cash revenues from business operations

Operating Cash Flows (PKR MM)

Cash and Eqv
Highest at PKR 176,418.86 MM
in the last six Semi-Annual periods
MOJO Watch
Short Term liquidity is improving

Cash and Cash Equivalents

Depreciation
Highest at PKR 1,867.54 MM
in the last five periods
MOJO Watch
The expenditure on assets done by the company may have gone into operation

Depreciation (PKR MM)

CASA
Highest at 14.16%
in the last five periods
MOJO 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 (%)

Here's what is not working for JS Bank Ltd.
Non Performing Loans (%)
Highest at 16.69%
in the last four Semi-Annual periods
MOJO Watch
Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

NII
Lowest at PKR 16,893.49 MM
in the last five periods
MOJO Watch
The bank's income from core business is falling

NII (PKR MM)

Net Profit
At PKR 2,537.11 MM has Grown at -59.8%
Year on Year (YoY)
MOJO Watch
Near term Net Profit trend is negative

Net Profit (PKR MM)

Net Sales
Lowest at PKR 41,255.13 MM
in the last five periods
MOJO Watch
Near term sales trend is negative

Net Sales (PKR MM)

Net Sales
Fallen at -26.73%
Year on Year (YoY)
MOJO Watch
Near term sales trend is negative

Net Sales (PKR MM)

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