ScoreWhy 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
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 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.
7.44%
0.36
45.49%
Pakistan KSE 100 Share
26.26%
2.81
22.77%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
27.57%
EBIT Growth (5y)
32.35%
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
ValuationValuation Key Factors 
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%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Bullish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend0What is working for the Company
NO KEY POSITIVE TRIGGERS
-23What is not working for the Company
NET SALES(Q)
Lowest at PKR 33,994.14 MM
NII(Q)
Lowest at PKR 14,453.3 MM
CREDIT DEPOSIT RATIO(HY)
Lowest at 46.56%
OPERATING PROFIT(Q)
Lowest at PKR 1,219.8 MM
OPERATING PROFIT MARGIN(Q)
Lowest at 3.59 %
PRE-TAX PROFIT(Q)
Lowest at PKR 3,127.78 MM
NET PROFIT(Q)
Fallen at -75.86%
Here's what is working for JS Bank Ltd.
Depreciation
Highest at PKR 2,060.98 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 JS Bank Ltd.
Net Sales
Lowest at PKR 33,994.14 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 33,994.14 MM has Fallen at -40.37%
Year on Year (YoY)MOJO Watch
Near term sales trend is very negative
Net Sales (PKR MM)
NII
Lowest at PKR 14,453.3 MM
in the last five periodsMOJO Watch
The bank's income from core business is falling
NII (PKR MM)
Operating Profit
Lowest at PKR 1,219.8 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (PKR MM)
Operating Profit Margin
Lowest at 3.59 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at PKR 3,127.78 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (PKR MM)
Pre-Tax Profit
Fallen at -50.76%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (PKR MM)
Net Profit
Fallen at -75.86%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is negative
Net Profit (PKR MM)
Credit Deposit Ratio
Lowest at 46.56%
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
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