ScoreWhy is MCB Bank Ltd. ?
1
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0%
2
Flat results in Mar 25
- NET SALES(Q) Lowest at PKR 79,512.57
3
With ROE of 21.7, it has a very attractive valuation with a 1.1 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 fallen by -3%
- At the current price, the company has a high dividend yield of 12.8
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to MCB Bank Ltd. should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is MCB Bank Ltd. for you?
Low Risk, Low Return
Absolute
Risk Adjusted
Volatility
MCB Bank Ltd.
32.02%
1.28
32.63%
Pakistan KSE 100 Share
60.28%
2.81
22.77%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
22.80%
EBIT Growth (5y)
25.72%
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
67.48%
Pledged Shares
0
Institutional Holding
0.00%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
7
Industry P/E
Price to Book Value
1.42
EV to EBIT
7.82
EV to EBITDA
7.36
EV to Capital Employed
1.16
EV to Sales
2.27
PEG Ratio
NA
Dividend Yield
9.79%
ROCE (Latest)
14.82%
ROE (Latest)
20.65%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend5What is working for the Company
OPERATING CASH FLOW(Y)
Highest at PKR 450,644.85 MM
GROSS NPA (%)
(Q
-3What is not working for the Company
NET SALES(Q)
Fallen at -22.31%
Here's what is working for MCB Bank Ltd.
Non Performing Loans (%)
Lowest at 5.69%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Operating Cash Flow
Highest at PKR 450,644.85 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (PKR MM)
Depreciation
Highest at PKR 2,207.76 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 MCB Bank Ltd.
Net Sales
Fallen at -22.31%
Year on Year (YoY)MOJO Watch
Near term sales trend is negative
Net Sales (PKR MM)
Capital Adequacy Ratio
Lowest at 14.52%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
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