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
26.26%
2.81
22.77%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
17.70%
EBIT Growth (5y)
20.61%
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
73.03%
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
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
Bullish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend4What is working for the Company
NII(Q)
Highest at PKR 42,776.05 MM
CASH AND EQV(HY)
Highest at PKR 423,039.96 MM
-5What is not working for the Company
NET SALES(9M)
At PKR 252,445.47 MM has Grown at -19.87%
CREDIT DEPOSIT RATIO(HY)
Lowest at 38.05%
OPERATING PROFIT(Q)
Lowest at PKR -8,394.3 MM
OPERATING PROFIT MARGIN(Q)
Lowest at -9.89 %
Here's what is working for MCB Bank Ltd.
NII
Highest at PKR 42,776.05 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Cash and Eqv
Highest at PKR 423,039.96 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Here's what is not working for MCB Bank Ltd.
Net Sales
At PKR 252,445.47 MM has Grown at -19.87%
Year on Year (YoY)MOJO Watch
Near term sales trend is negative
Net Sales (PKR MM)
Operating Profit
Lowest at PKR -8,394.3 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (PKR MM)
Operating Profit Margin
Lowest at -9.89 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Credit Deposit Ratio
Lowest at 38.05%
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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