ScoreWhy is National Bank of Pakistan ?
1
Poor long term growth as Net profit has grown by an annual rate of 9.40%
2
Flat results in Mar 25
- NET PROFIT(9M) At PKR 19,550.73 MM has Grown at -45.61%
- NET SALES(Q) Lowest at PKR 215,001.64
3
With ROE of 5.8, it has a expensive valuation with a 0.5 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 -51%
- At the current price, the company has a high dividend yield of 7.5
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to National Bank of Pakistan 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 National Bank of Pakistan for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
National Bank of Pakistan
176.89%
3.61
52.06%
Pakistan KSE 100 Share
60.28%
2.81
22.77%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
35.20%
EBIT Growth (5y)
15.32%
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
65.50%
Pledged Shares
0
Institutional Holding
0.01%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
17
Industry P/E
Price to Book Value
0.90
EV to EBIT
41.82
EV to EBITDA
37.58
EV to Capital Employed
0.98
EV to Sales
1.88
PEG Ratio
NA
Dividend Yield
3.83%
ROCE (Latest)
2.34%
ROE (Latest)
5.27%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Bullish
Bullish
OBV
Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend9What is working for the Company
NII(Q)
Highest at PKR 71,499.38 MM
OPERATING PROFIT(Q)
Highest at PKR 46,738.3 MM
OPERATING PROFIT MARGIN(Q)
Highest at 21.74 %
PRE-TAX PROFIT(Q)
Highest at PKR 47,570.29 MM
NET PROFIT(Q)
At PKR 22,120.69 MM has Grown at 126.55%
-5What is not working for the Company
NET PROFIT(9M)
At PKR 19,550.73 MM has Grown at -45.61%
NET SALES(Q)
Lowest at PKR 215,001.64 MM
Here's what is working for National Bank of Pakistan
NII
Highest at PKR 71,499.38 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (PKR MM)
Operating Profit
Highest at PKR 46,738.3 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (PKR MM)
Operating Profit Margin
Highest at 21.74 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at PKR 47,570.29 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (PKR MM)
Pre-Tax Profit
At PKR 47,570.29 MM has Grown at 133.78%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (PKR MM)
Net Profit
At PKR 22,120.69 MM has Grown at 126.55%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (PKR MM)
Depreciation
Highest at PKR 1,684.72 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (PKR MM)
CASA
Highest at 21.25%
in the last five periodsMOJO 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 National Bank of Pakistan
Net Sales
Lowest at PKR 215,001.64 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (PKR MM)
Net Sales
Fallen at -22.34%
Year on Year (YoY)MOJO Watch
Near term sales trend is negative
Net Sales (PKR MM)
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