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
26.26%
2.81
22.77%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
24.80%
EBIT Growth (5y)
32.60%
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
0.01%
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
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bearish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend13What is working for the Company
NET PROFIT(Q)
At PKR 21,552.9 MM has Grown at 601.82%
ROCE(HY)
Highest at 1.26%
PRE-TAX PROFIT(Q)
At PKR 46,415.72 MM has Grown at 209.64%
CASH AND EQV(HY)
Highest at PKR 831,195.49 MM
OPERATING PROFIT MARGIN(Q)
Highest at 22.3 %
EPS(Q)
Highest at PKR 10.82
-14What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at PKR 56,509.52 MM
ROCE(HY)
Lowest at 1.26%
NET SALES(Q)
Lowest at PKR 190,479.14 MM
CREDIT DEPOSIT RATIO(HY)
Lowest at 41.23%
Here's what is working for National Bank of Pakistan
Net Profit
At PKR 21,552.9 MM has Grown at 601.82%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very positive
Net Profit (PKR MM)
Pre-Tax Profit
At PKR 46,415.72 MM has Grown at 209.64%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (PKR MM)
Operating Profit Margin
Highest at 22.3 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
EPS
Highest at PKR 10.82
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (PKR)
Cash and Eqv
Highest at PKR 831,195.49 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Depreciation
Highest at PKR 1,966.96 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 21.37%
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
Operating Cash Flow
Lowest at PKR 56,509.52 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (PKR MM)
Net Sales
Lowest at PKR 190,479.14 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
Fallen at -30.04%
Year on Year (YoY)MOJO Watch
Near term sales trend is negative
Net Sales (PKR MM)
Credit Deposit Ratio
Lowest at 41.23%
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 (%)
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