ScoreWhy is Samba Bank Ltd. ?
1
Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 0.40%
2
With a fall in Interest of NAN%, the company declared Very Negative results in Mar 25
- The company has declared negative results for the last 3 consecutive quarters
- The company has declared negative results in Sep 24 after 5 consecutive negative quarters
- OPERATING CASH FLOW(Y) Lowest at PKR 1,380.86 MM
- NET SALES(Q) Lowest at PKR 5,548.19
- GROSS NPA (%)(Q) Highest at 29.5%
3
With ROE of 4, it has a expensive valuation with a 0.6 Price to Book Value
- Over the past year, while the stock has generated a return of 0%, its profits have fallen by -43%
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 Major Banks)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is Samba Bank Ltd. for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
Samba Bank Ltd.
-9.27%
-0.10
62.66%
Pakistan KSE 100 Share
26.26%
2.81
22.77%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
10.20%
EBIT Growth (5y)
-13.85%
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
17
Industry P/E
Price to Book Value
0.67
EV to EBIT
57.36
EV to EBITDA
36.25
EV to Capital Employed
0.92
EV to Sales
2.21
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
1.60%
ROE (Latest)
3.97%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend16What is working for the Company
PRE-TAX PROFIT(Q)
At PKR 530.7 MM has Grown at 1,098.18%
NET PROFIT(Q)
At PKR 254.84 MM has Grown at 478.9%
CASH AND EQV(HY)
Highest at PKR 20,036.27 MM
-11What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at PKR 1,591.04 MM
NII(Q)
Lowest at PKR 1,307.65 MM
NET SALES(9M)
At PKR 16,623.6 MM has Grown at -21.57%
CREDIT DEPOSIT RATIO(HY)
Lowest at 52.23%
OPERATING PROFIT(Q)
Lowest at PKR -2,175.3 MM
OPERATING PROFIT MARGIN(Q)
Lowest at -39.27 %
Here's what is working for Samba Bank Ltd.
Pre-Tax Profit
At PKR 530.7 MM has Grown at 1,098.18%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (PKR MM)
Net Profit
At PKR 254.84 MM has Grown at 478.9%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very positive
Net Profit (PKR MM)
Cash and Eqv
Highest at PKR 20,036.27 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 Samba Bank Ltd.
NII
Lowest at PKR 1,307.65 MM and Fallen
In each period in the last five periodsMOJO Watch
The bank's income from core business is falling
NII (PKR MM)
Operating Cash Flow
Lowest at PKR 1,591.04 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
At PKR 16,623.6 MM has Grown at -21.57%
Year on Year (YoY)MOJO Watch
Near term sales trend is negative
Net Sales (PKR MM)
Operating Profit
Lowest at PKR -2,175.3 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (PKR MM)
Operating Profit Margin
Lowest at -39.27 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Credit Deposit Ratio
Lowest at 52.23%
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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