ScoreWhy is Soneri Bank Ltd. ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 12.60% signifying inadequate buffers against its risk based assets
- Poor long term growth as Net profit has grown by an annual rate of 25.40%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 12.60% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.43% signifying low profitability per unit of total assets
2
Flat results in Mar 25
- NET PROFIT(9M) At PKR 3,738.4 MM has Grown at -30.16%
- NET SALES(Q) Lowest at PKR 22,279.84
- EPS(Q) Lowest at PKR 1.04 MM
3
With ROE of 20.2, it has a very expensive valuation with a 0.6 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 7.9
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 Regional Banks)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is Soneri Bank Ltd. for you?
Medium Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Soneri Bank Ltd.
56.49%
1.64
38.53%
Pakistan KSE 100 Share
26.26%
2.81
22.77%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
14.80%
EBIT Growth (5y)
28.20%
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
36.28%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
5
Industry P/E
Price to Book Value
0.97
EV to EBIT
14.75
EV to EBITDA
14.75
EV to Capital Employed
0.99
EV to Sales
1.57
PEG Ratio
NA
Dividend Yield
0.35%
ROCE (Latest)
6.74%
ROE (Latest)
17.87%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
Bullish
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Bullish
Dow Theory
No Trend
Mildly Bearish
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend1What is working for the Company
CASH AND EQV(HY)
Highest at PKR 122,077.67 MM
-15What is not working for the Company
DIVIDEND PAYOUT RATIO(Y)
Lowest at 131.88%
CREDIT DEPOSIT RATIO(HY)
Lowest at 35.54%
NET SALES(Q)
Lowest at PKR 19,988.14 MM
NII(Q)
Lowest at PKR 6,049.58 MM
OPERATING PROFIT(Q)
Lowest at PKR -10,195.16 MM
OPERATING PROFIT MARGIN(Q)
Lowest at -51.01 %
PRE-TAX PROFIT(Q)
Lowest at PKR 2,002 MM
Here's what is working for Soneri Bank Ltd.
Cash and Eqv
Highest at PKR 122,077.67 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 Soneri Bank Ltd.
Net Sales
Lowest at PKR 19,988.14 MM and Fallen
In each period in the last five periodsMOJO Watch
Near term sales trend is very negative
Net Sales (PKR MM)
NII
Lowest at PKR 6,049.58 MM
in the last five periodsMOJO Watch
The bank's income from core business is falling
NII (PKR MM)
Credit Deposit Ratio
Lowest at 35.54% and Fallen
In each half year 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 (%)
Dividend Payout Ratio
Lowest at 131.88% and Fallen
In each year in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
Operating Profit
Lowest at PKR -10,195.16 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (PKR MM)
Operating Profit Margin
Lowest at -51.01 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at PKR 2,002 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (PKR MM)
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