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
60.28%
2.81
22.77%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
23.90%
EBIT Growth (5y)
41.26%
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
56.05%
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
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
No Trend
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend7What is working for the Company
OPERATING CASH FLOW(Y)
Highest at PKR 100,220.98 MM
NII(Q)
Highest at PKR 7,288.62 MM
CASH AND EQV(HY)
Highest at PKR 102,516.21 MM
OPERATING PROFIT MARGIN(Q)
Highest at 14.51 %
-6What is not working for the Company
NET PROFIT(9M)
At PKR 3,738.4 MM has Grown at -30.16%
NET SALES(Q)
Lowest at PKR 22,279.84 MM
EPS(Q)
Lowest at PKR 1.04
Here's what is working for Soneri Bank Ltd.
Operating Cash Flow
Highest at PKR 100,220.98 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (PKR MM)
NII
Highest at PKR 7,288.62 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (PKR MM)
Operating Profit Margin
Highest at 14.51 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Cash and Eqv
Highest at PKR 102,516.21 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Depreciation
At PKR 746.17 MM has Grown at inf%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (PKR MM)
Here's what is not working for Soneri Bank Ltd.
Net Sales
At PKR 22,279.84 MM has Fallen at -21.97%
over average net sales of the previous four periods of PKR 28,552.13 MMMOJO Watch
Near term sales trend is very negative
Net Sales (PKR MM)
Net Profit
At PKR 3,738.4 MM has Grown at -30.16%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is negative
Net Profit (PKR MM)
Net Sales
Lowest at PKR 22,279.84 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (PKR MM)
EPS
Lowest at PKR 1.04
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (PKR)
Capital Adequacy Ratio
Lowest at 12.15%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
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