ScoreWhy is The Bank of Punjab ?
1
With a Operating Losses, the company has a Weak Long Term Fundamental Strength
- A high ratio signifies bank has weaker due diligence systems when giving out loans
2
Flat results in Mar 25
- OPERATING CASH FLOW(Y) Lowest at PKR -45,614.58 MM
- NET SALES(Q) Lowest at PKR 69,082
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 The Bank of Punjab for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
The Bank of Punjab
110.25%
2.31
51.53%
Pakistan KSE 100 Share
26.26%
2.81
22.77%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
25.30%
EBIT Growth (5y)
24.46%
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
53.13%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
9
Industry P/E
Price to Book Value
1.20
EV to EBIT
14.94
EV to EBITDA
11.63
EV to Capital Employed
1.07
EV to Sales
0.81
PEG Ratio
0.48
Dividend Yield
8.05%
ROCE (Latest)
7.19%
ROE (Latest)
13.85%
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
No Trend
Mildly Bearish
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend6What is working for the Company
NII(Q)
Highest at PKR 22,772.15 MM
DIVIDEND PAYOUT RATIO(Y)
Highest at 125.93%
NET PROFIT(9M)
Higher at PKR 13,625.13 MM
CASH AND EQV(HY)
Highest at PKR 226,242.95 MM
-10What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at PKR 200,220.38 MM
NET SALES(Q)
Lowest at PKR 64,378.47 MM
OPERATING PROFIT(Q)
Lowest at PKR -28,369.3 MM
OPERATING PROFIT MARGIN(Q)
Lowest at -44.07 %
Here's what is working for The Bank of Punjab
NII
Highest at PKR 22,772.15 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Cash and Eqv
Highest at PKR 226,242.95 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Net Profit
Higher at PKR 13,625.13 MM
than preceding 12 month period ended Dec 2025MOJO Watch
In the nine month period the company has already crossed sales of the previous twelve months
Net Profit (PKR MM)
Dividend Payout Ratio
Highest at 125.93%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Depreciation
Highest at PKR 2,055.63 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (PKR MM)
Here's what is not working for The Bank of Punjab
Operating Cash Flow
Lowest at PKR 200,220.38 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 64,378.47 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (PKR MM)
Operating Profit
Lowest at PKR -28,369.3 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (PKR MM)
Operating Profit Margin
Lowest at -44.07 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
