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Pakistani (KSE) Financials Sector Analysis

UpdatedMar 13, 2025
DataAggregated Company Financials
Companies91
  • 7D0.7%
  • 3M3.5%
  • 1Y52.0%
  • YTD1.4%

The Financials industry has stayed flat over the last week. As for the the longer term, the industry is up 52% over the past 12 months. Looking forward, earnings are forecast to decline by 8.1% per year.

Sector Valuation and Performance

Has the Pakistani Financials Sector valuation changed over the past few years?

DateMarket CapRevenueEarningsPEAbsolute PEPS
Fri, 14 Mar 2025PK₨2.6tPK₨2.9tPK₨597.5b4.4x4.3x0.9x
Sun, 09 Feb 2025PK₨2.5tPK₨2.8tPK₨600.1b4.7x4.1x0.9x
Tue, 07 Jan 2025PK₨2.5tPK₨2.8tPK₨607.4b4.9x4.1x0.9x
Thu, 05 Dec 2024PK₨2.4tPK₨2.8tPK₨607.4b4.7x4x0.9x
Sat, 02 Nov 2024PK₨2.2tPK₨2.8tPK₨605.6b4.2x3.6x0.8x
Mon, 30 Sep 2024PK₨2.1tPK₨2.7tPK₨618.0b4.1x3.4x0.8x
Wed, 28 Aug 2024PK₨2.1tPK₨2.6tPK₨623.7b4.1x3.3x0.8x
Fri, 26 Jul 2024PK₨2.1tPK₨2.6tPK₨606.7b4.3x3.5x0.8x
Sun, 23 Jun 2024PK₨2.1tPK₨2.6tPK₨606.8b4.2x3.5x0.8x
Tue, 21 May 2024PK₨2.2tPK₨2.7tPK₨654.4b3.9x3.3x0.8x
Thu, 18 Apr 2024PK₨2.1tPK₨2.6tPK₨627.8b4.2x3.4x0.8x
Sat, 16 Mar 2024PK₨1.9tPK₨2.4tPK₨594.6b4x3.1x0.8x
Mon, 12 Feb 2024PK₨1.8tPK₨2.2tPK₨550.6b4.1x3.4x0.8x
Wed, 10 Jan 2024PK₨1.8tPK₨2.2tPK₨545.5b4.1x3.3x0.8x
Fri, 08 Dec 2023PK₨1.9tPK₨2.2tPK₨545.1b4.6x3.4x0.9x
Sun, 05 Nov 2023PK₨1.5tPK₨2.2tPK₨533.5b3.8x2.9x0.7x
Tue, 03 Oct 2023PK₨1.4tPK₨2.0tPK₨471.3b4.4x2.9x0.7x
Thu, 31 Aug 2023PK₨1.4tPK₨2.0tPK₨454.1b4.9x3.2x0.7x
Sat, 29 Jul 2023PK₨1.4tPK₨1.8tPK₨390.2b4.9x3.6x0.8x
Mon, 26 Jun 2023PK₨1.1tPK₨1.8tPK₨380.2b3.7x3x0.6x
Wed, 24 May 2023PK₨1.2tPK₨1.8tPK₨373.5b4.3x3.2x0.7x
Fri, 21 Apr 2023PK₨1.2tPK₨1.7tPK₨335.3b4.7x3.6x0.7x
Sun, 19 Mar 2023PK₨1.2tPK₨1.6tPK₨333.9b5.1x3.6x0.7x
Tue, 14 Feb 2023PK₨1.2tPK₨1.6tPK₨303.7b4.8x4.1x0.8x
Thu, 12 Jan 2023PK₨1.2tPK₨1.6tPK₨303.3b4.7x3.9x0.8x
Sat, 10 Dec 2022PK₨1.3tPK₨1.5tPK₨301.7b5.2x4.2x0.8x
Mon, 07 Nov 2022PK₨1.2tPK₨1.5tPK₨294.5b5.1x4.2x0.8x
Wed, 05 Oct 2022PK₨1.3tPK₨1.4tPK₨286.2b5.2x4.4x0.9x
Fri, 02 Sep 2022PK₨1.4tPK₨1.4tPK₨301.0b5.5x4.6x1x
Sun, 31 Jul 2022PK₨1.3tPK₨1.3tPK₨317.5b5.1x4.1x1x
Tue, 28 Jun 2022PK₨1.3tPK₨1.4tPK₨317.7b5x4.2x1x
Thu, 26 May 2022PK₨1.5tPK₨1.3tPK₨315.9b5.2x4.6x1.1x
Sat, 23 Apr 2022PK₨1.6tPK₨1.3tPK₨304.4b6.1x5.2x1.2x
Mon, 21 Mar 2022PK₨1.5tPK₨1.3tPK₨300.8b5.6x5.1x1.2x
Price to Earnings Ratio

5.1x


Total Market Cap: PK₨1.5tTotal Earnings: PK₨300.8bTotal Revenue: PK₨1.3tTotal Market Cap vs Earnings and Revenue0%0%0%
Pakistani Financials Sector Price to Earnings3Y Average 3.8x202320242025
Current Industry PE
  • Investors are optimistic on the Pakistani Financials industry, and appear confident in long term growth rates.
  • The industry is trading at a PE ratio of 4.3x which is higher than its 3-year average PE of 3.8x.
  • The industry is trading close to its 3-year average PS ratio of 0.84x.
Past Earnings Growth
  • The earnings for companies in the Financials industry have grown 26% per year over the last three years.
  • Revenues for these companies have grown 31% per year.
  • This means that more sales are being generated by these companies overall, and subsequently their profits are increasing too.

Industry Trends

Which industries have driven the changes within the Pakistani Financials sector?

PK Market1.20%
Financials0.66%
Capital Markets2.64%
Banks0.56%
Insurance0.39%
Consumer Finance0.36%
Diversified Financial-2.51%
Industry PE
  • Investors are most optimistic about the Diversified Financial industry even though it's trading below its 3-year average PE ratio of 13.0x.
    • It looks like they are confident that earnings will grow faster in the future than they have historically.
  • Investors are most pessimistic about the Banks industry, although it looks like investor sentiment has improved given that it's trading above its 3-year average of 3.6x.
Forecasted Growth
  • Despite it being negative, analysts are least pessimistic on the Banks industry since they expect its earnings to decline by only 8.1% per year over the next 5 years, which isn't as bad as the other industries.
  • This is a reversal from its past annual earnings growth rate of 8.1% per year.
  • In contrast, the Banks industry is expected to see its earnings decline by 8.1% per year over the next few years.

Top Stock Gainers and Losers

Which companies have driven the market over the last 7 days?

CompanyLast Price7D1YValuation
HBL Habib BankPK₨157.362.6%
+PK₨5.8b
38.5%PB0.6x
AHCL Arif HabibPK₨101.5813.3%
+PK₨4.9b
171.0%PE5x
AKBL Askari BankPK₨42.946.5%
+PK₨3.8b
85.6%PB0.5x
BOK Bank of KhyberPK₨15.9216.0%
+PK₨2.5b
14.5%PB0.8x
MCB MCB BankPK₨290.340.7%
+PK₨2.3b
53.7%PB1.2x
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MEBL

PK₨241.00

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7D

0.4%

1Y

26.5%

UBL

PK₨386.17

United Bank

7D

-2.5%

1Y

115.0%

BOK

PK₨15.92

Bank of Khyber

7D

16.0%

1Y

14.5%

PSX

PK₨25.02

Pakistan Stock Exchange

7D

-3.4%

1Y

167.6%

HMB

PK₨94.00

Habib Metropolitan Bank

7D

-1.0%

1Y

59.6%

AHCL

PK₨101.58

Arif Habib

7D

13.3%

1Y

171.0%

BOP

PK₨13.45

Bank of Punjab

7D

5.0%

1Y

117.6%

HBL

PK₨157.36

Habib Bank

7D

2.6%

1Y

38.5%

ABL

PK₨132.64

Allied Bank

7D

-3.6%

1Y

51.6%

AKBL

PK₨42.94

Askari Bank

7D

6.5%

1Y

85.6%

BAFL

PK₨75.05

Bank Alfalah

7D

-2.8%

1Y

43.3%

EFUG

PK₨132.13

EFU General Insurance

7D

7.8%

1Y

46.8%

SNBL

PK₨16.31

Soneri Bank

7D

-3.5%

1Y

70.4%

JGICL

PK₨56.37

Jubilee General Insurance

7D

-4.5%

1Y

40.9%

AKDSL

PK₨20.78

AKD Securities

7D

-3.8%

1Y

11.1%