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Pakistani (KSE) Financials Sector Analysis
UpdatedFeb 01, 2025
DataAggregated Company Financials
Companies90
- 7D0.1%
- 3M16.5%
- 1Y53.8%
- YTD0.4%
Over the last 7 days, the Financials industry has remained flat, although notably United Bank gained 5.5%. As for the the longer term, the industry is up 53% over the past 12 months. In the next few years, earnings are forecast to decline by 2.4% annually.
Sector Valuation and Performance
Has the Pakistani Financials Sector valuation changed over the past few years?
| Date | Market Cap | Revenue | Earnings | PE | Absolute PE | PS |
|---|---|---|---|---|---|---|
| Sat, 01 Feb 2025 | PK₨2.5t | PK₨2.8t | PK₨607.4b | 4.8x | 4.1x | 0.9x |
| Mon, 30 Dec 2024 | PK₨2.3t | PK₨2.8t | PK₨607.4b | 4.8x | 3.8x | 0.8x |
| Wed, 27 Nov 2024 | PK₨2.3t | PK₨2.8t | PK₨607.0b | 4.5x | 3.8x | 0.8x |
| Fri, 25 Oct 2024 | PK₨2.2t | PK₨2.8t | PK₨621.8b | 4x | 3.6x | 0.8x |
| Sun, 22 Sep 2024 | PK₨2.1t | PK₨2.7t | PK₨618.0b | 4.3x | 3.4x | 0.8x |
| Tue, 20 Aug 2024 | PK₨2.1t | PK₨2.6t | PK₨621.2b | 4.3x | 3.3x | 0.8x |
| Thu, 18 Jul 2024 | PK₨2.2t | PK₨2.6t | PK₨606.7b | 4.3x | 3.6x | 0.9x |
| Sat, 15 Jun 2024 | PK₨2.0t | PK₨2.6t | PK₨606.7b | 4x | 3.3x | 0.8x |
| Mon, 13 May 2024 | PK₨2.1t | PK₨2.7t | PK₨654.3b | 4x | 3.1x | 0.8x |
| Wed, 10 Apr 2024 | PK₨2.1t | PK₨2.6t | PK₨628.0b | 4.1x | 3.3x | 0.8x |
| Fri, 08 Mar 2024 | PK₨1.9t | PK₨2.4t | PK₨585.3b | 4.3x | 3.3x | 0.8x |
| Sun, 04 Feb 2024 | PK₨1.9t | PK₨2.2t | PK₨547.6b | 4.2x | 3.4x | 0.8x |
| Tue, 02 Jan 2024 | PK₨1.9t | PK₨2.2t | PK₨545.5b | 4.1x | 3.4x | 0.8x |
| Thu, 30 Nov 2023 | PK₨1.8t | PK₨2.2t | PK₨538.0b | 4.4x | 3.3x | 0.8x |
| Sat, 28 Oct 2023 | PK₨1.5t | PK₨2.1t | PK₨497.8b | 4.1x | 3.1x | 0.7x |
| Mon, 25 Sep 2023 | PK₨1.4t | PK₨2.0t | PK₨471.1b | 4.7x | 2.9x | 0.7x |
| Wed, 23 Aug 2023 | PK₨1.4t | PK₨1.9t | PK₨424.7b | 4.9x | 3.3x | 0.7x |
| Fri, 21 Jul 2023 | PK₨1.3t | PK₨1.8t | PK₨390.2b | 4.5x | 3.4x | 0.7x |
| Sun, 18 Jun 2023 | PK₨1.2t | PK₨1.8t | PK₨380.2b | 3.8x | 3x | 0.6x |
| Tue, 16 May 2023 | PK₨1.2t | PK₨1.8t | PK₨373.2b | 4.4x | 3.2x | 0.7x |
| Thu, 13 Apr 2023 | PK₨1.2t | PK₨1.7t | PK₨335.8b | 4.7x | 3.5x | 0.7x |
| Sat, 11 Mar 2023 | PK₨1.2t | PK₨1.6t | PK₨323.2b | 4.9x | 3.8x | 0.8x |
| Mon, 06 Feb 2023 | PK₨1.2t | PK₨1.6t | PK₨303.7b | 4.7x | 4x | 0.8x |
| Wed, 04 Jan 2023 | PK₨1.2t | PK₨1.6t | PK₨303.5b | 4.9x | 4x | 0.8x |
| Fri, 02 Dec 2022 | PK₨1.3t | PK₨1.5t | PK₨301.7b | 5.4x | 4.2x | 0.8x |
| Sun, 30 Oct 2022 | PK₨1.3t | PK₨1.5t | PK₨293.3b | 5.2x | 4.3x | 0.9x |
| Tue, 27 Sep 2022 | PK₨1.3t | PK₨1.4t | PK₨286.5b | 5.1x | 4.5x | 0.9x |
| Thu, 25 Aug 2022 | PK₨1.4t | PK₨1.4t | PK₨310.2b | 5.3x | 4.5x | 1x |
| Sat, 23 Jul 2022 | PK₨1.3t | PK₨1.3t | PK₨317.5b | 5x | 4.1x | 1x |
| Mon, 20 Jun 2022 | PK₨1.4t | PK₨1.4t | PK₨317.7b | 5.1x | 4.3x | 1x |
| Wed, 18 May 2022 | PK₨1.5t | PK₨1.3t | PK₨315.8b | 5.3x | 4.7x | 1.1x |
| Fri, 15 Apr 2022 | PK₨1.6t | PK₨1.3t | PK₨302.6b | 6x | 5.3x | 1.2x |
| Sun, 13 Mar 2022 | PK₨1.6t | PK₨1.2t | PK₨301.2b | 5.8x | 5.2x | 1.3x |
| Tue, 08 Feb 2022 | PK₨1.7t | PK₨1.2t | PK₨283.5b | 6.7x | 5.8x | 1.3x |
Price to Earnings Ratio
5.8x
Current Industry PE
- Investors are relatively neutral on the Pakistani Financials industry at the moment, indicating that they anticipate long term growth rates to remain steady.
- The industry is trading close to its 3-year average PE ratio of 3.8x.
- The industry is trading close to its 3-year average PS ratio of 0.85x.
Past Earnings Growth
- The earnings for companies in the Financials industry have grown 29% 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 Market | -0.60% | |
| Financials | 0.15% | |
| Banks | 0.47% | |
| Mortgage Finance | 0% | 0 |
| Mortgage REITs | 0% | 0 |
| Diversified Financial | -0.60% | |
| Consumer Finance | -0.77% | |
| Insurance | -1.05% | |
| Capital Markets | -4.04% | |
Industry PE
- Investors are most optimistic about the Diversified Financial industry which is trading above its 3-year average PE ratio of 12.5x.
- 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, which is trading close to 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 2.4% 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 30% per year.
- In contrast, the Banks industry is expected to see its earnings decline by 2.4% per year over the next few years.
Top Stock Gainers and Losers
Which companies have driven the market over the last 7 days?
| Company | Last Price | 7D | 1Y | Valuation | |
|---|---|---|---|---|---|
| UBL United Bank | PK₨410.21 | 5.5% +PK₨26.1b | 124.6% | PB1.6x | |
| NBP National Bank of Pakistan | PK₨70.84 | 11.9% +PK₨16.0b | 148.6% | PB0.4x | |
| BAHL Bank AL Habib | PK₨143.12 | 7.4% +PK₨10.9b | 66.3% | PB1x | |
| AKBL Askari Bank | PK₨43.63 | 7.9% +PK₨4.7b | 84.4% | PB0.5x | |
| ABL Allied Bank | PK₨143.49 | 2.5% +PK₨4.0b | 66.8% | PB0.7x |