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Pakistani (KSE) Financials Sector Analysis

UpdatedNov 26, 2022
DataAggregated Company Financials
Companies88
  • 7D0.5%
  • 3M-7.4%
  • 1Y-22.6%
  • YTD-21.6%

Last week, the Financials industry hasn't moved much but BankIslami Pakistan is up 13% in that time. Unfortunately though, the industry is down 23% over the past 12 months. Looking forward, earnings are forecast to grow by 19% annually.

Sector Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Sun, 27 Nov 2022PK₨1.3tPK₨1.5tPK₨301.7b5.5x4.2x0.8x
Tue, 25 Oct 2022PK₨1.3tPK₨1.4tPK₨284.8b5.2x4.4x0.9x
Thu, 22 Sep 2022PK₨1.3tPK₨1.4tPK₨294.7b5.2x4.5x1x
Sat, 20 Aug 2022PK₨1.4tPK₨1.3tPK₨313.0b5.4x4.6x1.1x
Mon, 18 Jul 2022PK₨1.4tPK₨1.3tPK₨317.5b5.1x4.3x1x
Wed, 15 Jun 2022PK₨1.4tPK₨1.3tPK₨315.9b5.3x4.3x1x
Fri, 13 May 2022PK₨1.5tPK₨1.3tPK₨315.8b5.4x4.7x1.1x
Sun, 10 Apr 2022PK₨1.6tPK₨1.3tPK₨300.7b5.7x5.2x1.2x
Tue, 08 Mar 2022PK₨1.6tPK₨1.3tPK₨294.1b5.8x5.3x1.2x
Thu, 03 Feb 2022PK₨1.7tPK₨1.2tPK₨283.5b6.7x5.9x1.3x
Sat, 01 Jan 2022PK₨1.6tPK₨1.2tPK₨283.5b6.5x5.7x1.3x
Mon, 29 Nov 2021PK₨1.6tPK₨1.2tPK₨283.5b6.2x5.7x1.3x
Wed, 27 Oct 2021PK₨1.7tPK₨1.3tPK₨289.1b6.6x5.8x1.3x
Fri, 24 Sep 2021PK₨1.6tPK₨1.3tPK₨285.4b7.9x5.5x1.3x
Sun, 22 Aug 2021PK₨1.6tPK₨1.3tPK₨285.4b8x5.6x1.3x
Fri, 09 Jul 2021PK₨1.6tPK₨1.3tPK₨285.4b8x5.4x1.2x
Thu, 01 Apr 2021PK₨1.5tPK₨1.3tPK₨286.2b6.6x5.2x1.2x
Sun, 03 Jan 2021PK₨1.6tPK₨1.2tPK₨264.3b6.9x6.2x1.4x
Wed, 07 Oct 2020PK₨1.5tPK₨1.2tPK₨267.6b6.4x5.7x1.3x
Tue, 30 Jun 2020PK₨1.3tPK₨1.1tPK₨234.1b6.4x5.5x1.1x
Fri, 03 Apr 2020PK₨1.2tPK₨1.0tPK₨199.9b6.9x5.9x1.2x
Mon, 06 Jan 2020PK₨1.7tPK₨1.0tPK₨192.2b7.9x8.7x1.6x
Price to Earnings Ratio

9.3x


Total Market Cap: PK₨1.6tTotal Earnings: PK₨173.7bTotal Revenue: PK₨941.8bTotal Market Cap vs Earnings and Revenue0%0%0%
Pakistani Financials Sector Price to Earnings3Y Average 5.8x202020212022
Current Industry PE
  • Investors are pessimistic on the Pakistani Financials industry, indicating that they anticipate long term growth rates will be lower than they have historically.
  • The industry is trading at a PE ratio of 4.2x which is lower than its 3-year average PE of 5.8x.
  • The 3-year average PS ratio of 1.3x is higher than the industry's current PS ratio of 0.83x.
Past Earnings Growth
  • The earnings for companies in the Financials industry have grown 20% per year over the last three years.
  • Revenues for these companies have grown 18% 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 Market0.40%
Financials0.53%
Consumer Finance3.24%
Insurance1.10%
Capital Markets0.81%
Banks0.44%
Mortgage Finance0%
Mortgage REITs0%
Diversified Financial-1.57%
Industry PE
  • Investors are most optimistic about the Capital Markets industry which is trading above its 3-year average PE ratio of 5.3x.
    • It looks like they are confident that earnings will grow faster in the future than they have historically.
  • Investors are most pessimistic about the Consumer Finance industry, which is trading below its 3-year average of 5.4x.
Forecasted Growth
  • Analysts are most optimistic on the Banks industry, expecting annual earnings growth of 19% over the next 5 years.
  • This is better than its past earnings growth rate of 6.3% per year.
  • In contrast, the Banks industry is expected to see its earnings grow by 19% 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
BIPL BankIslami PakistanPK₨15.3113.2%
+PK₨2.0b
10.5%PB0.7x
BAHL Bank AL HabibPK₨56.152.1%
+PK₨1.3b
-22.8%PB0.7x
SBL Samba BankPK₨7.9516.9%
+PK₨1.2b
-30.7%PB0.5x
MEBL Meezan BankPK₨111.810.6%
+PK₨1.1b
-17.2%PB1.9x
EFUL EFU Life AssurancePK₨192.333.9%
+PK₨727.0m
4.4%PE14x
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Latest News

SBL

PK₨7.95

Samba Bank

7D

16.9%

1Y

-30.7%

HBL

PK₨68.00

Habib Bank

7D

-0.4%

1Y

-43.1%

MCB

PK₨119.13

MCB Bank

7D

-0.3%

1Y

-22.7%

UBL

PK₨109.48

United Bank

7D

0.4%

1Y

-22.1%

SNBL

PK₨9.70

Soneri Bank

7D

-5.4%

1Y

-1.4%

SILK

PK₨1.10

Silkbank

7D

4.8%

1Y

-16.7%

PSX

PK₨9.85

Pakistan Stock Exchange

7D

-3.1%

1Y

-28.6%

PAKRI

PK₨7.14

Pakistan Reinsurance

7D

-3.4%

1Y

-6.2%

MEBL

PK₨111.81

Meezan Bank

7D

0.6%

1Y

-17.2%

EFUL

PK₨192.33

EFU Life Assurance

7D

3.9%

1Y

4.4%

BAFL

PK₨32.25

Bank Alfalah

7D

-0.8%

1Y

-6.7%

BOP

PK₨5.20

Bank of Punjab

7D

-3.5%

1Y

-29.9%

BIPL

PK₨15.31

BankIslami Pakistan

7D

13.2%

1Y

10.5%

BAHL

PK₨56.15

Bank AL Habib

7D

2.1%

1Y

-22.8%

ABL

PK₨64.30

Allied Bank

7D

-0.4%

1Y

-18.2%

JLICL

PK₨146.50

Jubilee Life Insurance

7D

4.6%

1Y

-37.2%