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Pakistani (KSE) Financials Sector Analysis

UpdatedMar 11, 2025
DataAggregated Company Financials
Companies91
  • 7D0.9%
  • 3M4.8%
  • 1Y50.2%
  • YTD1.6%

Last week, the Financials industry hasn't moved much but United Bank is up 3.2% in that time. As for the the longer term, the industry is up 49% over the past 12 months. As for the next few years, earnings are forecast to decline by 8.1% per annum.

Sector Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Tue, 11 Mar 2025PK₨2.6tPK₨2.9tPK₨597.5b4.7x4.3x0.9x
Thu, 06 Feb 2025PK₨2.5tPK₨2.8tPK₨604.2b4.8x4.1x0.9x
Sat, 04 Jan 2025PK₨2.5tPK₨2.8tPK₨607.4b4.9x4.1x0.9x
Mon, 02 Dec 2024PK₨2.4tPK₨2.8tPK₨607.4b4.6x4x0.9x
Wed, 30 Oct 2024PK₨2.2tPK₨2.8tPK₨622.3b4.3x3.6x0.8x
Fri, 27 Sep 2024PK₨2.1tPK₨2.7tPK₨618.0b4.1x3.4x0.8x
Sun, 25 Aug 2024PK₨2.1tPK₨2.6tPK₨622.1b4.3x3.4x0.8x
Tue, 23 Jul 2024PK₨2.1tPK₨2.6tPK₨606.7b4.1x3.5x0.8x
Thu, 20 Jun 2024PK₨2.0tPK₨2.6tPK₨606.8b4x3.3x0.8x
Sat, 18 May 2024PK₨2.2tPK₨2.7tPK₨654.4b4x3.3x0.8x
Mon, 15 Apr 2024PK₨2.1tPK₨2.6tPK₨627.8b4.3x3.3x0.8x
Wed, 13 Mar 2024PK₨1.9tPK₨2.4tPK₨592.3b4.2x3.2x0.8x
Fri, 09 Feb 2024PK₨1.9tPK₨2.2tPK₨547.2b4.2x3.4x0.8x
Sun, 07 Jan 2024PK₨1.8tPK₨2.2tPK₨545.5b4.1x3.4x0.8x
Tue, 05 Dec 2023PK₨1.8tPK₨2.2tPK₨544.8b4.5x3.2x0.8x
Thu, 02 Nov 2023PK₨1.6tPK₨2.1tPK₨525.7b3.8x3x0.7x
Sat, 30 Sep 2023PK₨1.4tPK₨2.0tPK₨471.5b4.5x2.9x0.7x
Mon, 28 Aug 2023PK₨1.4tPK₨1.9tPK₨427.0b5.2x3.4x0.8x
Wed, 26 Jul 2023PK₨1.4tPK₨1.8tPK₨390.2b4.8x3.6x0.8x
Fri, 23 Jun 2023PK₨1.1tPK₨1.8tPK₨380.2b3.7x3x0.6x
Sun, 21 May 2023PK₨1.2tPK₨1.8tPK₨373.2b4.2x3.2x0.7x
Tue, 18 Apr 2023PK₨1.2tPK₨1.7tPK₨335.3b4.5x3.5x0.7x
Thu, 16 Mar 2023PK₨1.2tPK₨1.6tPK₨333.9b5.1x3.7x0.7x
Sat, 11 Feb 2023PK₨1.2tPK₨1.6tPK₨303.7b4.9x4.1x0.8x
Mon, 09 Jan 2023PK₨1.2tPK₨1.6tPK₨303.3b4.7x4x0.8x
Wed, 07 Dec 2022PK₨1.3tPK₨1.5tPK₨301.7b5.2x4.1x0.8x
Fri, 04 Nov 2022PK₨1.3tPK₨1.5tPK₨294.3b5.2x4.3x0.8x
Sun, 02 Oct 2022PK₨1.3tPK₨1.4tPK₨285.9b5.2x4.5x0.9x
Tue, 30 Aug 2022PK₨1.4tPK₨1.4tPK₨303.9b5.3x4.6x1x
Thu, 28 Jul 2022PK₨1.3tPK₨1.3tPK₨317.5b5.1x4.1x1x
Sat, 25 Jun 2022PK₨1.4tPK₨1.4tPK₨317.7b5x4.3x1x
Mon, 23 May 2022PK₨1.5tPK₨1.3tPK₨315.9b5.3x4.7x1.1x
Wed, 20 Apr 2022PK₨1.6tPK₨1.3tPK₨302.5b6x5.3x1.2x
Fri, 18 Mar 2022PK₨1.6tPK₨1.3tPK₨301.2b5.8x5.2x1.2x
Price to Earnings Ratio

5.2x


Total Market Cap: PK₨1.6tTotal Earnings: PK₨301.2bTotal 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 Market1.60%
Financials0.86%
Capital Markets4.28%
Consumer Finance0.90%
Banks0.70%
Insurance0.29%
Diversified Financial-1.60%
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 9.1% 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
UBL United BankPK₨403.303.2%
+PK₨15.2b
121.6%PB1.5x
MCB MCB BankPK₨290.363.1%
+PK₨10.4b
46.2%PB1.2x
HBL Habib BankPK₨157.424.0%
+PK₨8.9b
37.3%PB0.6x
NBP National Bank of PakistanPK₨82.414.2%
+PK₨7.0b
183.2%PB0.4x
AHCL Arif HabibPK₨100.5913.5%
+PK₨4.9b
163.9%PE4.8x
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Latest News

SCBPL

PK₨64.80

Standard Chartered Bank (Pakistan)

7D

-1.1%

1Y

68.2%

BOP

PK₨13.12

Bank of Punjab

7D

4.9%

1Y

110.9%

HBL

PK₨157.42

Habib Bank

7D

4.0%

1Y

37.3%

UBL

PK₨403.30

United Bank

7D

3.2%

1Y

121.6%

MCB

PK₨290.36

MCB Bank

7D

3.1%

1Y

46.2%

NBP

PK₨82.41

National Bank of Pakistan

7D

4.2%

1Y

183.2%

BML

PK₨3.95

Bank Makramah

7D

5.1%

1Y

86.3%

AKBL

PK₨41.22

Askari Bank

7D

2.7%

1Y

79.2%

JSBL

PK₨8.15

JS Bank

7D

-4.8%

1Y

-7.8%

BAFL

PK₨76.02

Bank Alfalah

7D

-1.4%

1Y

31.3%

JLICL

PK₨157.70

Jubilee Life Insurance

7D

-6.3%

1Y

17.7%

HMB

PK₨94.94

Habib Metropolitan Bank

7D

-1.0%

1Y

60.8%

SNBL

PK₨16.70

Soneri Bank

7D

-7.2%

1Y

69.7%

MEBL

PK₨239.07

Meezan Bank

7D

-1.6%

1Y

27.9%

AHCL

PK₨100.59

Arif Habib

7D

13.5%

1Y

163.9%

BAHL

PK₨142.01

Bank AL Habib

7D

-0.7%

1Y

69.1%