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Pakistani (KSE) Financials Sector Analysis
UpdatedAug 25, 2025
DataAggregated Company Financials
Companies92
- 7D3.2%
- 3M44.8%
- 1Y77.3%
- YTD48.4%
In the last week, the Financials industry is up 3.2%, with Standard Chartered Bank (Pakistan) leading the way with a 12% gain. This means that the industry has gained 77% over the past year. Looking forward, earnings are expected to remain mostly flat in the next few years.
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 |
|---|---|---|---|---|---|---|
| Mon, 25 Aug 2025 | PK₨3.8t | PK₨3.0t | PK₨587.9b | 6.3x | 6.4x | 1.3x |
| Wed, 23 Jul 2025 | PK₨3.4t | PK₨3.0t | PK₨596.0b | 6.3x | 5.8x | 1.2x |
| Fri, 20 Jun 2025 | PK₨2.8t | PK₨3.0t | PK₨595.8b | 5.1x | 4.7x | 0.9x |
| Sun, 18 May 2025 | PK₨2.6t | PK₨3.0t | PK₨595.9b | 4.6x | 4.4x | 0.9x |
| Tue, 15 Apr 2025 | PK₨2.5t | PK₨2.9t | PK₨594.8b | 4.7x | 4.2x | 0.9x |
| Thu, 13 Mar 2025 | PK₨2.6t | PK₨2.9t | PK₨597.5b | 4.4x | 4.3x | 0.9x |
| Sat, 08 Feb 2025 | PK₨2.4t | PK₨2.8t | PK₨600.1b | 4.7x | 4.1x | 0.9x |
| Mon, 06 Jan 2025 | PK₨2.5t | PK₨2.8t | PK₨607.4b | 4.9x | 4.1x | 0.9x |
| Wed, 04 Dec 2024 | PK₨2.5t | PK₨2.8t | PK₨607.4b | 4.8x | 4x | 0.9x |
| Fri, 01 Nov 2024 | PK₨2.2t | PK₨2.8t | PK₨606.9b | 4.2x | 3.6x | 0.8x |
| Sun, 29 Sep 2024 | PK₨2.1t | PK₨2.7t | PK₨618.0b | 4.1x | 3.4x | 0.8x |
| Tue, 27 Aug 2024 | PK₨2.1t | PK₨2.6t | PK₨622.2b | 4.1x | 3.4x | 0.8x |
| Thu, 25 Jul 2024 | PK₨2.2t | PK₨2.6t | PK₨606.7b | 4.2x | 3.6x | 0.8x |
| Sat, 22 Jun 2024 | PK₨2.1t | PK₨2.6t | PK₨606.8b | 4.2x | 3.5x | 0.8x |
| Mon, 20 May 2024 | PK₨2.2t | PK₨2.7t | PK₨654.4b | 4x | 3.3x | 0.8x |
| Wed, 17 Apr 2024 | PK₨2.1t | PK₨2.6t | PK₨627.8b | 4.3x | 3.4x | 0.8x |
| Fri, 15 Mar 2024 | PK₨1.9t | PK₨2.4t | PK₨594.6b | 4x | 3.2x | 0.8x |
| Sun, 11 Feb 2024 | PK₨1.8t | PK₨2.2t | PK₨547.4b | 4.1x | 3.4x | 0.8x |
| Tue, 09 Jan 2024 | PK₨1.8t | PK₨2.2t | PK₨545.5b | 4.2x | 3.3x | 0.8x |
| Thu, 07 Dec 2023 | PK₨1.8t | PK₨2.2t | PK₨545.1b | 4.6x | 3.3x | 0.8x |
| Sat, 04 Nov 2023 | PK₨1.5t | PK₨2.2t | PK₨533.5b | 3.8x | 2.9x | 0.7x |
| Mon, 02 Oct 2023 | PK₨1.4t | PK₨2.0t | PK₨471.3b | 4.4x | 2.9x | 0.7x |
| Wed, 30 Aug 2023 | PK₨1.4t | PK₨1.9t | PK₨439.9b | 4.9x | 3.3x | 0.7x |
| Fri, 28 Jul 2023 | PK₨1.4t | PK₨1.8t | PK₨390.2b | 4.9x | 3.6x | 0.8x |
| Sun, 25 Jun 2023 | PK₨1.1t | PK₨1.8t | PK₨380.2b | 3.7x | 3x | 0.6x |
| Tue, 23 May 2023 | PK₨1.2t | PK₨1.8t | PK₨373.2b | 4.2x | 3.2x | 0.7x |
| Thu, 20 Apr 2023 | PK₨1.2t | PK₨1.7t | PK₨335.3b | 4.5x | 3.5x | 0.7x |
| Sat, 18 Mar 2023 | PK₨1.2t | PK₨1.6t | PK₨333.9b | 5.1x | 3.7x | 0.7x |
| Mon, 13 Feb 2023 | PK₨1.2t | PK₨1.6t | PK₨303.7b | 4.9x | 4.1x | 0.8x |
| Wed, 11 Jan 2023 | PK₨1.2t | PK₨1.6t | PK₨303.3b | 4.7x | 3.9x | 0.8x |
| Fri, 09 Dec 2022 | PK₨1.3t | PK₨1.5t | PK₨301.7b | 5.2x | 4.2x | 0.8x |
| Sun, 06 Nov 2022 | PK₨1.2t | PK₨1.5t | PK₨294.3b | 5.1x | 4.2x | 0.8x |
| Tue, 04 Oct 2022 | PK₨1.3t | PK₨1.4t | PK₨286.3b | 5.2x | 4.4x | 0.9x |
| Thu, 01 Sep 2022 | PK₨1.4t | PK₨1.4t | PK₨301.6b | 5.3x | 4.6x | 1x |
Price to Earnings Ratio
4.6x
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 6.4x which is higher than its 3-year average PE of 3.8x.
- The 3-year average PS ratio of 0.82x is lower than the industry's current PS ratio of 1.3x.
Past Earnings Growth
- The earnings for companies in the Financials industry have grown 25% per year over the last three years.
- Revenues for these companies have grown 30% 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 | 1.52% | |
| Financials | 3.18% | |
| Diversified Financial | 7.02% | |
| Banks | 3.32% | |
| Capital Markets | 3.02% | |
| Consumer Finance | 1.74% | |
| Insurance | 1.38% | |
Industry PE
- Investors are most optimistic about the Diversified Financial industry, which is trading close to its 3-year average PE ratio of 13.6x.
- 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
- Analysts are most optimistic on the Banks industry, expecting annual earnings growth of 1.0% over the next 5 years.
- This is better than its past earnings decline of 6.6% per year.
- In contrast, the Banks industry is expected to see its earnings growth to stay flat 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 | |
|---|---|---|---|---|---|
| BAHL Bank AL Habib | PK₨205.86 | 14.4% +PK₨28.7b | 108.8% | PB1.5x | |
| MEBL Meezan Bank | PK₨409.19 | 4.0% +PK₨28.3b | 69.8% | PB2.7x | |
| UBL United Bank | PK₨382.33 | 2.1% +PK₨19.6b | 196.9% | PB2.2x | |
| BAFL Bank Alfalah | PK₨103.96 | 9.2% +PK₨13.8b | 75.3% | PB0.9x | |
| NBP National Bank of Pakistan | PK₨153.07 | 4.2% +PK₨13.2b | 192.7% | PB0.7x |