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Pakistani (KSE) Banks Industry Analysis
UpdatedFeb 06, 2025
DataAggregated Company Financials
Companies18
- 7D1.9%
- 3M16.8%
- 1Y52.2%
- YTD0.04%
Over the last 7 days, the Banks industry has risen 1.4%, driven by gains from United Bank of 5.7%. In the last 12 months, the industry was up 53%. Looking forward, earnings are expected to remain mostly flat in the next few years.
Industry Valuation and Performance
Has the Pakistani Banks Industry valuation changed over the past few years?
| Date | Market Cap | Revenue | Earnings | PE | Absolute PE | PS |
|---|---|---|---|---|---|---|
| Thu, 06 Feb 2025 | PK₨2.2t | PK₨2.2t | PK₨548.2b | 3.7x | 4x | 1x |
| Sat, 04 Jan 2025 | PK₨2.2t | PK₨2.2t | PK₨551.4b | 3.7x | 4x | 1x |
| Mon, 02 Dec 2024 | PK₨2.1t | PK₨2.2t | PK₨551.4b | 3.7x | 3.9x | 1x |
| Wed, 30 Oct 2024 | PK₨2.0t | PK₨2.1t | PK₨561.6b | 3.2x | 3.5x | 0.9x |
| Fri, 27 Sep 2024 | PK₨1.9t | PK₨2.1t | PK₨558.7b | 2.8x | 3.4x | 0.9x |
| Sun, 25 Aug 2024 | PK₨1.9t | PK₨2.1t | PK₨567.8b | 3x | 3.3x | 0.9x |
| Tue, 23 Jul 2024 | PK₨1.9t | PK₨2.0t | PK₨553.1b | 3x | 3.4x | 0.9x |
| Thu, 20 Jun 2024 | PK₨1.8t | PK₨2.0t | PK₨553.1b | 2.8x | 3.2x | 0.9x |
| Sat, 18 May 2024 | PK₨1.9t | PK₨2.2t | PK₨603.7b | 2.7x | 3.2x | 0.9x |
| Mon, 15 Apr 2024 | PK₨1.9t | PK₨2.1t | PK₨581.0b | 2.6x | 3.3x | 0.9x |
| Wed, 13 Mar 2024 | PK₨1.7t | PK₨2.0t | PK₨551.7b | 2.6x | 3.1x | 0.9x |
| Fri, 09 Feb 2024 | PK₨1.7t | PK₨1.8t | PK₨510.0b | 3x | 3.3x | 0.9x |
| Sun, 07 Jan 2024 | PK₨1.6t | PK₨1.8t | PK₨508.4b | 2.9x | 3.2x | 0.9x |
| Tue, 05 Dec 2023 | PK₨1.6t | PK₨1.8t | PK₨508.4b | 2.6x | 3.1x | 0.9x |
| Thu, 02 Nov 2023 | PK₨1.4t | PK₨1.7t | PK₨491.6b | 2.6x | 2.8x | 0.8x |
| Sat, 30 Sep 2023 | PK₨1.2t | PK₨1.6t | PK₨444.3b | 2.5x | 2.7x | 0.7x |
| Mon, 28 Aug 2023 | PK₨1.3t | PK₨1.5t | PK₨402.7b | 2.9x | 3.1x | 0.8x |
| Wed, 26 Jul 2023 | PK₨1.2t | PK₨1.5t | PK₨365.1b | 3.4x | 3.3x | 0.8x |
| Fri, 23 Jun 2023 | PK₨957.7b | PK₨1.5t | PK₨355.1b | 2.9x | 2.7x | 0.7x |
| Sun, 21 May 2023 | PK₨1.0t | PK₨1.4t | PK₨347.0b | 3.2x | 2.9x | 0.7x |
| Tue, 18 Apr 2023 | PK₨993.3b | PK₨1.3t | PK₨309.9b | 3.2x | 3.2x | 0.7x |
| Thu, 16 Mar 2023 | PK₨1.0t | PK₨1.3t | PK₨307.4b | 3.5x | 3.4x | 0.8x |
| Sat, 11 Feb 2023 | PK₨1.0t | PK₨1.2t | PK₨276.1b | 4.4x | 3.8x | 0.8x |
| Mon, 09 Jan 2023 | PK₨1.0t | PK₨1.2t | PK₨275.7b | 4.3x | 3.7x | 0.8x |
| Wed, 07 Dec 2022 | PK₨1.1t | PK₨1.2t | PK₨275.3b | 4.3x | 3.9x | 0.9x |
| Fri, 04 Nov 2022 | PK₨1.1t | PK₨1.2t | PK₨268.3b | 4.4x | 4x | 0.9x |
| Sun, 02 Oct 2022 | PK₨1.1t | PK₨1.1t | PK₨257.2b | 4.8x | 4.2x | 1x |
| Tue, 30 Aug 2022 | PK₨1.2t | PK₨1.1t | PK₨271.8b | 4.8x | 4.4x | 1.1x |
| Thu, 28 Jul 2022 | PK₨1.1t | PK₨1.0t | PK₨285.1b | 4.2x | 3.9x | 1.1x |
| Sat, 25 Jun 2022 | PK₨1.2t | PK₨1.0t | PK₨285.1b | 4.3x | 4.1x | 1.1x |
| Mon, 23 May 2022 | PK₨1.3t | PK₨1.0t | PK₨283.2b | 4.9x | 4.5x | 1.2x |
| Wed, 20 Apr 2022 | PK₨1.4t | PK₨1.0t | PK₨269.4b | 5.4x | 5.1x | 1.4x |
| Fri, 18 Mar 2022 | PK₨1.3t | PK₨949.7b | PK₨259.6b | 5.6x | 5.1x | 1.4x |
| Sun, 13 Feb 2022 | PK₨1.4t | PK₨944.2b | PK₨251.7b | 5.6x | 5.7x | 1.5x |
Price to Earnings Ratio
5.7x
Current Industry PE
- Investors are optimistic on the Pakistani Banks industry, and appear confident in long term growth rates.
- The industry is trading at a PE ratio of 4.0x which is higher than its 3-year average PE of 3.6x.
- The industry is trading close to its 3-year average PS ratio of 0.94x.
Past Earnings Growth
- The earnings for companies in the Banks industry have grown 30% per year over the last three years.
- Revenues for these companies have grown 32% 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 industry?
| PK Market | 0.31% | |
| Financials | 1.60% | |
| Banks | 1.86% | |
| Diversified Banks | 1.92% | |
| Regional Banks | -4.33% | |
Industry PE
- Investors are most optimistic about the Diversified Banks industry which is trading above its 3-year average PE ratio of 3.6x.
- Analysts are expecting annual earnings decline of 0.9%, which is lower than the prior year's growth of 20.3% per year.
- Investors are most pessimistic about the Regional Banks industry, which is trading below its 3-year average of 3.8x.
Forecasted Growth
- Despite it being negative, analysts are least pessimistic on the Diversified Banks industry since they expect its earnings to decline by only 0.9% 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 20% per year.
- In contrast, the Diversified 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 | |
|---|---|---|---|---|---|
| UBL United Bank | PK₨410.28 | 4.8% +PK₨22.8b | 120.6% | PB1.6x | |
| NBP National Bank of Pakistan | PK₨70.33 | 9.2% +PK₨12.6b | 142.9% | PB0.4x | |
| BML Bank Makramah | PK₨4.15 | 11.9% +PK₨2.9b | 91.2% | PS20.4x | |
| SILK Silkbank | PK₨1.19 | 22.7% +PK₨2.0b | 11.2% | PE-0.8x | |
| SNBL Soneri Bank | PK₨19.79 | 8.1% +PK₨1.6b | 53.2% | PB0.7x |