Reported Earnings • May 05
First quarter 2026 earnings released: PK₨0.87 loss per share (vs PK₨1.12 loss in 1Q 2025) First quarter 2026 results: PK₨0.87 loss per share (improved from PK₨1.12 loss in 1Q 2025). Net loss: PK₨374.5m (loss narrowed 24% from 1Q 2025). Announcement • Apr 22
Apna Microfinance Bank Limited to Report Q1, 2026 Results on Apr 29, 2026 Apna Microfinance Bank Limited announced that they will report Q1, 2026 results on Apr 29, 2026 Reported Earnings • Mar 06
Full year 2025 earnings released: PK₨3.84 loss per share (vs PK₨7.23 loss in FY 2024) Full year 2025 results: PK₨3.84 loss per share (improved from PK₨7.23 loss in FY 2024). Net loss: PK₨1.65b (loss narrowed 47% from FY 2024). Over the last 3 years on average, earnings per share has increased by 32% per year but the company’s share price has only increased by 12% per year, which means it is significantly lagging earnings growth. Announcement • Mar 05
Apna Microfinance Bank Limited, Annual General Meeting, Mar 27, 2026 Apna Microfinance Bank Limited, Annual General Meeting, Mar 27, 2026. Location: at registered office, k-4/3 &4/4, ch. khaliq-uz-zaman road, gizri, karachi Pakistan Announcement • Feb 25
Apna Microfinance Bank Limited to Report Fiscal Year 2025 Results on Mar 04, 2026 Apna Microfinance Bank Limited announced that they will report fiscal year 2025 results on Mar 04, 2026 Reported Earnings • Oct 29
Third quarter 2025 earnings released: PK₨1.07 loss per share (vs PK₨1.74 loss in 3Q 2024) Third quarter 2025 results: PK₨1.07 loss per share (improved from PK₨1.74 loss in 3Q 2024). Net loss: PK₨458.0m (loss narrowed 39% from 3Q 2024). Reported Earnings • Sep 01
Second quarter 2025 earnings released: PK₨0.92 loss per share (vs PK₨1.78 loss in 2Q 2024) Second quarter 2025 results: PK₨0.92 loss per share (improved from PK₨1.78 loss in 2Q 2024). Net loss: PK₨395.8m (loss narrowed 48% from 2Q 2024). Over the last 3 years on average, earnings per share has increased by 24% per year but the company’s share price has fallen by 17% per year, which means it is significantly lagging earnings. Announcement • Jun 20
Apna Microfinance Bank Limited Approves Election of Mr. Nazish Ali as Executive Director Apna Microfinance Bank Limited announced that at its EGM held on June 18, 2025, shareholders approved the election of Mr. Nazish Ali as executive director of the company for a period of three years. Reported Earnings • Mar 11
Full year 2024 earnings released: PK₨7.14 loss per share (vs PK₨8.38 loss in FY 2023) Full year 2024 results: PK₨7.14 loss per share (improved from PK₨8.38 loss in FY 2023). Net loss: PK₨3.10b (loss narrowed 14% from FY 2023). Over the last 3 years on average, earnings per share has increased by 3% per year but the company’s share price has fallen by 23% per year, which means it is significantly lagging earnings. Announcement • Mar 07
Apna Microfinance Bank Limited, Annual General Meeting, Mar 28, 2025 Apna Microfinance Bank Limited, Annual General Meeting, Mar 28, 2025. Location: at registered office, k-4/3 & 4/4, ch. khaliq-uz-zaman road, gizri, karachi Pakistan New Risk • Mar 06
New minor risk - Share price stability The company's share price has been volatile over the past 3 months. It is more volatile than 75% of Pakistani stocks, typically moving 7.9% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Major Risks Negative equity (-PK₨8.6b). Earnings have declined by 50% per year over the past 5 years. Revenue is less than US$1m. Minor Risks Share price has been volatile over the past 3 months (7.9% average weekly change). Market cap is less than US$100m (PK₨4.39b market cap, or US$15.7m). Reported Earnings • Nov 02
Third quarter 2024 earnings released Third quarter 2024 results: Net loss: PK₨746.1m (loss widened 13% from 3Q 2023). Over the last 3 years on average, earnings per share has fallen by 20% per year whereas the company’s share price has fallen by 24% per year. Reported Earnings • Aug 13
First quarter 2024 earnings released: PK₨1.81 loss per share (vs PK₨3.53 loss in 1Q 2023) First quarter 2024 results: PK₨1.81 loss per share (improved from PK₨3.53 loss in 1Q 2023). Net loss: PK₨777.7m (loss narrowed 49% from 1Q 2023). Over the last 3 years on average, earnings per share has fallen by 53% per year but the company’s share price has only fallen by 15% per year, which means it has not declined as severely as earnings. Announcement • Jul 26
Apna Microfinance Bank Limited Announces Board Changes Apna Microfinance Bank Limited announced Mr. Jamil Ahmed Khan has been appointed as the Non-Executive Director, following the clearance from the State Bank of Pakistan. Mr. Khan's appointment took effect from April 1, 2024. This follows a formal clearance from the State Bank of Pakistan, as stated in their letter dated July 19, 2024, with the reference number SBPHOK-BPRD-CGD-APNAMFB-679484. He replaces Syed Rahat Ali Shah, who previously held the position on the board. Reported Earnings • Jun 04
Full year 2023 earnings released: PK₨8.38 loss per share (vs PK₨10.47 loss in FY 2022) Full year 2023 results: PK₨8.38 loss per share (improved from PK₨10.47 loss in FY 2022). Net loss: PK₨3.59b (loss narrowed 20% from FY 2022). Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 82 percentage points per year, which is a significant difference in performance. Announcement • Jun 01
Apna Microfinance Bank Limited, Annual General Meeting, Jun 21, 2024 Apna Microfinance Bank Limited, Annual General Meeting, Jun 21, 2024. Location: at registered office, k-4/3 & 4/4 ., ch.khaliq-uz-zaman road, gizri, karachi Pakistan Board Change • May 15
Less than half of directors are independent No new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 8 experienced directors. 1 highly experienced director. 2 independent directors (6 non-independent directors). Independent Director Abdul Khan was the last independent director to join the board, commencing their role in 2019. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Insufficient board refreshment. Board Change • Feb 14
Less than half of directors are independent There is 1 new director who has joined the board in the last 3 years. The new board member was an independent director. The company's board is composed of: 1 new director. 6 experienced directors. 1 highly experienced director. 2 independent directors (5 non-independent directors). Independent Director Parveen Malik was the last independent director to join the board, commencing their role in 2021. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Insufficient board refreshment. Board Change • Jan 26
Less than half of directors are independent There is 1 new director who has joined the board in the last 3 years. The new board member was an independent director. The company's board is composed of: 1 new director. 6 experienced directors. 1 highly experienced director. 2 independent directors (5 non-independent directors). Independent Director Parveen Malik was the last independent director to join the board, commencing their role in 2021. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Insufficient board refreshment. Reported Earnings • Sep 22
Full year 2021 earnings released: PK₨4.84 loss per share (vs PK₨0.034 profit in FY 2020) Full year 2021 results: PK₨4.84 loss per share (down from PK₨0.034 profit in FY 2020). Net loss: PK₨1.93b (down PK₨1.94b from profit in FY 2020). Non-performing loans: 5.33% (up from 4.63% in FY 2020). Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 142 percentage points per year, which is a significant difference in performance. Board Change • Aug 31
Less than half of directors are independent There is 1 new director who has joined the board in the last 3 years. The new board member was an independent director. The company's board is composed of: 1 new director. 7 experienced directors. 1 highly experienced director. 2 independent directors (6 non-independent directors). Independent Director Parveen Malik was the last independent director to join the board, commencing their role in 2021. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Insufficient board refreshment. Board Change • Aug 02
Less than half of directors are independent There is 1 new director who has joined the board in the last 3 years. The new board member was an independent director. The company's board is composed of: 1 new director. 7 experienced directors. 1 highly experienced director. 2 independent directors (6 non-independent directors). Independent Director Parveen Malik was the last independent director to join the board, commencing their role in 2021. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Insufficient board refreshment. Board Change • May 06
Less than half of directors are independent Following the recent departure of a director, there are only 2 independent directors on the board. The company's board is composed of: 2 independent directors. 6 non-independent directors. Independent Director Parveen Malik was the last independent director to join the board, commencing their role in 2021. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model. Board Change • Mar 24
Less than half of directors are independent Following the recent departure of a director, there are only 2 independent directors on the board. The company's board is composed of: 2 independent directors. 6 non-independent directors. Independent Director Parveen Malik was the last independent director to join the board, commencing their role in 2021. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model. Reported Earnings • Nov 01
Third quarter 2021 earnings released The company reported a poor third quarter result with weaker earnings, revenues and profit margins. Third quarter 2021 results: Revenue: PK₨509.0m (down 1.7% from 3Q 2020). Net income: PK₨1.44m (down 75% from 3Q 2020). Profit margin: 0.3% (down from 1.1% in 3Q 2020). Over the last 3 years on average, earnings per share has fallen by 60% per year but the company’s share price has increased by 58% per year, which means it is well ahead of earnings. Reported Earnings • Sep 05
Second quarter 2021 earnings released: EPS PK₨0.001 (vs PK₨0.044 in 2Q 2020) The company reported a poor second quarter result with weaker earnings, revenues and profit margins. Second quarter 2021 results: Revenue: PK₨509.8m (down 4.7% from 2Q 2020). Net income: PK₨452.1k (down 97% from 2Q 2020). Profit margin: 0.1% (down from 2.8% in 2Q 2020). Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 121 percentage points per year, which is a significant difference in performance. Reported Earnings • Mar 10
Full year 2020 earnings released: EPS PK₨0.11 (vs PK₨0.17 in FY 2019) The company reported a mediocre full year result with weaker earnings and profit margins, although revenues improved. Full year 2020 results: Revenue: PK₨2.14b (up 37% from FY 2019). Net income: PK₨37.2m (down 31% from FY 2019). Profit margin: 1.7% (down from 3.4% in FY 2019). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has fallen by 17% per year but the company’s share price has increased by 56% per year, which means it is well ahead of earnings. Announcement • Feb 19
Apna Microfinance Bank Limited Appoints Parveen Akhtar Malik as Independent Director with Effect from February 18, 2021 Apna Microfinance Bank Limited informed Pakistan Stock Exchange that Ms. Parveen Akhtar Malik has been appointed as Independent Director with effect from February 18, 2021. Is New 90 Day High Low • Feb 12
New 90-day high: PK₨23.69 The company is up 11% from its price of PK₨21.25 on 13 November 2020. The Pakistani market is also up 11% over the last 90 days, indicating the company’s price trend is similar to the market over that time. However, it outperformed the Banks industry, which is up 6.0% over the same period. Is New 90 Day High Low • Nov 19
New 90-day low: PK₨21.05 The company is down 11% from its price of PK₨23.77 on 21 August 2020. The Pakistani market is flat over the last 90 days, indicating the company underperformed over that time. It also underperformed the Banks industry, which is up 5.0% over the same period. Is New 90 Day High Low • Nov 09
New 90-day low: PK₨21.63 The company is down 10.0% from its price of PK₨23.99 on 03 August 2020. The Pakistani market is up 1.0% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Banks industry, which is up 3.0% over the same period. Is New 90 Day High Low • Oct 19
New 90-day low: PK₨21.95 The company is down 12% from its price of PK₨24.90 on 20 July 2020. The Pakistani market is up 4.0% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Banks industry, which is up 13% over the same period. 
