Bank Alfalah Future Growth

Future criteria checks 0/6

Bank Alfalah's revenue and earnings are forecast to decline at 18.3% and 10.1% per annum respectively. EPS is expected to decline by 11% per annum. Return on equity is forecast to be 17.7% in 3 years.

Key information

-10.1%

Earnings growth rate

-11.0%

EPS growth rate

Banks earnings growth	5.9%
Revenue growth rate	-18.3%
Future return on equity	17.7%
Analyst coverage	Low
Last updated	25 Oct 2024

Recent future growth updates

Recent updates

Earnings and Revenue Growth Forecasts

KASE:BAFL - Analysts future estimates and past financials data (PKR Millions)
Date	Revenue	Earnings	Free Cash Flow	Cash from Op	Avg. No. Analysts
12/31/2026	112,850	35,476	N/A	N/A	1
12/31/2025	121,595	37,788	N/A	N/A	2
12/31/2024	123,629	41,807	N/A	N/A	1
9/30/2024	172,767	44,265	-167,090	-147,201	N/A
6/30/2024	159,653	39,826	57,963	79,131	N/A
3/31/2024	150,381	35,694	-92,918	-73,834	N/A
12/31/2023	145,553	36,511	145,126	157,917	N/A
9/30/2023	124,812	31,578	76,682	88,103	N/A
6/30/2023	115,750	28,249	98,328	106,551	N/A
3/31/2023	103,193	24,134	56,289	63,312	N/A
12/31/2022	87,335	18,395	114,216	122,937	N/A
9/30/2022	80,039	17,996	165,052	173,522	N/A
6/30/2022	70,984	16,193	-24,984	-17,304	N/A
3/31/2022	65,027	16,058	125,920	132,596	N/A
12/31/2021	60,808	14,437	7,616	11,488	N/A
9/30/2021	56,469	12,895	-66,289	-63,404	N/A
6/30/2021	53,886	12,057	49,175	52,702	N/A
3/31/2021	51,518	11,351	28,582	31,942	N/A
12/31/2020	50,595	10,832	100,910	104,507	N/A
9/30/2020	52,828	12,206	101,742	105,941	N/A
6/30/2020	52,800	12,501	123,843	127,446	N/A
3/31/2020	52,863	12,771	100,407	104,271	N/A
12/31/2019	52,852	13,047	-2,222	1,645	N/A
9/30/2019	49,212	11,548	57,531	60,400	N/A
6/30/2019	46,816	11,043	-122,952	-120,662	N/A
3/31/2019	45,245	10,798	-160,680	-158,864	N/A
12/31/2018	43,276	10,899	-201,753	-200,431	N/A
9/30/2018	41,457	9,868	-217,838	-216,647	N/A
6/30/2018	40,880	9,547	N/A	-87,168	N/A
3/31/2018	40,342	8,701	N/A	-137,194	N/A
12/31/2017	39,362	8,314	N/A	-6,403	N/A
9/30/2017	39,466	8,784	N/A	-608	N/A
6/30/2017	38,759	8,531	N/A	-30,574	N/A
3/31/2017	38,103	8,252	N/A	-4,470	N/A
12/31/2016	37,327	7,890	N/A	-30,114	N/A
9/30/2016	37,239	7,956	N/A	-12,060	N/A
6/30/2016	37,188	8,106	N/A	20,253	N/A
3/31/2016	36,398	7,981	N/A	24,134	N/A
12/31/2015	35,430	7,503	N/A	68,844	N/A
9/30/2015	35,174	7,696	N/A	57,359	N/A
6/30/2015	33,424	6,915	N/A	9,183	N/A
3/31/2015	30,957	6,530	N/A	8,244	N/A
12/31/2014	29,482	5,765	N/A	-29,086	N/A

Analyst Future Growth Forecasts

Earnings vs Savings Rate: BAFL's earnings are forecast to decline over the next 3 years (-10.1% per year).

Earnings vs Market: BAFL's earnings are forecast to decline over the next 3 years (-10.1% per year).

High Growth Earnings: BAFL's earnings are forecast to decline over the next 3 years.

Revenue vs Market: BAFL's revenue is expected to decline over the next 3 years (-18.3% per year).

High Growth Revenue: BAFL's revenue is forecast to decline over the next 3 years (-18.3% per year).

Earnings per Share Growth Forecasts

Future Return on Equity

Future ROE: BAFL's Return on Equity is forecast to be low in 3 years time (17.7%).

Bank Alfalah Future Growth

Future criteria checks 0/6

Key information

Recent future growth updates

Price target increased by 9.2% to PK₨71.03

Price target increased by 8.7% to PK₨60.46

Price target increased by 8.4% to PK₨55.60

Consensus EPS estimates increase by 12%

Consensus EPS estimates increase by 14%

Consensus EPS estimates increase by 13%

Recent updates

Upcoming dividend of PK₨2.00 per share

Third quarter 2024 earnings released: EPS: PK₨8.43 (vs PK₨5.61 in 3Q 2023)

Investor sentiment improves as stock rises 17%

Second quarter 2024 earnings released: EPS: PK₨7.59 (vs PK₨4.97 in 2Q 2023)

Dividend of PK₨2.00 announced

Bank Alfalah Limited to Report First Half, 2024 Results on Aug 01, 2024

Price target increased by 9.2% to PK₨71.03

First quarter 2024 earnings released: EPS: PK₨6.31 (vs PK₨6.83 in 1Q 2023)

Bank Alfalah to Acquire Samba Bank

Upcoming dividend of PK₨5.00 per share

Price target increased by 8.7% to PK₨60.46

Dividend of PK₨5.00 announced

Price target increased by 8.4% to PK₨55.60

Investor sentiment improves as stock rises 17%

Third quarter 2023 earnings released: EPS: PK₨5.61 (vs PK₨3.10 in 3Q 2022)

Now 21% undervalued

Now 21% undervalued

New major risk - Revenue and earnings growth

Second quarter 2023 earnings released: EPS: PK₨4.97 (vs PK₨2.10 in 2Q 2022)

Upcoming dividend of PK₨3.00 per share at 12% yield

First quarter 2023 earnings released: EPS: PK₨6.83 (vs PK₨2.83 in 1Q 2022)

Consensus EPS estimates increase by 12%

Consensus EPS estimates increase by 14%

Upcoming dividend of PK₨2.50 per share at 16% yield

Full year 2022 earnings released: EPS: PK₨10.38 (vs PK₨8.12 in FY 2021)

Consensus EPS estimates increase by 13%

Price target decreased by 7.6% to PK₨50.50

Consensus revenue estimates decrease by 11%

Price target increased to PK₨55.15

Less than half of directors are independent

Third quarter 2022 earnings released: EPS: PK₨3.10 (vs PK₨2.09 in 3Q 2021)

Consensus forecasts updated

Second quarter 2022 earnings: Revenues exceed analysts expectations while EPS lags behind

Upcoming dividend of PK₨2.50 per share

First quarter 2022 earnings: EPS exceeds analyst expectations

Less than half of directors are independent

Upcoming dividend of PK₨2.00 per share

Full year 2021 earnings: EPS exceeds analyst expectations

Price target increased to PK₨50.58

Third quarter 2021 earnings released: EPS PK₨2.09 (vs PK₨1.62 in 3Q 2020)

Second quarter 2021 earnings released: EPS PK₨2.02 (vs PK₨1.62 in 2Q 2020)

Bank Alfalah Joins Race to Acquire Silkbank's Consumer Portfolio

First quarter 2021 earnings released: EPS PK₨1.92 (vs PK₨1.63 in 1Q 2020)

Analysts update estimates

New 90-day low: PK₨33.03

Full year 2020 earnings released: EPS PK₨6.10 (vs PK₨7.35 in FY 2019)

Revenue and earnings miss expectations

Full year 2020 earnings released: EPS PK₨6.10 (vs PK₨7.35 in FY 2019)

Revenue and earnings miss expectations

Analysts update estimates

New 90-day high: PK₨37.32

New 90-day high: PK₨36.30

New 90-day low: PK₨33.07

Third-quarter earnings released: Earnings beat expectations

Third quarter earnings released

New 90-day low: PK₨34.00

Price target lowered to PK₨41.69

First half earnings released

Price target lowered to PK₨49.00

New 90-day high - PK₨36.55

Earnings and Revenue Growth Forecasts

Analyst Future Growth Forecasts

Earnings per Share Growth Forecasts

Future Return on Equity

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