Bank Alfalah Limited

KASE:BAFL Stock Report

Market Cap: PK₨127.8b

Bank Alfalah Past Earnings Performance

Past criteria checks 5/6

Bank Alfalah has been growing earnings at an average annual rate of 30.4%, while the Banks industry saw earnings growing at 25% annually. Revenues have been growing at an average rate of 28.6% per year. Bank Alfalah's return on equity is 25.7%, and it has net margins of 25.6%.

Key information

30.4%

Earnings growth rate

33.5%

EPS growth rate

Banks Industry Growth20.1%
Revenue growth rate28.6%
Return on equity25.7%
Net Margin25.6%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Bank Alfalah makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

KASE:BAFL Revenue, expenses and earnings (PKR Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 24172,76744,2655,7790
30 Jun 24159,65339,8265,7160
31 Mar 24150,38135,6945,8560
31 Dec 23145,55336,5115,7490
30 Sep 23124,81231,5785,4350
30 Jun 23115,75028,2495,2970
31 Mar 23103,19324,1344,6800
31 Dec 2287,33518,3952,7290
30 Sep 2280,03917,9962,6240
30 Jun 2270,98416,1932,5080
31 Mar 2265,02716,0581,8640
31 Dec 2160,80814,4371,5810
30 Sep 2156,46912,8951,2600
30 Jun 2153,88612,0571,2660
31 Mar 2151,51811,3511,2540
31 Dec 2050,59510,8321,0980
30 Sep 2052,82812,2061,1450
30 Jun 2052,80012,5011,6540
31 Mar 2052,86312,7711,4610
31 Dec 1952,85213,0471,8930
30 Sep 1949,21211,5482,1380
30 Jun 1946,81611,0431,6740
31 Mar 1945,24510,7981,7860
31 Dec 1843,27610,8991,0240
30 Sep 1841,4579,868-16,5270
30 Jun 1840,8809,547-10,5700
31 Mar 1840,3428,701-4,3880
31 Dec 1739,3628,3141,0140
30 Sep 1739,4668,78422,8910
30 Jun 1738,7598,53122,7710
31 Mar 1738,1038,25222,4860
31 Dec 1637,3277,89022,3960
30 Sep 1637,2397,95622,1960
30 Jun 1637,1888,10621,7180
31 Mar 1636,3987,98120,9980
31 Dec 1535,4307,50320,5890
30 Sep 1535,1747,69620,4970
30 Jun 1533,4246,91520,1980
31 Mar 1530,9576,53019,4010
31 Dec 1429,4825,76519,0250

Quality Earnings: BAFL has high quality earnings.

Growing Profit Margin: BAFL's current net profit margins (25.6%) are higher than last year (25.3%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: BAFL's earnings have grown significantly by 30.4% per year over the past 5 years.

Accelerating Growth: BAFL's earnings growth over the past year (40.2%) exceeds its 5-year average (30.4% per year).

Earnings vs Industry: BAFL earnings growth over the past year (40.2%) exceeded the Banks industry 30.1%.

Return on Equity

High ROE: Whilst BAFL's Return on Equity (25.72%) is high, this metric is skewed due to their high level of debt.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/25 05:33
End of Day Share Price 2024/12/24 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Bank Alfalah Limited is covered by 21 analysts. 2 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Hassan Ali MiabhoyAKD Research
null nullAKD Research
Syeda Khadija Tul QubraAkseer Research (Pvt.) Limited