The Bank of Punjab

KASE:BOP Stock Report

Market Cap: PK₨31.2b

Bank of Punjab Past Earnings Performance

Past criteria checks 5/6

Bank of Punjab has been growing earnings at an average annual rate of 9.1%, while the Banks industry saw earnings growing at 25% annually. Revenues have been growing at an average rate of 18.8% per year. Bank of Punjab's return on equity is 15.9%, and it has net margins of 18.4%.

Key information

9.1%

Earnings growth rate

9.1%

EPS growth rate

Banks Industry Growth20.1%
Revenue growth rate18.8%
Return on equity15.9%
Net Margin18.4%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

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

Earnings and Revenue History

KASE:BOP Revenue, expenses and earnings (PKR Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 2470,65413,0321,3680
30 Jun 2465,24211,9871,1300
31 Mar 2461,64411,5821,0900
31 Dec 2358,57311,0811,0080
30 Sep 2349,7438,9437930
30 Jun 2346,5628,6068060
31 Mar 2345,9339,6418380
31 Dec 2246,36310,6288510
30 Sep 2244,87711,2019990
30 Jun 2244,37912,1751,0200
31 Mar 2241,89612,6351,2340
31 Dec 2139,58012,3161,0150
30 Sep 2134,7409,7041,0740
30 Jun 2132,3968,7461,0970
31 Mar 2130,9967,1548790
31 Dec 2029,6336,8196920
30 Sep 2030,6807,7947130
30 Jun 2030,0777,7796060
31 Mar 2029,3607,7704800
31 Dec 1929,0898,1603890
30 Sep 1928,1788,139980
30 Jun 1926,8567,6571320
31 Mar 1926,1797,4691600
31 Dec 1825,0067,5371410
30 Sep 1810,519-1,050-7,2540
30 Jun 188,632-1,728-4,6900
31 Mar 186,380-3,003-2,1240
31 Dec 175,288-3,3841180
30 Sep 1717,3894,0419,4530
30 Jun 1717,2574,2379,0060
31 Mar 1717,2814,9218,5390
31 Dec 1616,4384,8218,2160
30 Sep 1615,9525,0008,0350
30 Jun 1615,3544,7517,8080
31 Mar 1615,2374,8667,4620
31 Dec 1515,1714,7187,2320
30 Sep 1513,9824,4396,9840
30 Jun 1513,3204,2036,6650
31 Mar 1512,3263,7016,4440
31 Dec 1410,6142,8426,0830
30 Sep 1410,1162,6695,7730
30 Jun 149,2502,2995,4850
31 Mar 148,6242,0495,2520
31 Dec 138,2631,9155,0930

Quality Earnings: BOP has high quality earnings.

Growing Profit Margin: BOP's current net profit margins (18.4%) are higher than last year (18%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: BOP's earnings have grown by 9.1% per year over the past 5 years.

Accelerating Growth: BOP's earnings growth over the past year (45.7%) exceeds its 5-year average (9.1% per year).

Earnings vs Industry: BOP earnings growth over the past year (45.7%) exceeded the Banks industry 30.1%.

Return on Equity

High ROE: BOP's Return on Equity (15.9%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/22 00:58
End of Day Share Price 2024/12/20 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

The Bank of Punjab is covered by 11 analysts. 1 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
null nullAKD Research
null nullArif Habib Limited
Imtiaz GadarBIPL Securities Limited