JS Bank Limited

KASE:JSBL Stock Report

Market Cap: PK₨23.3b

JS Bank Past Earnings Performance

Past criteria checks 4/6

JS Bank has been growing earnings at an average annual rate of 69.3%, while the Banks industry saw earnings growing at 24.6% annually. Revenues have been growing at an average rate of 40% per year. JS Bank's return on equity is 21.7%, and it has net margins of 15.4%.

Key information

69.3%

Earnings growth rate

62.6%

EPS growth rate

Banks Industry Growth20.1%
Revenue growth rate40.0%
Return on equity21.7%
Net Margin15.4%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

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

Earnings and Revenue History

KASE:JSBL Revenue, expenses and earnings (PKR Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 2483,21912,8373,6500
30 Jun 2474,58015,7933,5800
31 Mar 2460,08411,9623,1810
31 Dec 2345,9319,4492,8570
30 Sep 2329,7866,8682,2160
30 Jun 2324,6802,1062,1570
31 Mar 2322,3831,3762,2530
31 Dec 2220,2481,0821,2330
30 Sep 2218,7881,1161,0150
30 Jun 2217,6131,0551,0160
31 Mar 2216,5791,2774330
31 Dec 2116,1041,1954540
30 Sep 2116,7261,0314940
30 Jun 2116,2611,0364820
31 Mar 2116,6601,2144750
31 Dec 2016,3251,1105080
30 Sep 2016,0821,5904150
30 Jun 2014,7801,0525000
31 Mar 2012,7511364670
31 Dec 1911,751-2692720
30 Sep 1910,042-923-2,6010
30 Jun 1910,327-644880
31 Mar 1911,216236-2,5810
31 Dec 1811,8734352300
30 Sep 1812,9781,1495,6200
30 Jun 1812,7331,1995,2840
31 Mar 1811,8579059,8520
31 Dec 1711,1238479,2170
30 Sep 1711,7111,4118,2420
30 Jun 1711,3191,6887,4210
31 Mar 1711,6761,9977,4010
31 Dec 1611,4782,1496,9660
30 Sep 1610,3022,0076,2250
30 Jun 1610,3372,1585,9950
31 Mar 169,8772,1545,5440
31 Dec 159,3632,0965,1120
30 Sep 159,2381,8735,0970
30 Jun 158,5901,5964,8420
31 Mar 157,8661,4794,3720
31 Dec 147,2251,4464,0720
30 Sep 145,5367194,1050
30 Jun 145,5077593,7380
31 Mar 145,2456683,4330

Quality Earnings: JSBL has high quality earnings.

Growing Profit Margin: JSBL's current net profit margins (15.4%) are lower than last year (23.1%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: JSBL has become profitable over the past 5 years, growing earnings by 69.3% per year.

Accelerating Growth: JSBL's earnings growth over the past year (86.9%) exceeds its 5-year average (69.3% per year).

Earnings vs Industry: JSBL earnings growth over the past year (86.9%) exceeded the Banks industry 29.8%.

Return on Equity

High ROE: Whilst JSBL's Return on Equity (21.75%) 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 Analysis2025/01/14 06:27
End of Day Share Price 2025/01/14 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

JS Bank Limited is covered by 2 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Ujala AdnanElixir Securities Pakistan (Pvt) Ltd.
Shumaila BadarIsmail Iqbal Securities (Pvt.) Ltd.