National Bank of Pakistan

KASE:NBP Stock Report

Market Cap: PK₨127.2b

National Bank of Pakistan Past Earnings Performance

Past criteria checks 1/6

National Bank of Pakistan has been growing earnings at an average annual rate of 13.1%, while the Banks industry saw earnings growing at 25% annually. Revenues have been growing at an average rate of 16.7% per year. National Bank of Pakistan's return on equity is 4.2%, and it has net margins of 8.5%.

Key information

13.1%

Earnings growth rate

13.1%

EPS growth rate

Banks Industry Growth20.1%
Revenue growth rate16.7%
Return on equity4.2%
Net Margin8.5%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

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

Earnings and Revenue History

KASE:NBP Revenue, expenses and earnings (PKR Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 24203,09217,3201,4360
30 Jun 24204,01226,6591,2810
31 Mar 24199,79151,5611,6010
31 Dec 23197,27353,1021,1590
30 Sep 23176,50350,9601,3030
30 Jun 23165,63945,6641,0850
31 Mar 23150,03832,3881,0110
31 Dec 22142,80730,8359360
30 Sep 22140,16323,2715760
30 Jun 22135,70223,8265480
31 Mar 22130,18430,4823790
31 Dec 21124,72028,6003710
30 Sep 21114,25228,9012970
30 Jun 21118,40332,4033390
31 Mar 21117,12934,1853120
31 Dec 20111,00330,4903200
30 Sep 20109,77426,1022400
30 Jun 2098,90720,2962580
31 Mar 2095,79116,4472740
31 Dec 1996,41616,5833020
30 Sep 1997,34420,3756570
30 Jun 1993,61018,6107190
31 Mar 1989,16219,1077120
31 Dec 1887,73019,9137080
30 Sep 1886,58624,629-36,7290
30 Jun 1889,42327,320-24,9420
31 Mar 1887,18724,105-12,3080
31 Dec 1786,69523,1814800
30 Sep 1790,84224,12649,4660
30 Jun 1786,73021,48549,0380
31 Mar 1789,60323,15648,4250
31 Dec 1687,44923,04047,2920
30 Sep 1684,00922,39444,8150
30 Jun 1684,30723,27544,1830
31 Mar 1680,76519,98943,4110
31 Dec 1579,80420,04342,6530
30 Sep 1571,89115,05643,0010
30 Jun 1570,99714,18742,4020
31 Mar 1571,25116,93341,8480
31 Dec 1468,55016,08540,6320
30 Sep 1461,97911,64039,9270
30 Jun 1453,9078,00038,9390
31 Mar 1446,0054,97537,3590
31 Dec 1345,8365,27536,7420

Quality Earnings: NBP has a large one-off loss of PKR49.0B impacting its last 12 months of financial results to 30th September, 2024.

Growing Profit Margin: NBP's current net profit margins (8.5%) are lower than last year (28.9%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: NBP's earnings have grown by 13.1% per year over the past 5 years.

Accelerating Growth: NBP's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: NBP had negative earnings growth (-66%) over the past year, making it difficult to compare to the Banks industry average (30.1%).

Return on Equity

High ROE: NBP's Return on Equity (4.2%) 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 Analysis2024/12/19 02:06
End of Day Share Price 2024/12/19 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

National Bank of Pakistan is covered by 15 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
Hamza KamalAKD Research
Sana TawfikArif Habib Limited
null nullArif Habib Limited