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MCBA

MCB-Arif Habib Savings and InvestmentsKASE:MCBAH Stock Report

Market Cap

PK₨2.2b

7D

-7.8%

1Y

11.6%

Updated

20 Oct, 2021

Data

Company Financials
MCBAH fundamental analysis
Snowflake Score
Valuation2/6
Future Growth0/6
Past Performance5/6
Financial Health6/6
Dividends3/6

MCBAH Overview

MCB-Arif Habib Savings and Investments Limited is a publicly owned investment manager.

Price History & Performance

Summary of all time highs, changes and price drops for MCB-Arif Habib Savings and Investments
Historical stock prices
Current Share PricePK₨30.15
52 Week HighPK₨25.52
52 Week LowPK₨44.50
Beta0.70
1 Month Change-15.05%
3 Month Change-12.33%
1 Year Change11.58%
3 Year Change42.15%
5 Year Change5.83%
Change since IPO-54.94%

Recent News & Updates

Shareholder Returns

MCBAHPK Capital MarketsPK Market
7D-7.8%2.2%1.0%
1Y11.6%-1.5%-0.5%

Return vs Industry: MCBAH exceeded the PK Capital Markets industry which returned -1.5% over the past year.

Return vs Market: MCBAH exceeded the PK Market which returned -0.5% over the past year.

Price Volatility

Is MCBAH's price volatile compared to industry and market?
MCBAH volatility
MCBAH Beta0.70
Industry Beta0.84
Market Beta1

Stable Share Price: MCBAH is not significantly more volatile than the rest of PK stocks over the past 3 months, typically moving +/- 5% a week.

Volatility Over Time: MCBAH's weekly volatility (5%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
2000311Muhammad Saleemhttps://www.mcbah.com

MCB-Arif Habib Savings and Investments Limited is a publicly owned investment manager. The firm also provides wealth management and investment advisory services to its clients. It provides its services to individual as well as institutional clients.

MCB-Arif Habib Savings and Investments Fundamentals Summary

How do MCB-Arif Habib Savings and Investments's earnings and revenue compare to its market cap?
MCBAH fundamental statistics
Market CapPK₨2.17b
Earnings (TTM)PK₨376.43m
Revenue (TTM)PK₨993.69m

5.8x

P/E Ratio

2.2x

P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
MCBAH income statement (TTM)
RevenuePK₨993.69m
Cost of RevenuePK₨9.90m
Gross ProfitPK₨983.79m
ExpensesPK₨607.36m
EarningsPK₨376.43m

Last Reported Earnings

Jun 30, 2021

Next Earnings Date

n/a

Earnings per share (EPS)5.23
Gross Margin99.00%
Net Profit Margin37.88%
Debt/Equity Ratio0%

How did MCBAH perform over the long term?

See historical performance and comparison

Dividends

18.2%

Current Dividend Yield

96%

Payout Ratio

Valuation

Is MCB-Arif Habib Savings and Investments undervalued compared to its fair value and its price relative to the market?

5.77x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: Insufficient data to calculate MCBAH's fair value to establish if it is undervalued.

Significantly Below Fair Value: Insufficient data to calculate MCBAH's fair value to establish if it is undervalued.


Price To Earnings Ratio

PE vs Industry: MCBAH is good value based on its PE Ratio (5.8x) compared to the PK Capital Markets industry average (9.7x).

PE vs Market: MCBAH is good value based on its PE Ratio (5.8x) compared to the PK market (7.8x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate MCBAH's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: MCBAH is overvalued based on its PB Ratio (1.4x) compared to the PK Capital Markets industry average (1.1x).


Future Growth

How is MCB-Arif Habib Savings and Investments forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

13.0%

Forecasted Diversified Financials industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as MCB-Arif Habib Savings and Investments has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Past Performance

How has MCB-Arif Habib Savings and Investments performed over the past 5 years?

11.0%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: MCBAH has high quality earnings.

Growing Profit Margin: MCBAH's current net profit margins (37.9%) are higher than last year (30.8%).


Past Earnings Growth Analysis

Earnings Trend: MCBAH's earnings have grown by 11% per year over the past 5 years.

Accelerating Growth: MCBAH's earnings growth over the past year (46.1%) exceeds its 5-year average (11% per year).

Earnings vs Industry: MCBAH earnings growth over the past year (46.1%) underperformed the Capital Markets industry 152.3%.


Return on Equity

High ROE: MCBAH's Return on Equity (23.5%) is considered high.


Financial Health

How is MCB-Arif Habib Savings and Investments's financial position?


Financial Position Analysis

Short Term Liabilities: MCBAH's short term assets (PKR1.4B) exceed its short term liabilities (PKR687.2M).

Long Term Liabilities: MCBAH's short term assets (PKR1.4B) exceed its long term liabilities (PKR85.2M).


Debt to Equity History and Analysis

Debt Level: MCBAH is debt free.

Reducing Debt: MCBAH had no debt 5 years ago.

Debt Coverage: MCBAH has no debt, therefore it does not need to be covered by operating cash flow.

Interest Coverage: MCBAH has no debt, therefore coverage of interest payments is not a concern.


Balance Sheet


Dividend

What is MCB-Arif Habib Savings and Investments's current dividend yield, its reliability and sustainability?

18.24%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: MCBAH's dividend (18.24%) is higher than the bottom 25% of dividend payers in the PK market (3.26%).

High Dividend: MCBAH's dividend (18.24%) is in the top 25% of dividend payers in the PK market (10.48%)


Stability and Growth of Payments

Stable Dividend: MCBAH's dividend payments have been volatile in the past 10 years.

Growing Dividend: MCBAH's dividend payments have increased over the past 10 years.


Current Payout to Shareholders

Dividend Coverage: With its high payout ratio (95.6%), MCBAH's dividend payments are not well covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

1.8yrs

Average management tenure


CEO

Muhammad Saleem

5.5yrs

Tenure

Mr. Muhammad Saqib Saleem has been the Chief Executive Officer of MCB-Arif Habib Savings and Investments Limited since April 18, 2016 and serves as its Executive Director. Mr. Saleem served as the Chief Op...


Leadership Team

Experienced Management: MCBAH's management team is not considered experienced ( 1.8 years average tenure), which suggests a new team.


Board Members

Experienced Board: MCBAH's board of directors are not considered experienced ( 1.8 years average tenure), which suggests a new board.


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

MCB-Arif Habib Savings and Investments Limited's employee growth, exchange listings and data sources


Key Information

  • Name: MCB-Arif Habib Savings and Investments Limited
  • Ticker: MCBAH
  • Exchange: KASE
  • Founded: 2000
  • Industry: Asset Management and Custody Banks
  • Sector: Diversified Financials
  • Market Cap: PK₨2.171b
  • Shares outstanding: 72.00m
  • Website: https://www.mcbah.com

Number of Employees


Location

  • MCB-Arif Habib Savings and Investments Limited
  • 2nd Floo
  • Adamjee House, I.I. Chundrigar Road
  • Karachi
  • 74900
  • Pakistan

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/10/20 15:25
End of Day Share Price2021/10/20 00:00
Earnings2021/06/30
Annual Earnings2021/06/30


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.