Financials Apna Microfinance Bank Limited

Equities

AMBL

PK0082601011

Banks

End-of-day quote Pakistan S.E. 06:00:00 2023-02-13 pm EST 5-day change 1st Jan Change
16.5 PKR -.--% Intraday chart for Apna Microfinance Bank Limited -.--% -.--%

Valuation

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Capitalization 1 1,948 1,700 8,362 7,946 10,725 8,279
Enterprise Value (EV) 1 -2,477 -1,955 2,205 -2,185 6,321 5,849
P/E ratio -22.3 x 45.3 x 143 x 213 x -5.17 x -1.84 x
Yield - - - - - -
Capitalization / Revenue 2.72 x 1.1 x 5.36 x 3.82 x -22.6 x -3.13 x
EV / Revenue -3.46 x -1.26 x 1.41 x -1.05 x -13.3 x -2.21 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 1.91 x 1.15 x 4.46 x 3.52 x 24.2 x -2.05 x
Nbr of stocks (in thousands) 250,000 250,000 343,985 343,985 428,985 428,985
Reference price 2 7.790 6.800 24.31 23.10 25.00 19.30
Announcement Date 4/11/18 4/3/19 4/8/20 3/25/21 9/20/22 6/12/23
1PKR in Million2PKR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Net sales 1 716.5 1,546 1,560 2,078 -474 -2,642
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 -188.3 100.5 89.34 57.87 -2,643 -4,876
Net income 1 -79.51 53.26 53.53 37.22 -1,931 -4,489
Net margin -11.1% 3.45% 3.43% 1.79% 407.34% 169.89%
EPS 2 -0.3500 0.1500 0.1696 0.1082 -4.838 -10.47
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share - - - - - -
Announcement Date 4/11/18 4/3/19 4/8/20 3/25/21 9/20/22 6/12/23
1PKR in Million2PKR
Estimates

Balance Sheet Analysis

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Net Debt 1 - - - - - -
Net Cash position 1 4,424 3,655 6,157 10,131 4,404 2,430
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) -9.2% 4.27% 3.2% 1.8% -145% 249%
ROA (Net income/ Total Assets) -0.58% 0.34% 0.28% 0.15% -7.24% -20.8%
Assets 1 13,771 15,805 19,089 24,697 26,681 21,624
Book Value Per Share 2 4.080 5.890 5.450 6.570 1.030 -9.430
Cash Flow per Share 2 18.50 14.70 17.80 29.50 12.10 6.930
Capex 1 118 57.7 147 68.6 69.6 36.8
Capex / Sales 16.48% 3.73% 9.45% 3.3% -14.68% -1.39%
Announcement Date 4/11/18 4/3/19 4/8/20 3/25/21 9/20/22 6/12/23
1PKR in Million2PKR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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