Stock BAFL BANK ALFALAH LIMITED
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Financials Bank Alfalah Limited

Equities

BAFL

PK0078701015

Banks

End-of-day quote Pakistan S.E.
Other stock markets
 06:00:00 2024-04-25 pm EDT 		5-day change 1st Jan Change
59.04 PKR +0.79% Intraday chart for Bank Alfalah Limited +2.41% +21.71%
Apr. 16 Bank Alfalah to Acquire Samba Bank CI
Feb. 01 Bank Alfalah Limited Reports Earnings Results for the Full Year Ended December 31, 2023 CI

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 81,216 62,787 61,490 53,564 76,508 93,116 - -
Enterprise Value (EV) 1 81,216 62,787 61,490 53,564 76,508 93,116 93,116 93,116
P/E ratio 6.22 x 5.79 x 4.33 x 2.9 x 2.1 x 2.29 x 2.5 x 2.45 x
Yield 8.75% 11.3% 11.6% 16.6% - 15.3% 15.6% 18%
Capitalization / Revenue 1.81 x 1.4 x 1.34 x 0.54 x 0.49 x 0.68 x 0.67 x 0.6 x
EV / Revenue 1.81 x 1.4 x 1.34 x 0.54 x 0.49 x 0.68 x 0.67 x 0.6 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 0.91 x 0.68 x 0.6 x 0.48 x - 0.58 x 0.5 x 0.44 x
Nbr of stocks (in thousands) 1,777,165 1,777,165 1,777,165 1,777,165 1,577,165 1,577,165 - -
Reference price 2 45.70 35.33 34.60 30.14 48.51 59.04 59.04 59.04
Announcement Date 2/14/20 2/3/21 3/7/22 2/2/23 2/1/24 - - -
1PKR in Million2PKR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 44,862 44,694 46,048 99,977 156,039 136,403 139,965 153,969
EBITDA - - - - - - - -
EBIT 25,944 26,032 - 49,145 - - - -
Operating Margin 57.83% 58.25% - 49.16% - - - -
Earnings before Tax (EBT) 1 22,915 18,443 - 36,677 78,738 77,500 75,900 -
Net income 1 13,047 10,832 14,217 18,395 36,511 38,704 37,176 39,622
Net margin 29.08% 24.24% 30.87% 18.4% 23.4% 28.38% 26.56% 25.73%
EPS 2 7.350 6.100 8.000 10.38 23.15 25.80 23.64 24.10
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 4.000 4.000 4.000 5.000 - 9.025 9.225 10.65
Announcement Date 2/14/20 2/3/21 3/7/22 2/2/23 2/1/24 - - -
1PKR in Million2PKR
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2020 S1 2021 S1 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 S1 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 S1 2023 Q3 2023 Q4 2024 Q1
Net sales 23,357 30,329 15,866 12,155 18,755 24,743 43,498 - - - - - - - -
EBITDA - - - - - - - - - - - - - - -
EBIT - - - - - - - - - - - - - - -
Operating Margin - - - - - - - - - - - - - - -
Earnings before Tax (EBT) 9,900 11,438 - 6,277 7,866 9,306 17,173 11,014 - 18,974 16,891 35,865 17,325 - -
Net income 5,778 6,995 3,724 3,736 5,033 3,726 8,759 5,519 - 10,743 - - - - -
Net margin 24.74% 23.06% 23.47% 30.73% 26.84% 15.06% 20.14% - - - - - - - -
EPS 1 3.250 3.940 2.090 2.100 2.830 2.100 4.930 3.100 2.350 6.810 5.000 - 5.610 5.730 5.257
Dividend per Share 1 - - - 2.000 - 2.500 2.500 - - - 3.000 - - - 1.500
Announcement Date 8/26/20 8/25/21 10/25/21 3/7/22 4/29/22 8/4/22 8/4/22 10/24/22 2/2/23 5/8/23 8/17/23 8/17/23 10/31/23 2/1/24 -
1PKR
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 15.7% 11.6% 15.3% 18.1% - 25.6% 21.3% 19.9%
ROA (Net income/ Total Assets) 1.26% 0.87% 0.92% - - - - -
Assets 1 1,035,460 1,245,072 1,545,326 - - - - -
Book Value Per Share 2 50.20 52.10 57.30 63.40 - 102.0 119.0 134.0
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 2/14/20 2/3/21 3/7/22 2/2/23 2/1/24 - - -
1PKR in Million2PKR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Bank Alfalah Limited

Trading Rating
Investor Rating
ESG Refinitiv
B
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
9
Last Close Price
59.04 PKR
Average target price
63.91 PKR
Spread / Average Target
+8.25%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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