Financials JS Bank Limited

Equities

JSBL

PK0088201014

Banks

End-of-day quote Pakistan S.E. 06:00:00 2024-04-29 pm EDT 5-day change 1st Jan Change
9.95 PKR -0.10% Intraday chart for JS Bank Limited +7.68% +10.07%

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 9,679 7,006 8,330 6,254 6,085 18,538
Enterprise Value (EV) 1 40,753 -36,106 -2,782 22,010 75,887 44,762
P/E ratio 21.7 x -26 x 7.5 x 5.23 x 5.63 x 1.51 x
Yield - - - - - -
Capitalization / Revenue 0.82 x 0.6 x 0.51 x 0.39 x 0.3 x 0.4 x
EV / Revenue 3.43 x -3.07 x -0.17 x 1.37 x 3.75 x 0.97 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 0.57 x 0.37 x 0.37 x 0.27 x 0.27 x 0.37 x
Nbr of stocks (in thousands) 1,297,464 1,297,464 1,297,464 1,297,464 1,297,464 2,050,663
Reference price 2 7.460 5.400 6.420 4.820 4.690 9.040
Announcement Date 3/15/19 3/6/20 3/8/21 3/9/22 3/10/23 3/8/24
1PKR in Million2PKR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 11,873 11,748 16,325 16,105 20,248 45,931
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 1,071 -85.8 2,169 2,258 2,309 18,331
Net income 1 615.2 -245.3 1,110 1,195 1,082 9,449
Net margin 5.18% -2.09% 6.8% 7.42% 5.34% 20.57%
EPS 2 0.3434 -0.2077 0.8558 0.9208 0.8338 5.988
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share - - - - - -
Announcement Date 3/15/19 3/6/20 3/8/21 3/9/22 3/10/23 3/8/24
1PKR in Million2PKR
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 31,073 - - 15,757 69,802 26,224
Net Cash position 1 - 43,113 11,112 - - -
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 3.35% -1.35% 5.23% 5.21% 4.63% 25%
ROA (Net income/ Total Assets) 0.15% -0.05% 0.22% 0.22% 0.18% 1.12%
Assets 1 411,473 446,785 505,865 552,332 600,314 841,842
Book Value Per Share 2 13.00 14.60 17.30 18.10 17.60 24.60
Cash Flow per Share 2 23.00 17.50 21.70 24.50 19.60 38.30
Capex 1 1,251 - 1,541 1,904 1,540 3,659
Capex / Sales 10.53% - 9.44% 11.82% 7.61% 7.97%
Announcement Date 3/15/19 3/6/20 3/8/21 3/9/22 3/10/23 3/8/24
1PKR in Million2PKR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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