Business Description
Bank Alfalah Ltd
ISIN : PK0078701015
Total Employee Number:
17,543Description
Bank Alfalah Ltd is a banking company that provides financial services to retail, corporate and public sector customers. The Bank offers products and services including loans, deposits, project and trade financing, investment banking, wealth management, credit cards, auto loans, housing finance and personal loans, money market, capital market and foreign exchange operations. It also provides digital banking services through mobile app, internet banking, ATMs and contact center. The Bank operates through the segments Retail Banking, Corporate Banking, Islamic (Domestic Operations), Treasury, Digital Banking, Overseas and Others, and operates in three geographical regions namely Pakistan, Asia Pacific (including South Asia) and the Middle East.
Financial Strength
2/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Cash-To-Debt | 3.89 | |||||
Equity-to-Asset | 0.06 | |||||
Debt-to-Equity | 0.33 | |||||
Debt-to-EBITDA | N/A |
N/A
|
N/A
| |||
Interest Coverage | N/A |
N/A
|
N/A
| |||
Piotroski F-Score | 4/9 | |||||
Beneish M-Score | -1.59 | |||||
WACC vs ROIC | ||||||
Growth Rank
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Revenue Growth Rate | 28.2 | |||||
3-Year EPS without NRI Growth Rate | 19.6 | |||||
3-Year FCF Growth Rate | -26.4 | |||||
3-Year Book Growth Rate | 25.2 |
Momentum Rank
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
5-Day RSI | 68.37 | |||||
9-Day RSI | 63.45 | |||||
14-Day RSI | 60.28 | |||||
3-1 Month Momentum % | 3.23 | |||||
6-1 Month Momentum % | 5.27 | |||||
12-1 Month Momentum % | 41.13 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Dividend Yield % | 8.87 | |||||
Dividend Payout Ratio | 0.63 | |||||
3-Year Dividend Growth Rate | 30.5 | |||||
Forward Dividend Yield % | 8.87 | |||||
5-Year Yield-on-Cost % | 27.34 | |||||
Shareholder Yield % | 27.93 |
Profitability Rank
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Net Margin % | 16.4 | |||||
FCF Margin % | -258.3 | |||||
OCF Margin % | -252.31 | |||||
ROE % | 16.54 | |||||
ROA % | 0.94 | |||||
Years of Profitability over Past 10-Year | 10 |
GF Value Rank
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
PE Ratio | 6.8 | |||||
Forward PE Ratio | 7.09 | |||||
PE Ratio without NRI | 6.83 | |||||
Shiller PE Ratio | 9.22 | |||||
PEG Ratio | 0.31 | |||||
PS Ratio | 1.06 | |||||
PB Ratio | 0.93 | |||||
Price-to-Tangible-Book | 1.03 | |||||
EV-to-Revenue | 0.06 | |||||
EV-to-Forward-Revenue | 1.83 | |||||
Price-to-GF-Value | 1.66 | |||||
Price-to-Projected-FCF | 0.15 | |||||
Price-to-DCF (Earnings Based) | 0.24 | |||||
Price-to-Median-PS-Value | 1.09 | |||||
Price-to-Peter-Lynch-Fair-Value | 0.32 | |||||
Price-to-Graham-Number | 0.58 | |||||
FCF Yield % | -256.87 | |||||
Forward Rate of Return (Yacktman) % | 135.8 |
Operating Revenue by Business Segment
Operating Revenue by Geographic Region
Historical Operating Revenue by Business Segment
Historical Operating Revenue by Geographic Region
Guru Trades
See DetailsInsider Trades
See DetailsPeter Lynch Chart
Performance
Dividend
Log
Bar
Annualized Return % Â
Total Annual Return % Â
Bank Alfalah Ltd Executives
DetailsAnalyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil ₨) | 193,346.169 | ||
| EPS (TTM) (₨) | 10.05 | ||
| Beta | - | ||
| 3-Year Sharpe Ratio | 1.41 | ||
| 3-Year Sortino Ratio | 3.36 | ||
| Volatility % | 33.66 | ||
| 14-Day RSI | 60.28 | ||
| 14-Day ATR (₨) | 1.987367 | ||
| 20-Day SMA (₨) | 59.446 | ||
| 12-1 Month Momentum % | 41.13 | ||
| 52-Week Range (₨) | 41.5 - 68.5 | ||
| Shares Outstanding (Mil) | 3,154.33 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 4 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
Bank Alfalah Ltd Filings
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
Bank Alfalah Ltd Stock Events
| Event | Date | Price (₨) | ||
|---|---|---|---|---|
| PKR 1.500000 Cash Dividend | 2026-05-05 | 59.95 (-1.32%) | ||
| 2:1 Stock Split | 2026-04-20 | 62.67 (+2.11%) | ||
| PKR 1.500000 Cash Dividend | 2026-03-16 | 56.86 (-1.97%) | ||
| PKR 1.250000 Cash Dividend | 2025-11-03 | 55.61 (+6.43%) | ||
| PKR 1.250000 Cash Dividend | 2025-08-08 | 45.65 (+1.10%) | ||
| PKR 1.250000 Cash Dividend | 2025-04-28 | 37.07 (-0.48%) | ||
| PKR 1.250000 Cash Dividend | 2025-03-10 | 38.89 (+0.03%) | ||
| PKR 1.000000 Cash Dividend | 2024-10-29 | 34.23 (+1.42%) | ||
| PKR 1.000000 Cash Dividend | 2024-08-09 | 30.73 (-0.07%) | ||
| 1.1:1 Stock Split | 2018-09-14 | 25.45 (-1.62%) |
Show
Entries
Bank Alfalah Ltd Frequently Asked Questions
What is Bank Alfalah Ltd(KAR:BAFL)'s stock price today?
The current price of KAR:BAFL is ₨61.64. The 52 week high of KAR:BAFL is ₨68.50 and 52 week low is ₨41.50.
When is next earnings date of Bank Alfalah Ltd(KAR:BAFL)?
The next earnings date of Bank Alfalah Ltd(KAR:BAFL) is .
Does Bank Alfalah Ltd(KAR:BAFL) pay dividends? If so, how much?
The Dividend Yield %  of Bank Alfalah Ltd(KAR:BAFL) is 8.87% (As of Today), Highest Dividend Payout Ratio of Bank Alfalah Ltd(KAR:BAFL) was 0.65. The lowest was 0.23. And the median was 0.44. The  Forward Dividend Yield % of Bank Alfalah Ltd(KAR:BAFL) is 8.87%. For more information regarding to dividend, please check our Dividend Page.
Press Release
| Subject | Date | |||
|---|---|---|---|---|
| No Press Release | ||||
Articles on Bank Alfalah Ltd
No articles.
Survey
We'd love to learn more about your experiences on GuruFocus.com and how we can improve!
Take Survey
Follow Us
Disclaimers