SBAC Bank PLC. (DSE:SBACBANK)

Bangladesh · Delayed Price · Currency is BDT

6.70

-0.10 (-1.47%)

At close: Jul 23, 2026

SBAC Bank PLC. Financials Overview

Financials in millions BDT. Fiscal year is January - December.

Millions BDT. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	3,035	3,154	3,986	4,201	3,671	3,344
Revenue Growth	-19.22%	-20.88%	-5.13%	14.46%	9.77%	-5.41%
Net Income	9.83	7.05	113.14	546.36	589.63	539.89
Earnings Per Share	0.01	0.01	0.14	0.66	0.72	0.74
EPS Growth	-62.41%	-93.77%	-79.29%	-7.34%	-2.69%	-44.46%

Revenue by Segment

Fiscal Year	FY 2025
Period Ending	Dec '25 Dec 31, 2025
On-Shore Banking (Conventional)	3,302
Islamic Banking Window	-21.75
Off-Shore Banking Unit	1.08
SBAC Bank Investment Ltd.	75.05
Inter Transaction between Units	-141.1
Inter Company Transaction	-0.02
Total	3,215

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	17,440	11,866	7,561	4,485	6,576	12,503
Total Debt	3,229	2,654	4,344	4,370	5,257	9,931
Net Cash (Debt)	14,212	9,213	3,217	114.41	1,320	2,572
Net Cash Growth	42.95%	186.41%	2711.47%	-91.33%	-48.68%	-81.12%
Net Cash Per Share	17.24	11.18	3.90	0.14	1.60	3.50

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	-22,636	-10,736	3,260	-6,152	-8,989	-5,287
Capital Expenditures	-291.84	-326.76	-272.1	-117.7	-478.72	-434.5
Free Cash Flow	-22,928	-11,062	2,988	-6,270	-9,468	-5,721
Free Cash Flow Growth	-	-	-	-	-	-

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Profit Margin	0.32%	0.22%	2.84%	13.00%	16.06%	16.14%
FCF Margin	-755.43%	-350.79%	74.97%	-149.24%	-257.91%	-171.08%

Dividends

Fiscal Year	FY 2023	FY 2022	FY 2021
Period Ending	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	0.200	0.346	0.297
Dividend Per Share Growth	-42.28%	16.67%	-
Dividend Yield	1.96%	3.51%	2.16%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '26 Jul 27, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	561.64	712.99	55.36	15.84	14.67	22.97
P/FCF Ratio	-	-	2.10	-	-	-
PS Ratio	1.82	1.59	1.57	2.06	2.36	3.71