Apna Microfinance Bank Ratios and Metrics

Market cap in millions PKR. Fiscal year is January - December.

Millions PKR. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 11, 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
Market Capitalization	9,481	5,362	4,294	7,078	8,279	10,725
Market Cap Growth	121.00%	24.88%	-39.33%	-14.51%	-22.80%	34.97%
Last Close Price	22.10	12.50	10.01	16.50	19.30	25.00
PS Ratio	22.88	12.94	-4.98	-5.46	-3.13	-22.62
PB Ratio	-0.90	-0.51	-0.45	-1.07	-2.05	24.24
Debt / Equity Ratio	-0.05	-0.05	-0.06	-0.08	-0.13	1.47
Net Debt / Equity Ratio	0.34	0.34	0.22	0.42	0.60	-10.22
Net Debt / FCF Ratio	0.97	0.97	0.59	2.02	2.43	1.95
Return on Equity (ROE)	-	-	-	-	-	-145.10%
Return on Assets (ROA)	-8.63%	-8.63%	-17.99%	-19.63%	-20.76%	-7.25%
Earnings Yield	-17.38%	-30.73%	-72.19%	-50.77%	-54.22%	-18.00%
FCF Yield	-38.54%	-68.14%	-82.72%	-19.33%	-12.07%	-21.66%
Buyback Yield / Dilution	-0.05%	-0.05%	-	-	-7.48%	-5.47%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.