Bank Alfalah Limited (PSX:BAFL)
Pakistan · Delayed Price · Currency is PKR 57.89
+0.01 (0.02%)
At close: Oct 29, 2026
Bank Alfalah Financials Overview
Financials in millions PKR. Fiscal year is January - December.
Millions PKR. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Sep '26 Sep 30, 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 Revenue Growth | 200,335 | 179,800 | 172,244 | 146,247 | 87,335 | 60,808 |
Revenue Growth | 13.33% | 4.39% | 17.78% | 67.45% | 43.62% | 20.19% |
Net Income Net Income Growth | 36,774 | 27,802 | 39,854 | 36,511 | 18,395 | 14,437 |
Earnings Per Share EPS Growth | 11.63 | 8.81 | 12.63 | 11.58 | 5.19 | 4.06 |
EPS Growth | 40.84% | -30.24% | 9.15% | 123.09% | 27.74% | 33.28% |
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
| Period Ending | 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 |
Retail Retail Growth | 82,646 | 95,194 | 80,530 | 44,707 | 29,628 |
Corporate Banking Corporate Banking Growth | 18,549 | 20,262 | 20,033 | 15,462 | 7,201 |
Islamic (Domestic) Islamic (Domestic) Growth | 31,497 | 33,472 | 28,034 | 14,573 | 7,873 |
Treasury Treasury Growth | 43,069 | 7,258 | 10,077 | 15,490 | 9,260 |
Digital Digital Growth | 11,205 | 10,492 | 9,046 | 4,128 | 902.99 |
Overseas Overseas Growth | 9,907 | 12,462 | 8,976 | 2,839 | 3,645 |
Subsidiaries Subsidiaries Growth | 149.76 | 918.86 | -595.71 | 339.34 | 303.9 |
Others Others Growth | 167.39 | 4,698 | -386.92 | -2,892 | 2,155 |
Elimination Elimination Growth | -17,230 | -12,470 | -9,305 | -7,136 | - |
Total Total Growth | 179,961 | 172,286 | 146,408 | 87,510 | 60,969 |
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Sep '26 Sep 30, 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 Cash & Investments Growth | 192,290 | 407,157 | 444,934 | 464,412 | 172,752 | 177,096 |
Total Debt Total Debt Growth | 312,080 | 880,581 | 1,186,916 | 949,991 | 523,619 | 405,542 |
Net Cash (Debt) Net Cash Growth | -119,790 | -473,424 | -741,982 | -485,579 | -350,867 | -228,446 |
Net Cash Growth | - | - | - | - | - | - |
Net Cash Per Share Net Cash Per Share Growth | -37.87 | -150.09 | -235.23 | -153.94 | -98.97 | -64.27 |
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Sep '26 Sep 30, 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 Operating Cash Flow Growth | -464,544 | -183,017 | -126,175 | 157,917 | 122,937 | 11,488 |
Capital Expenditures CapEx Growth | -13,388 | -13,628 | -19,805 | -12,791 | -8,721 | -3,872 |
Free Cash Flow Free Cash Flow Growth | -477,932 | -196,644 | -145,980 | 145,126 | 114,216 | 7,616 |
Free Cash Flow Growth | - | - | - | 27.06% | 1399.62% | -92.45% |
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Sep '26 Sep 30, 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 | 18.36% | 15.46% | 23.14% | 24.97% | 21.06% | 23.74% |
FCF Margin | -238.57% | -109.37% | -84.75% | 99.23% | 130.78% | 12.53% |
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Oct '26 Oct 30, 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 |
Dividend Per Share Dividend Per Share Growth | 6.000 | 5.250 | 4.250 | 4.000 | 2.500 | 2.000 |
Dividend Per Share Growth | 20.00% | 23.53% | 6.25% | 60.00% | 25.00% | 0% |
Dividend Yield | 10.36% | 9.63% | 10.20% | 16.49% | 14.72% | 11.56% |
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Oct '26 Oct 30, 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 | 4.98 | 6.19 | 3.30 | 2.10 | 2.91 | 4.26 |
Forward PE | 5.17 | 6.18 | 3.25 | 2.03 | 2.25 | 4.11 |
P/FCF Ratio | - | - | - | 0.53 | 0.47 | 8.07 |
PS Ratio | 0.91 | 0.96 | 0.76 | 0.52 | 0.61 | 1.01 |