Bank Alfalah Limited (PSX:BAFL)
Pakistan · Delayed Price · Currency is PKR 57.75
-0.14 (-0.24%)
At close: Oct 30, 2026
Bank Alfalah Cash Flow Statement
Financials in millions PKR. Fiscal year is January - December.
Millions PKR. Fiscal year is Jan - Dec.
Operating Activities
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 |
Net Income | 36,774 | 27,802 | 39,854 | 36,511 | 18,395 | 14,437 |
Depreciation & Amortization | 11,746 | 10,684 | 8,678 | 6,910 | 5,430 | 4,400 |
Other Amortization | 414.25 | 414.25 | 376.28 | 327.5 | 351.77 | 396.18 |
Gain (Loss) on Sale of Assets | -72.06 | -91.94 | -136.52 | -145.03 | -121.17 | -53.35 |
Gain (Loss) on Sale of Investments | 1,385 | -1,873 | -4,515 | -598.4 | 2,526 | 253.1 |
Total Asset Writedown | 1,493 | 1,493 | -200.65 | 1,436 | 1,328 | 986.12 |
Provision for Credit Losses | -3,046 | 2,043 | 1,265 | 9,730 | 8,632 | 1,466 |
Change in Trading Asset Securities | -106,765 | -33,389 | 8,778 | -266,489 | 87,580 | -30,557 |
Change in Other Net Operating Assets | -433,269 | -198,330 | -164,260 | -141,266 | -3,512 | 18,122 |
Other Operating Activities | 27,010 | 10,961 | -14,780 | 513,191 | 2,997 | 2,611 |
Net Cash from Discontinued Operations | -4.56 | -1,439 | - | - | - | - |
Operating Cash Flow | -464,544 | -183,017 | -126,175 | 157,917 | 122,937 | 11,488 |
Operating Cash Flow Growth | - | - | - | 28.45% | 970.12% | -89.01% |
Investing Activities
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 |
Capital Expenditures | -13,388 | -13,628 | -19,805 | -12,791 | -8,721 | -3,872 |
Sale of Property, Plant and Equipment | 740.69 | 176.54 | 483.42 | 217.09 | 442.08 | 70.91 |
Investment in Securities | -17,027 | -123,748 | 109,045 | -673,920 | -408,816 | -239,855 |
Income (Loss) Equity Investments | -208.48 | -1,292 | -1,233 | -1,691 | -669.83 | -573.25 |
Divestitures | - | 396.86 | - | - | - | - |
Other Investing Activities | 2,934 | 3,532 | 7.44 | 4,783 | 3,736 | 1,458 |
Investing Cash Flow | -26,741 | -133,270 | 89,731 | -681,710 | -413,359 | -242,198 |
Financing Activities
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 |
Long-Term Debt Issued | - | - | - | - | 7,000 | - |
Long-Term Debt Repaid | - | -6,802 | -6,138 | -5,076 | -3,833 | -3,260 |
Lease Payments | -7,496 | -6,802 | -6,138 | -5,076 | -3,833 | -3,260 |
Net Debt Issued (Repaid) | 12,504 | -6,802 | -6,138 | -5,076 | 3,167 | -3,260 |
Repurchase of Common Stock | - | - | - | - | -6,044 | - |
Common Dividends Paid | -18,065 | -15,717 | -23,208 | -7,275 | -3,382 | -7,092 |
Net Increase (Decrease) in Deposit Accounts | 450,533 | 359,284 | 51,163 | 598,105 | 347,827 | 257,259 |
Other Financing Activities | - | - | -13.3 | - | - | - |
Financing Cash Flow | 444,971 | 336,765 | 21,804 | 585,754 | 341,568 | 246,908 |
Net Cash Flow
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 |
Foreign Exchange Rate Adjustments | -1,553 | 1,434 | -1,943 | -19,476 | -11,928 | -5,351 |
Net Cash Flow | -47,844 | 21,878 | -16,604 | 42,485 | 39,217 | 10,846 |
Free Cash Flow
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 |
Free Cash Flow | -477,932 | -196,644 | -145,980 | 145,126 | 114,216 | 7,616 |
Free Cash Flow Growth | - | - | - | 27.06% | 1399.62% | -92.45% |
Free Cash Flow Margin | -238.57% | -109.37% | -84.75% | 99.23% | 130.78% | 12.53% |
Free Cash Flow Per Share | -151.10 | -62.34 | -46.28 | 46.01 | 32.22 | 2.14 |
Free Cash Flow After Leases | -485,428 | -203,446 | -152,118 | 140,051 | 110,383 | 4,357 |
Additional Metrics
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 |
Cash Interest Paid | 191,606 | 221,804 | 377,917 | -263,022 | 1,505 | 1,078 |
Cash Income Tax Paid | 47,965 | 39,721 | 58,973 | 42,254 | 16,994 | 8,346 |