Bank Alfalah Limited (PSX:BAFL)

Bank Alfalah Statistics

Total Valuation

Bank Alfalah has a market cap or net worth of PKR 165.46 billion.

Market Cap	165.46B
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Friday, January 30, 2026.

Earnings Date	Jan 30, 2026
Ex-Dividend Date	Nov 3, 2025

Share Statistics

Bank Alfalah has 1.58 billion shares outstanding.

Current Share Class	1.58B
Shares Outstanding	1.58B
Shares Change (YoY)	n/a
Shares Change (QoQ)	n/a
Owned by Insiders (%)	21.46%
Owned by Institutions (%)	2.80%
Float	532.38M

Valuation Ratios

The trailing PE ratio is 6.33 and the forward PE ratio is 5.55.

PE Ratio	6.33
Forward PE	5.55
PS Ratio	0.94
PB Ratio	0.85
P/TBV Ratio	0.85
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	-2.95
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 14.29%.

Return on Equity (ROE)	14.29%
Return on Assets (ROA)	0.80%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	10.74M
Profits Per Employee	1.58M
Employee Count	16,464
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, Bank Alfalah has paid 38.60 billion in taxes.

Income Tax	38.60B
Effective Tax Rate	59.63%

Stock Price Statistics

The stock price has increased by +56.93% in the last 52 weeks. The beta is 0.51, so Bank Alfalah's price volatility has been lower than the market average.

Beta (5Y)	0.51
52-Week Price Change	+56.93%
50-Day Moving Average	107.10
200-Day Moving Average	87.67
Relative Strength Index (RSI)	46.35
Average Volume (20 Days)	2,981,289

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, Bank Alfalah had revenue of PKR 176.76 billion and earned 26.05 billion in profits. Earnings per share was 16.52.

Revenue	176.76B
Gross Profit	171.81B
Operating Income	64.68B
Pretax Income	64.73B
Net Income	26.05B
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	16.52

Balance Sheet

The company has 356.30 billion in cash and 668.51 billion in debt, giving a net cash position of -312.21 billion or -197.96 per share.

Cash & Cash Equivalents	356.30B
Total Debt	668.51B
Net Cash	-312.21B
Net Cash Per Share	-197.96
Equity (Book Value)	195.29B
Book Value Per Share	123.82
Working Capital	-2,205.33B

Cash Flow

In the last 12 months, operating cash flow was -212.66 billion and capital expenditures -14.06 billion, giving a free cash flow of -226.72 billion.

Operating Cash Flow	-212.66B
Capital Expenditures	-14.06B
Free Cash Flow	-226.72B
FCF Per Share	-143.75

Margins

Gross Margin	n/a
Operating Margin	36.59%
Pretax Margin	36.62%
Profit Margin	14.74%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 10.00, which amounts to a dividend yield of 9.51%.

Dividend Per Share	10.00
Dividend Yield	9.51%
Dividend Growth (YoY)	-9.09%
Years of Dividend Growth	3
Payout Ratio	57.36%
Buyback Yield	n/a
Shareholder Yield	9.51%
Earnings Yield	15.75%
FCF Yield	-137.02%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on September 14, 2018. It was a forward split with a ratio of 1.1.

Last Split Date	Sep 14, 2018
Split Type	Forward
Split Ratio	1.1

Scores

Altman Z-Score	n/a
Piotroski F-Score	2