Bank Makramah Limited (PSX:BML)

Pakistan · Delayed Price · Currency is PKR

53.88

-0.65 (-1.19%)

At close: Sep 8, 2026

Bank Makramah Financials Overview

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

Millions PKR. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 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	21,478	28,050	855.06	-228.88	-1,392	586.49
Revenue Growth	329.08%	3180.43%	-	-	-	-
Net Income	3,444	8,830	-5,206	-5,327	-3,188	-2,912
Earnings Per Share	3.42	8.83	-20.00	-20.00	-24.20	-22.07
EPS Growth	-	-	-	-	-	-

Revenue by Segment

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 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
Treasury	2,478	5,020	2,213	1,762	18.91	-
Brokerage Business	189.8	204.43	160.65	83.8	60.34	81.36
Retail Banking	5,439	5,642	6,567	8,835	6,271	-
Others	-1,480	-2,481	-9,681	-9,547	-7,230	13.04
Corporate, SME & Commercial	14,884	19,744	1,709	-1,284	-509.28	-
Total	21,510	28,129	967.94	-149.64	-1,389	579.66

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 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	14,733	15,139	9,866	6,177	16,073	7,454
Total Debt	15,886	12,239	94,715	135,236	30,399	11,690
Net Cash (Debt)	-1,153	2,899	-84,849	-129,059	-14,326	-4,236
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-1.14	2.90	-325.78	-483.89	-108.61	-32.11

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 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	-45,982	-81,381	-30,327	82,458	7,362	-852.58
Capital Expenditures	-205.85	-156.66	-292.86	-272.82	-114.94	-308.38
Free Cash Flow	-46,188	-81,538	-30,620	82,186	7,247	-1,161
Free Cash Flow Growth	-	-	-	1034.02%	-	-

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 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	16.03%	31.48%	-608.89%	-	-	-496.48%
FCF Margin	-215.04%	-290.69%	-3580.97%	-	-	-197.95%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 9, 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	15.76	4.37	-	-	-	-
P/FCF Ratio	-	-	-	0.18	0.62	-
PS Ratio	2.58	1.37	20.52	-65.97	-3.22	11.11