Bank Makramah Limited (PSX:BML)

Pakistan · Delayed Price · Currency is PKR

57.58

-0.34 (-0.59%)

At close: Jul 30, 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	Mar '26 Mar 31, 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	27,832	28,050	855.06	-228.88	-1,392	586.49
Revenue Growth	1855.10%	3180.43%	-	-	-	-
Net Income	8,947	8,830	-5,206	-5,327	-3,188	-2,912
Earnings Per Share	8.95	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	Mar '26 Mar 31, 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
Corporate, SME & Commercial	20,402	19,744	1,709	-1,284	-509.28	-
Treasury	3,946	5,020	2,213	1,762	18.91	-
Retail Banking	5,428	5,642	6,567	8,835	6,271	-
Brokerage Business	174.48	204.43	160.65	83.8	60.34	81.36
Others	-2,042	-2,481	-9,681	-9,547	-7,230	13.04
Total	27,909	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	Mar '26 Mar 31, 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	8,405	15,139	9,866	6,177	16,073	7,454
Total Debt	11,474	12,239	94,715	135,236	30,399	11,690
Net Cash (Debt)	-3,069	2,899	-84,849	-129,059	-14,326	-4,236
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-3.07	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	Mar '26 Mar 31, 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	-62,224	-81,381	-30,327	82,458	7,362	-852.58
Capital Expenditures	-137.45	-156.66	-292.86	-272.82	-114.94	-308.38
Free Cash Flow	-62,362	-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	Mar '26 Mar 31, 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	32.15%	31.48%	-608.89%	-	-	-496.48%
FCF Margin	-224.06%	-290.69%	-3580.97%	-	-	-197.95%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '26 Jul 31, 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	6.38	4.37	-	-	-	-
P/FCF Ratio	-	-	-	0.18	0.62	-
PS Ratio	2.11	1.37	20.52	-65.97	-3.22	11.11