The Bank of Punjab (PSX:BOP)
Pakistan · Delayed Price · Currency is PKR 30.65
+0.53 (1.76%)
At close: Sep 17, 2026
The Bank of Punjab 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 | 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 Revenue Growth | 106,889 | 95,912 | 74,576 | 58,573 | 46,363 | 39,580 |
Revenue Growth | 18.87% | 28.61% | 27.32% | 26.34% | 17.14% | 33.57% |
Net Income Net Income Growth | 18,286 | 15,394 | 13,088 | 11,081 | 10,628 | 12,316 |
Earnings Per Share EPS Growth | 5.59 | 4.71 | 4.00 | 3.39 | 3.25 | 3.76 |
EPS Growth | 23.12% | 17.63% | 18.10% | 4.26% | -13.68% | 80.57% |
| 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 |
Cards and Public Sector Deposits Cards and Public Sector Deposits Growth | 101,804 | 99,820 | 141,295 | 129,844 | 70,165 | 43,150 |
Others Including Headoffice Others Including Headoffice Growth | 4,863 | 5,512 | 16,712 | -18,617 | -8,748 | -4,223 |
Consumer Banking Group Consumer Banking Group Growth | 66,870 | 65,241 | 98,545 | 95,219 | 49,361 | 26,571 |
Treasury Treasury Growth | 43,337 | 50,386 | 46,698 | 72,015 | 2,722 | 14,431 |
Islamic Islamic Growth | 26,673 | 21,861 | 25,630 | 21,078 | 10,160 | 4,733 |
Corporate and Investment Banking Corporate and Investment Banking Growth | 34,307 | 38,584 | 45,872 | 45,518 | 29,120 | 5,087 |
Total Total Growth | 277,855 | 281,404 | 374,752 | 345,056 | 152,780 | 89,748 |
| 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 Cash & Investments Growth | 65,654 | 266,201 | 139,492 | 233,833 | 55,943 | 73,159 |
Total Debt Total Debt Growth | 109,679 | 674,847 | 458,846 | 499,932 | 112,489 | 88,592 |
Net Cash (Debt) Net Cash Growth | -44,025 | -408,645 | -319,354 | -266,099 | -56,546 | -15,433 |
Net Cash Growth | - | - | - | - | - | - |
Net Cash Per Share Net Cash Per Share Growth | -13.46 | -124.91 | -97.61 | -81.34 | -17.28 | -4.72 |
| 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 Operating Cash Flow Growth | -406,712 | -24,740 | 156,412 | -56,874 | -97,824 | -192,870 |
Capital Expenditures CapEx Growth | -4,924 | -4,392 | -5,877 | -4,478 | -3,839 | -1,843 |
Free Cash Flow Free Cash Flow Growth | -411,637 | -29,132 | 150,535 | -61,351 | -101,664 | -194,713 |
Free Cash Flow Growth | - | - | - | - | - | - |
| 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 | 17.11% | 16.05% | 17.55% | 18.92% | 22.92% | 31.12% |
FCF Margin | -385.11% | -30.37% | 201.85% | -104.74% | -219.28% | -491.95% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| Period Ending | Sep '26 Sep 17, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 |
Dividend Per Share Dividend Per Share Growth | 3.200 | 2.500 | 1.800 | 1.000 |
Dividend Per Share Growth | 10.71% | 38.89% | 80.00% | - |
Dividend Yield | 10.44% | 7.19% | 22.57% | 24.98% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Sep '26 Sep 17, 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 | 5.39 | 8.20 | 2.70 | 1.91 | 1.28 | 1.82 |
Forward PE | 3.86 | 8.55 | 2.46 | 0.97 | 1.09 | 2.04 |
P/FCF Ratio | - | - | 0.24 | - | - | - |
PS Ratio | 0.92 | 1.32 | 0.47 | 0.36 | 0.29 | 0.57 |