JS Bank Limited (PSX:JSBL)
Pakistan · Delayed Price · Currency is PKR 13.65
+0.12 (0.89%)
At close: Jul 31, 2026
JS Bank 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 | 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 Revenue Growth | 81,580 | 83,947 | 82,726 | 46,559 | 20,248 | 16,104 |
Revenue Growth | -3.02% | 1.47% | 77.68% | 129.95% | 25.73% | -1.36% |
Net Income Net Income Growth | 4,312 | 5,827 | 10,309 | 9,461 | 1,082 | 1,195 |
Earnings Per Share EPS Growth | 2.10 | 2.84 | 5.03 | 6.00 | 0.83 | 0.92 |
EPS Growth | -53.77% | -43.48% | -16.15% | 619.14% | -9.45% | 7.59% |
| 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 |
Retail Banking Retail Banking Growth | 19,026 | 18,534 | 18,432 | 22,525 | 14,522 | 7,449 |
Corporate /Commercial Banking Corporate /Commercial Banking Growth | 8,257 | 7,362 | 4,552 | 6,399 | 4,753 | - |
Zindigi Zindigi Growth | 1,319 | 1,079 | 719.4 | 550.72 | 475 | 268.93 |
Islamic Banking Islamic Banking Growth | 43,381 | 45,746 | 48,265 | 14,818 | - | - |
Brokerage Brokerage Growth | 3,040 | 2,807 | 1,742 | 1,172 | 719.04 | 1,188 |
Asset Management Asset Management Growth | 1,663 | 1,635 | 982.14 | 353.95 | 424.81 | 182.86 |
Others Others Growth | -7,182 | -6,650 | -3,972 | -4,956 | -471.33 | 232.26 |
Treasury Treasury Growth | - | 10,489 | 9,054 | 2,448 | -1,778 | 407.9 |
Investment,International & Institutional Banking Investment,International & Institutional Banking Growth | - | 3,176 | 3,058 | 3,385 | 1,644 | - |
Total Total Growth | 81,799 | 84,179 | 82,834 | 46,696 | 20,287 | 16,092 |
| 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 Cash & Investments Growth | 47,698 | 55,795 | 39,078 | 39,891 | 39,072 | 66,868 |
Total Debt Total Debt Growth | 108,651 | 62,775 | 134,413 | 104,890 | 108,874 | 82,624 |
Net Cash (Debt) Net Cash Growth | -60,954 | -6,980 | -95,336 | -64,999 | -69,802 | -15,757 |
Net Cash Growth | - | - | - | - | - | - |
Net Cash Per Share Net Cash Per Share Growth | -29.72 | -3.40 | -46.49 | -41.19 | -53.80 | -12.14 |
| 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 Operating Cash Flow Growth | 16,697 | -106,876 | -26,305 | -44,742 | 66,180 | 33,332 |
Capital Expenditures CapEx Growth | -11,425 | -12,442 | -6,298 | -3,659 | -1,540 | -1,904 |
Free Cash Flow Free Cash Flow Growth | 5,272 | -119,317 | -32,602 | -48,401 | 64,640 | 31,428 |
Free Cash Flow Growth | - | - | - | - | 105.68% | 0.23% |
| 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 | 5.29% | 6.94% | 12.46% | 20.32% | 5.34% | 7.42% |
FCF Margin | 6.46% | -142.13% | -39.41% | -103.96% | 319.25% | 195.16% |
| 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 | 6.43 | 5.94 | 1.80 | 1.96 | 5.63 | 5.24 |
Forward PE | - | 4.44 | 4.44 | 4.44 | 4.44 | 4.44 |
P/FCF Ratio | 5.26 | - | - | - | 0.09 | 0.20 |
PS Ratio | 0.34 | 0.41 | 0.23 | 0.40 | 0.30 | 0.39 |