JS Bank Limited (PSX:JSBL)

JS Bank Statistics

Total Valuation

JS Bank has a market cap or net worth of PKR 34.80 billion.

Market Cap	34.80B
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Tuesday, March 3, 2026.

Earnings Date	Mar 3, 2026
Ex-Dividend Date	n/a

Share Statistics

JS Bank has 2.05 billion shares outstanding. The number of shares has increased by 0.06% in one year.

Current Share Class	2.05B
Shares Outstanding	2.05B
Shares Change (YoY)	+0.06%
Shares Change (QoQ)	+0.70%
Owned by Insiders (%)	12.10%
Owned by Institutions (%)	0.00%
Float	342.39M

Valuation Ratios

The trailing PE ratio is 7.18.

PE Ratio	7.18
Forward PE	n/a
PS Ratio	0.42
PB Ratio	0.44
P/TBV Ratio	0.64
P/FCF Ratio	n/a
P/OCF Ratio	49.78
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	-9.71
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 8.80%.

Return on Equity (ROE)	8.80%
Return on Assets (ROA)	0.49%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	9.10M
Profits Per Employee	531,388
Employee Count	9,119
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, JS Bank has paid 14.47 billion in taxes.

Income Tax	14.47B
Effective Tax Rate	68.14%

Stock Price Statistics

The stock price has increased by +89.61% in the last 52 weeks. The beta is 1.12, so JS Bank's price volatility has been higher than the market average.

Beta (5Y)	1.12
52-Week Price Change	+89.61%
50-Day Moving Average	20.55
200-Day Moving Average	13.54
Relative Strength Index (RSI)	29.66
Average Volume (20 Days)	378,508

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, JS Bank had revenue of PKR 82.98 billion and earned 4.85 billion in profits. Earnings per share was 2.36.

Revenue	82.98B
Gross Profit	83.17B
Operating Income	21.16B
Pretax Income	21.24B
Net Income	4.85B
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	2.36

Balance Sheet

The company has 32.57 billion in cash and 115.55 billion in debt, giving a net cash position of -82.98 billion or -40.46 per share.

Cash & Cash Equivalents	32.57B
Total Debt	115.55B
Net Cash	-82.98B
Net Cash Per Share	-40.46
Equity (Book Value)	79.60B
Book Value Per Share	32.75
Working Capital	-1,048.22B

Cash Flow

In the last 12 months, operating cash flow was 699.11 million and capital expenditures -12.60 billion, giving a free cash flow of -11.90 billion.

Operating Cash Flow	699.11M
Capital Expenditures	-12.60B
Free Cash Flow	-11.90B
FCF Per Share	-5.81

Margins

Gross Margin	n/a
Operating Margin	25.50%
Pretax Margin	25.59%
Profit Margin	5.84%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

JS Bank does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	-0.06%
Shareholder Yield	-0.06%
Earnings Yield	13.92%
FCF Yield	-34.21%

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

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	3