JS Bank Limited (PSX:JSBL)

JS Bank Statistics

Total Valuation

JS Bank has a market cap or net worth of PKR 31.01 billion.

Market Cap	31.01B
Enterprise Value	n/a

Important Dates

The last earnings date was Wednesday, August 27, 2025.

Earnings Date	Aug 27, 2025
Ex-Dividend Date	n/a

Share Statistics

JS Bank has 2.05 billion shares outstanding. The number of shares has increased by 8.37% in one year.

Current Share Class	2.05B
Shares Outstanding	2.05B
Shares Change (YoY)	+8.37%
Shares Change (QoQ)	n/a
Owned by Insiders (%)	12.10%
Owned by Institutions (%)	0.00%
Float	342.39M

Valuation Ratios

The trailing PE ratio is 4.80.

PE Ratio	4.80
Forward PE	n/a
PS Ratio	0.38
PB Ratio	0.39
P/TBV Ratio	0.57
P/FCF Ratio	n/a
P/OCF Ratio	n/a
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	-2.81
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 12.28%.

Return on Equity (ROE)	12.28%
Return on Assets (ROA)	0.65%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	9.04M
Profits Per Employee	708,545
Employee Count	9,119
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, JS Bank has paid 14.88 billion in taxes.

Income Tax	14.88B
Effective Tax Rate	62.36%

Stock Price Statistics

The stock price has increased by +60.00% in the last 52 weeks. The beta is 0.75, so JS Bank's price volatility has been lower than the market average.

Beta (5Y)	0.75
52-Week Price Change	+60.00%
50-Day Moving Average	14.78
200-Day Moving Average	10.63
Relative Strength Index (RSI)	58.81
Average Volume (20 Days)	1,042,384

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 82.42 billion and earned 6.46 billion in profits. Earnings per share was 3.15.

Revenue	82.42B
Gross Profit	82.19B
Operating Income	23.76B
Pretax Income	23.86B
Net Income	6.46B
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	3.15

Balance Sheet

The company has 42.71 billion in cash and 81.76 billion in debt, giving a net cash position of -39.04 billion or -19.04 per share.

Cash & Cash Equivalents	42.71B
Total Debt	81.76B
Net Cash	-39.04B
Net Cash Per Share	-19.04
Equity (Book Value)	79.15B
Book Value Per Share	32.45
Working Capital	-1,103.35B

Cash Flow

In the last 12 months, operating cash flow was -16.67 billion and capital expenditures -12.45 billion, giving a free cash flow of -29.12 billion.

Operating Cash Flow	-16.67B
Capital Expenditures	-12.45B
Free Cash Flow	-29.12B
FCF Per Share	-14.20

Margins

Gross Margin	n/a
Operating Margin	28.83%
Pretax Margin	28.95%
Profit Margin	7.84%
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	-8.37%
Shareholder Yield	n/a
Earnings Yield	20.84%
FCF Yield	-93.92%

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	2