JS Bank Limited (PSX:JSBL)

JS Bank Statistics

Total Valuation

JS Bank has a market cap or net worth of PKR 29.65 billion.

Market Cap	29.65B
Enterprise Value	n/a

Important Dates

The next estimated earnings date is 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 16.11% in one year.

Current Share Class	2.05B
Shares Outstanding	2.05B
Shares Change (YoY)	+16.11%
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 3.18.

PE Ratio	3.18
Forward PE	n/a
PS Ratio	0.35
PB Ratio	0.40
P/TBV Ratio	0.59
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	-1.72
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 17.94%.

Return on Equity (ROE)	17.94%
Return on Assets (ROA)	0.91%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	9.22M
Profits Per Employee	1.02M
Employee Count	9,119
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, JS Bank has paid 16.56 billion in taxes.

Income Tax	16.56B
Effective Tax Rate	57.49%

Stock Price Statistics

The stock price has increased by +30.98% in the last 52 weeks. The beta is 0.74, so JS Bank's price volatility has been lower than the market average.

Beta (5Y)	0.74
52-Week Price Change	+30.98%
50-Day Moving Average	10.83
200-Day Moving Average	9.51
Relative Strength Index (RSI)	64.43
Average Volume (20 Days)	1,896,814

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 84.10 billion and earned 9.33 billion in profits. Earnings per share was 4.55.

Revenue	84.10B
Gross Profit	84.02B
Operating Income	28.71B
Pretax Income	28.81B
Net Income	9.33B
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	4.55

Balance Sheet

The company has 145.05 billion in cash and 159.19 billion in debt, giving a net cash position of -14.14 billion or -6.90 per share.

Cash & Cash Equivalents	145.05B
Total Debt	159.19B
Net Cash	-14.14B
Net Cash Per Share	-6.90
Equity (Book Value)	74.93B
Book Value Per Share	30.82
Working Capital	-988.37B

Cash Flow

In the last 12 months, operating cash flow was -86.26 billion and capital expenditures -6.04 billion, giving a free cash flow of -92.30 billion.

Operating Cash Flow	-86.26B
Capital Expenditures	-6.04B
Free Cash Flow	-92.30B
FCF Per Share	-45.01

Margins

Gross Margin	n/a
Operating Margin	34.14%
Pretax Margin	34.25%
Profit Margin	11.09%
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	-16.11%
Shareholder Yield	n/a
Earnings Yield	31.46%
FCF Yield	-311.28%

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