JS Bank Limited (PSX:JSBL)

JS Bank Statistics

Total Valuation

JS Bank has a market cap or net worth of PKR 28.01 billion.

Market Cap	28.01B
Enterprise Value	n/a

Important Dates

The last earnings date was Tuesday, April 28, 2026.

Earnings Date	Apr 28, 2026
Ex-Dividend Date	n/a

Share Statistics

JS Bank has 2.05 billion shares outstanding. The number of shares has increased by 0.15% in one year.

Current Share Class	2.05B
Shares Outstanding	2.05B
Shares Change (YoY)	+0.15%
Shares Change (QoQ)	+0.78%
Owned by Insiders (%)	12.10%
Owned by Institutions (%)	0.00%
Float	342.39M

Valuation Ratios

The trailing PE ratio is 6.51.

PE Ratio	6.51
Forward PE	n/a
PS Ratio	0.34
PB Ratio	0.36
P/TBV Ratio	0.52
P/FCF Ratio	5.31
P/OCF Ratio	1.68
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	20.51
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 7.28%.

Return on Equity (ROE)	7.28%
Return on Assets (ROA)	0.39%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	2.06%
Revenue Per Employee	8.14M
Profits Per Employee	430,296
Employee Count	10,022
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, JS Bank has paid 9.60 billion in taxes.

Income Tax	9.60B
Effective Tax Rate	63.17%

Stock Price Statistics

The stock price has increased by +61.47% in the last 52 weeks. The beta is 1.04, so JS Bank's price volatility has been similar to the market average.

Beta (5Y)	1.04
52-Week Price Change	+61.47%
50-Day Moving Average	13.58
200-Day Moving Average	16.68
Relative Strength Index (RSI)	45.56
Average Volume (20 Days)	467,929

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 81.57 billion and earned 4.31 billion in profits. Earnings per share was 2.10.

Revenue	81.57B
Gross Profit	81.57B
Operating Income	14.96B
Pretax Income	15.19B
Net Income	4.31B
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	2.10

Balance Sheet

The company has 78.98 billion in cash and 108.14 billion in debt, with a net cash position of -29.16 billion or -14.22 per share.

Cash & Cash Equivalents	78.98B
Total Debt	108.14B
Net Cash	-29.16B
Net Cash Per Share	-14.22
Equity (Book Value)	78.80B
Book Value Per Share	32.19
Working Capital	-585.92B

Cash Flow

In the last 12 months, operating cash flow was 16.70 billion and capital expenditures -11.43 billion, giving a free cash flow of 5.27 billion.

Operating Cash Flow	16.70B
Capital Expenditures	-11.43B
Depreciation & Amortization	n/a
Net Borrowing	-4.62B
Free Cash Flow	5.27B
FCF Per Share	2.57

Margins

Gross Margin	n/a
Operating Margin	18.34%
Pretax Margin	18.62%
Profit Margin	5.29%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	6.46%

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	-0.15%
Shareholder Yield	-0.15%
Earnings Yield	15.39%
FCF Yield	18.82%

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	4