Samba Bank Limited (PSX:SBL)

Pakistan · Delayed Price · Currency is PKR

15.26

-0.09 (-0.59%)

At close: Jul 31, 2026

Samba Bank Financials Overview

Financials in millions PKR. Fiscal year is January - December.

Millions PKR. Fiscal year is Jan - Dec.

Revenue & Profits

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	7,101	7,037	7,235	7,019	3,131	4,703
Revenue Growth	3.01%	-2.73%	3.08%	124.14%	-33.41%	0.31%
Net Income	753.73	727.25	699.33	1,235	-427.94	788.98
Earnings Per Share	0.75	0.72	0.69	1.23	-0.42	0.78
EPS Growth	48.52%	3.99%	-43.38%	-	-	-21.98%

Revenue by Segment

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
Wholesale Banking	1,543	1,480	1,593	1,796	497.39	-
Retail Banking	3,423	3,396	3,947	3,191	2,249	1,634
Global Markets	1,931	2,202	1,715	2,037	386.09	1,781
Total	6,897	7,078	7,255	7,023	3,133	4,728

Cash & Debt

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	9,701	5,204	6,377	7,420	6,071	8,738
Total Debt	83,333	61,634	49,731	39,510	53,537	100,519
Net Cash (Debt)	-73,633	-56,430	-43,354	-32,091	-47,466	-91,781
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-73.03	-55.97	-43.00	-31.83	-47.08	-91.03

Cash Flow & CapEx

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	32,361	8,565	36,407	-11,316	-42,315	22,494
Capital Expenditures	-599.38	-846.29	-665.93	-240.17	-293.13	-1,423
Free Cash Flow	31,762	7,719	35,741	-11,556	-42,608	21,071
Free Cash Flow Growth	-41.20%	-78.40%	-	-	-	81.95%

Margins

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	10.61%	10.33%	9.67%	17.60%	-13.67%	16.78%
FCF Margin	447.28%	109.68%	494.00%	-164.65%	-1360.65%	448.07%

Dividends

Fiscal Year	FY 2021
Period Ending	Dec '21 Dec 31, 2021
Dividend Per Share	0.600
Dividend Per Share Growth	-20.00%
Dividend Yield	5.07%

Valuation

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	20.53	19.74	13.34	8.64	-	15.91
Forward PE	-	3.53	3.53	3.53	3.53	3.53
P/FCF Ratio	0.49	1.86	0.26	-	-	0.60
PS Ratio	2.18	2.04	1.29	1.52	2.09	2.67