Bank Alfalah Limited (BAFL)

COMMERCIAL BANKSALLSHRBKTIJSGBKTIKSE100KSE100PRPSXDIV20

58.63

-0.22%

As of 10-Jul-2026

52 Week RangeCurrent: 58.63

43.55126.48

Updated: 10-Jul-2026

1M+1.1%

3M-0.2%

1Y+40.1%

3Y+316.8%

5Y+390.0%

Valuation Snapshot

Review how the market has valued this company across price multiples.

Updated through 08-Jul-2026

P/E

3.56x

P/B

0.98x

Showing 37 observations

Annual Ratio Highlights

Metric	2021	2022	2023	2024	2025
EPS	8.12	10.35	22.75	25.27	17.67
DPS	2.26	2.82	4.03	4.26	5.25
BVPS	32.30 PKR mn / Shr	32.36 PKR mn / Shr	44.26 PKR mn / Shr	57.50 PKR mn / Shr	63.47 PKR mn / Shr
PBV	1.83	1.83	1.34	1.03	0.93
Div Yield	3.37%	4.22%	6.75%	7.17%	8.86%
ROE	14.87%	18.04%	29.86%	24.84%	14.57%
ROA	0.93%	0.92%	1.29%	1.13%	0.74%
NII Growth	3.02%	67.82%	63.00%	0.66%	7.18%
Non Interest Income Growth	27.25%	31.73%	32.51%	52.13%	3.52%
Revenue Growth	8.66%	57.99%	56.08%	10.58%	6.21%
PBT Growth	29.63%	53.42%	114.68%	8.26%	-27.40%
PAT Growth	33.36%	27.23%	96.17%	10.46%	-30.26%
Payout Ratio	24.63%	24.15%	17.58%	16.82%	29.71%

Metric	2021	2022	2023	2024	2025
Cost to Income	58.57%	50.84%	42.92%	50.44%	64.38%
Effective Tax Rate	39.51%	49.84%	54.17%	53.24%	55.08%
Operating Expense	3.67%	3.87%	3.75%	4.12%	5.10%
EPS Growth	33.11%	27.46%	119.81%	11.08%	-30.08%

Metric	2021	2022	2023	2024	2025
Net Interest Income / Deposits	4.56%	5.89%	7.05%	6.01%	5.87%
Non Interest Income / Deposits	1.71%	1.73%	1.68%	2.17%	2.05%
Total Revenue / Deposits	6.26%	7.61%	8.74%	8.18%	7.91%
Provisions / Deposits	0.23%	0.95%	0.58%	0.01%	0.14%
Provisions / Advances	0.37%	1.77%	1.41%	0.03%	0.30%
Profit before WWF & Tax/Deposits	2.42%	2.86%	4.51%	4.12%	2.73%
WWF Rate	2.04%	2.41%	2.13%	1.95%	2.19%
Tax Rate	39.51%	49.84%	54.17%	53.24%	55.08%
Net Profit / Deposits	1.43%	1.40%	2.02%	1.89%	1.20%
Deposits / Equity	1,118.06%	1,456.78%	1,493.26%	1,177.65%	1,246.38%