Bank Makramah Limited (BML)

COMMERCIAL BANKSALLSHR

65.61

+0.18%

As of 10-Jul-2026

52 Week RangeCurrent: 65.61

50.58170.60

Updated: 10-Jul-2026

1M+2.7%

3M+1.8%

1Y-35.2%

3Y+87.5%

5Y+31.2%

Valuation Snapshot

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

Updated through 08-Jul-2026

P/E

2.44x

P/B

2.50x

Showing 33 observations

Annual Ratio Highlights

Metric	2021	2022	2023	2024	2025
EPS	-1.09	-1.20	-1.02	-0.79	8.79
DPS	0.00	0.00	0.00	0.00	0.00
BVPS	-2.17 PKR mn / Shr	-2.67 PKR mn / Shr	-1.93 PKR mn / Shr	-2.74 PKR mn / Shr	3.58 PKR mn / Shr
PBV	-30.33	-24.65	-34.10	-24.02	18.38
Div Yield	0.00%	0.00%	0.00%	0.00%	0.00%
ROE	22.56%	19.76%	34.92%	33.69%	316.48%
ROA	-2.63%	-2.51%	-2.48%	-1.87%	3.63%
NII Growth	-24.92%	103.51%	14.32%	57.94%	-79.05%
Non Interest Income Growth	-12.50%	6.72%	-14.32%	191.40%	122.31%
Revenue Growth	1,220.00%	-537.88%	60.32%	-56.98%	-1,253.68%
PBT Growth	-50.87%	47.87%	1.30%	-1.72%	-362.67%
PAT Growth	-58.45%	9.70%	67.95%	-1.94%	-268.62%
Payout Ratio	0.00%	0.00%	0.00%	0.00%	0.00%

Metric	2021	2022	2023	2024	2025
Cost to Income	2,747.47%	-674.28%	-514.17%	-1,351.51%	128.25%
Effective Tax Rate	41.49%	56.59%	28.05%	28.19%	53.90%
Operating Expense	5.15%	5.05%	5.13%	4.71%	4.98%
EPS Growth	-58.56%	10.09%	-15.00%	-22.55%	-1,212.66%

Metric	2021	2022	2023	2024	2025
Net Interest Income / Deposits	-1.05%	-1.96%	-1.86%	-2.38%	-0.48%
Non Interest Income / Deposits	1.24%	1.21%	0.86%	2.03%	4.37%
Total Revenue / Deposits	0.19%	-0.75%	-1.00%	-0.35%	3.88%
Provisions / Deposits	-0.29%	0.50%	-0.82%	-0.83%	-11.84%
Provisions / Advances	-1.05%	2.40%	-5.68%	-8.24%	-100.75%
Profit before WWF & Tax/Deposits	4.67%	6.31%	5.30%	4.24%	10.96%
WWF Rate	0.00%	0.00%	0.00%	0.00%	1.96%
Tax Rate	41.49%	56.59%	28.05%	28.19%	53.90%
Net Profit / Deposits	-2.73%	-2.74%	-3.81%	-3.04%	4.95%
Deposits / Equity	-760.15%	-690.80%	-1,225.01%	-1,024.93%	713.60%