The Bank of Punjab (BOP)

COMMERCIAL BANKSALLSHRBKTIJSGBKTIKSE100KSE100PRKSE30PSXDIV20

36.10

+0.39%

As of 10-Jul-2026

52 Week RangeCurrent: 36.10

12.5344.17

Updated: 10-Jul-2026

1M+7.2%

3M+16.9%

1Y+196.9%

3Y+1,050.0%

5Y+509.2%

Valuation Snapshot

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

Updated through 08-Jul-2026

P/E

6.22x

P/B

1.21x

Showing 37 observations

Annual Ratio Highlights

Metric	2021	2022	2023	2024	2025
EPS	3.38	3.01	3.47	4.09	4.87
DPS	0.00	0.00	1.00	1.80	2.50
BVPS	16.76 PKR mn / Shr	19.88 PKR mn / Shr	24.68 PKR mn / Shr	28.28 PKR mn / Shr	31.83 PKR mn / Shr
PBV	2.14	1.81	1.46	1.27	1.13
Div Yield	0.00%	0.00%	2.78%	5.01%	6.96%
ROE	23.23%	18.07%	15.55%	15.44%	16.21%
ROA	1.09%	0.81%	0.61%	0.58%	0.60%
NII Growth	28.09%	2.95%	33.12%	7.84%	83.67%
Non Interest Income Growth	-39.41%	33.81%	67.53%	50.63%	-25.57%
Revenue Growth	3.87%	9.41%	41.93%	20.77%	42.52%
PBT Growth	53.54%	0.53%	14.65%	15.77%	45.72%
PAT Growth	79.15%	-12.92%	4.67%	17.96%	19.16%
Payout Ratio	0.00%	0.00%	28.82%	44.01%	51.33%

Metric	2021	2022	2023	2024	2025
Cost to Income	55.62%	67.03%	63.92%	71.14%	59.65%
Effective Tax Rate	32.42%	41.46%	46.56%	45.55%	55.47%
Operating Expense	2.29%	2.48%	2.73%	3.12%	3.20%
EPS Growth	79.25%	-12.89%	4.83%	17.87%	19.07%

Metric	2021	2022	2023	2024	2025
Net Interest Income / Deposits	3.25%	2.76%	2.98%	2.73%	4.31%
Non Interest Income / Deposits	0.86%	0.95%	1.29%	1.65%	1.06%
Total Revenue / Deposits	4.11%	3.71%	4.27%	4.39%	5.37%
Provisions / Deposits	-0.18%	-0.44%	0.00%	-0.25%	0.26%
Provisions / Advances	-0.38%	-0.91%	-0.01%	-0.52%	0.60%
Profit before WWF & Tax/Deposits	2.04%	1.69%	1.57%	1.55%	1.95%
WWF Rate	1.93%	1.54%	1.50%	1.96%	2.62%
Tax Rate	32.42%	41.46%	46.56%	45.55%	55.47%
Net Profit / Deposits	1.35%	0.97%	0.83%	0.83%	0.85%
Deposits / Equity	1,829.11%	1,886.70%	1,883.29%	1,848.34%	1,970.00%