Soneri Bank Limited (SNBL)

COMMERCIAL BANKSALLSHR

23.77

+1.28%

As of 09-Jul-2026

52 Week RangeCurrent: 23.77

17.1232.98

Updated: 09-Jul-2026

1M+19.4%

3M+19.0%

1Y+13.8%

3Y+228.1%

5Y+259.3%

Valuation Snapshot

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

Updated through 08-Jul-2026

P/E

5.45x

P/B

0.77x

Showing 37 observations

Annual Ratio Highlights

Metric	2021	2022	2023	2024	2025
EPS	2.59	1.71	5.51	5.35	4.13
DPS	1.50	1.00	3.00	3.00	1.50
BVPS	19.63 PKR mn / Shr	19.18 PKR mn / Shr	25.95 PKR mn / Shr	27.95 PKR mn / Shr	33.37 PKR mn / Shr
PBV	1.20	1.22	0.90	0.84	0.70
Div Yield	6.39%	4.26%	12.78%	12.78%	6.39%
ROE	12.74%	8.80%	24.42%	19.86%	13.49%
ROA	0.54%	0.32%	0.98%	0.84%	0.57%
NII Growth	2.66%	3.01%	102.00%	9.62%	8.39%
Non Interest Income Growth	12.69%	20.23%	25.24%	4.57%	20.40%
Revenue Growth	5.29%	7.85%	77.89%	8.51%	10.96%
PBT Growth	27.61%	-11.56%	171.34%	2.27%	-8.17%
PAT Growth	18.92%	-34.02%	222.62%	-2.86%	-22.76%
Payout Ratio	57.92%	58.48%	54.45%	56.07%	36.32%

Metric	2021	2022	2023	2024	2025
Cost to Income	66.92%	74.55%	52.95%	61.59%	68.87%
Effective Tax Rate	44.57%	58.65%	50.84%	53.31%	60.74%
Operating Expense	2.72%	3.01%	3.34%	3.68%	3.93%
EPS Growth	18.81%	-33.98%	222.22%	-2.90%	-22.80%

Metric	2021	2022	2023	2024	2025
Net Interest Income / Deposits	2.92%	2.77%	4.91%	4.70%	4.39%
Non Interest Income / Deposits	1.15%	1.27%	1.39%	1.27%	1.32%
Total Revenue / Deposits	4.07%	4.04%	6.30%	5.98%	5.71%
Provisions / Deposits	-0.03%	-0.09%	0.30%	-0.09%	-0.11%
Provisions / Advances	-0.07%	-0.20%	0.67%	-0.21%	-0.29%
Profit before WWF & Tax/Deposits	1.41%	1.15%	2.72%	2.43%	1.92%
WWF Rate	2.28%	2.13%	2.00%	2.00%	1.96%
Tax Rate	44.57%	58.65%	50.84%	53.31%	60.74%
Net Profit / Deposits	0.76%	0.46%	1.31%	1.11%	0.74%
Deposits / Equity	1,862.81%	1,937.21%	1,809.91%	1,762.89%	1,873.23%