Financials / Banking ServicesUpdated 2026-05-10 22:07 UTC

PSX/BAFL stock hub

PSX/BAFL has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

186.4B

Pakistan Stock Exchange

Market data

Live price

Current market quote for this ticker.

Current price

PSX/BAFL

In the news

Latest news · PSX/BAFL

Recent company headlines from major financial publishers.

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Fetching the latest headlines.

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Fetching the latest headlines.

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Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E6.7

P25 5.8P50 6.5P75 7.2

Trailing P/E5.9

P25 5.4P50 6.5P75 9.8

ROE17

P25 6.2P50 14.9P75 20

ROICn/a

P25 3.1P50 9.5P75 15.3

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All PSX/BAFL market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

185

Groups with data

Currency

PKR

Showing 185 of 185 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Country	Pakistan
Country code	PK
Employees	17,481
Employees Change	1,017%
Employees Change Percent	6.18
Exchange	Pakistan Stock Exchange
Financial currency	PKR
First seen	2026-05-10
Industry	Banking Services
Isin	PK0078701015
Last refreshed	2026-05-10
Market cap	PKR 186.4B
Price	PKR 59.08
Price currency	PKR
Rev Per Employee	10,935,796.41x
Sector	Financials
Sic	6020
Symbol	psx/BAFL
Website	https://www.bankalfalah.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	17.02%
FCF yield	-512.08%
Forward P/E	6.73x
P/B ratio	0.98x
P/E ratio	5.86x
P/S ratio	0.97x
PE Ratio10 Y	5.11x
PE Ratio3 Y	3.44x
PE Ratio5 Y	3.5x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Gross Profit	PKR 185.6B
Net Income	PKR 31.7B
Net Income Growth	-14.25%
Net Income Growth Q	55.27%
Net Income Growth3 Y	9.53%
Net Income Growth5 Y	22.81%
Pretax Margin	36.42%
Profit Margin	16.59%
Profit Per Employee	PKR 1.8M
ROA	0.97
Roa5y	1
ROE	17.05
Roe5y	20.44

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr10y	30.13%
Cagr15y	30.26%
Cagr1y	89.42%
Cagr20y	18.49%
Cagr3y	80.12%
Cagr5y	49.86%
Div CAGR10	28.32%
Div CAGR3	30.06%
Div CAGR5	22.42%
EPS Growth	-14.25
EPS Growth Q	55.27
EPS Growth3 Y	12.78
EPS Growth5 Y	25.81
Revenue Growth	8.82x
Revenue Growth Q	26.34x
Revenue Growth3 Y	22.82x
Revenue Growth5 Y	29.98x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Assets	PKR 3T
Cash	PKR 467.7B
Debt	PKR 182.1B
Debt FCF	PKR -0.19
Equity	PKR 190.7B
Liabilities	PKR 2.9T
Net Cash	PKR 285.6B
Net Cash By Market Cap	PKR 153
Net Debt Equity	PKR -1.5
Tangible Book Value	PKR 188.9B
Tangible Book Value Per Share	PKR 59.9
WACC	4.07

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working Capital	PKR -1.9T

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	0%
Dividend Growth	22.22%
Dividend Growth Years	0%
Dividend per share	PKR 6
Dividend Years	9
Dividend Yield	10.16%
Ex Div Date	2026-05-05
Last Dividend	PKR 1.5
Payout Frequency	Quarterly
Payout Ratio	44.54%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y total return	1,292.07%
1Y total return	89.33%
200-day SMA	55.4
3Y total return	484.59%
50-day SMA	58.71
50-day SMA vs 200-day SMA	50over200
5Y total return	655.73%
All Time High	68.5
All Time High Change	-13.75%
All Time High Date	2026-02-04
All Time Low	3.33
All Time Low Change	1,674.17%
All Time Low Date	2009-01-26
ATR	2.41
Beta	0.69
Beta1y	0.88
Beta2y	0.4
Ch YTD	8.35
High	59.95
High52	68.5
High52 Date	2026-02-04
High52ch	-13.75%
Low	58.8
Low52	31.25
Low52 Date	2025-05-08
Low52ch	89.06%
Ma50ch	0.64%
Price vs 200-day SMA	6.65%
RSI	47.32
RSI Monthly	66.03
RSI Weekly	53.29
Sharpe ratio	1.85x
Sortino ratio	3.36
Total Return	10.16%
Tr YTD	14.15
Tr15y	5,173.03%
Tr1m	9.61%
Tr1w	1.08%
Tr3m	-4.81%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Operating Income	PKR 69.4B
Operating margin	36.31

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	917,770,740%
Net Borrowing	-7,006,052,000
Shares Insiders	21.76%
Shares Institutions	4.17%
Shares Out	3,154,330,238
Shares Qo Q	0%
Shares Yo Y	-0%

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Adjusted FCF	PKR -954.3B
Average Volume	5,011,460.05x
Bv Per Share	60.44
CAPEX	PKR -11.6B
Ch10y	408.7
Ch15y	1,163.2
Ch1m	6.86
Ch1w	-1.45
Ch1y	70.88
Ch20y	408.3
Ch3m	-9.64
Ch3y	280.9
Ch5y	273.8
Ch6m	12.38
Change	-1.24%
Change From Open	-0.37
Close	59.82
Days Gap	-0.87
Dollar Volume	100,266,676.7
Earnings Date	2026-04-23
EPS	PKR 10.05
F Score	2
FCF	PKR -954.3B
FCF Per Share	PKR -303
Financing CF	432,311,114,000
Fiscal Year End	December
Founded	1,992
Graham Number	116.93098
Graham Upside	97.92
Income Tax	PKR 37.8B
Investing CF	549,572,580,000
Is Primary Listing	1
Last Earnings Date	2026-04-23
Last Report Date	2026-03-31
Last Split Date	2026-04-20
Last Split Type	Forward
Lynch Fair Value	PKR 229
Lynch Upside	288.2
Ma150	57.15
Ma150ch	3.39%
Ma20	61.02
Ma20ch	-3.18%
Net CF	39,652,803,000
Open	59.3
Payment Date	2026-06-01
Position In Range	24.35
Ppne	98,270,812,000
Price Date	2026-05-08
Ptbv Ratio	0.99
Relative Volume	0.34x
Revenue	191,168,657,000x
Tax By Revenue	19.79x
Tax Rate	54.34%
Tr20y	2,875.12%
Tr6m	18.39%
Volume	1,697,134

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

PSX/BAFL dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+10.2%

$6.00 annual per share

Payout ratio

+44.5%

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

+22.4%

0 consecutive years of growth

Total shareholder yield

+10.2%

Next ex-dividend date: 2026-05-05

Performance

PSX/BAFL stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns PSX/BAFL?

Insider, institutional, and short-interest positioning.

Institutional ownership

+4.2%

Share of float held by funds and institutions

Insider ownership

+21.8%

Stake held by company insiders. Higher generally signals alignment.

Short interest

n/a

Float sold short by bearish positioning

Y/Y dilution

-0.0%

Negative means the company is buying back shares.

Technical

PSX/BAFL momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

47.3

Neutral momentum band

Price vs 200-day MA

+6.6%

50/200-day relationship not available

Beta (5Y)

0.69

Less volatile than the market

Sharpe ratio

1.85

Risk-adjusted return — higher is better; >1.0 is solid.

Questions

About PSX/BAFL

Hub-level FAQ points readers to the deeper analysis pages.

What is the current psx/BAFL stock rating?

psx/BAFL is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full psx/BAFL analysis?

The full report lives at /stocks/psx/BAFL/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for psx/BAFL?

The latest report frames psx/BAFL around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the psx/BAFL page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.