Ratings Bank Alfalah Limited

Equities

BAFL

PK0078701015

End-of-day quote Pakistan S.E. Other stock markets 06:00:00 2024-04-25 pm EDT			5-day change	1st Jan Change
59.04 ^PKR	+0.79%		+2.41%	+21.71%

Apr. 16	Bank Alfalah to Acquire Samba Bank	CI
Feb. 01	Bank Alfalah Limited Reports Earnings Results for the Full Year Ended December 31, 2023	CI

Strengths

The group's activity appears highly profitable thanks to its outperforming net margins.
Its low valuation, with P/E ratio at 2.29 and 2.5 for the ongoing fiscal year and 2025 respectively, makes the stock pretty attractive with regard to earnings multiples.
The company appears to be poorly valued given its net asset value.
The company is one of the best yield companies with high dividend expectations.
Over the last twelve months, the sales forecast has been frequently revised upwards.
For the last twelve months, analysts have been gradually revising upwards their EPS forecast for the upcoming fiscal year.
For the past twelve months, EPS forecast has been revised upwards.
Analysts covering this company mostly recommend stock overweighting or purchase.
The average price target of analysts who are interested in the stock has been strongly revised upwards over the last four months.
Analyst opinion has improved significantly over the past four months.

Weaknesses

According to Standard & Poor's' forecast, revenue growth prospects are expected to be very low for the next fiscal years.
The company's earnings growth outlook lacks momentum and is a weakness.
For the last four months, the sales outlook for the coming years has been revised downwards. No recovery of the group's activities is yet foreseen.
Over the past twelve months, analysts' opinions have been revised negatively.
The price targets of analysts who cover the stock differ significantly. This implies difficulties in evaluating the company and its business.

Ratings chart - Surperformance

Chart ESG Refinitiv

Sector: Banks

	1st Jan change	Capi.	ESG Refinitiv
BANK ALFALAH LIMITED	+21.71%	334M	B
JPMORGAN CHASE & CO.	+13.75%	556B	C+
BANK OF AMERICA CORPORATION	+12.36%	298B	C+
INDUSTRIAL AND COMMERCIAL BANK OF CHINA LIMITED	+8.64%	247B	C+
WELLS FARGO & COMPANY	+21.72%	210B	C
BANK OF CHINA LIMITED	+16.11%	170B	B-
CHINA CONSTRUCTION BANK CORPORATION	+6.88%	162B	B-
HSBC HOLDINGS PLC	+4.42%	153B	C+
ROYAL BANK OF CANADA	+0.10%	139B	B-
HDFC BANK LIMITED	-11.67%	138B	B-

Investor Rating

Trading Rating

ESG Refinitiv

Financials

Sales growth

Earnings Growth

EBITDA / Sales

Profitability

Finances

Valuation

P/E ratio

EV / Sales

Price to Book

Price to Free Cash Flow

Yield

Momentum

1 year Revenue revision

4 months Revenue revision

7 days Revenue revision

1 year EPS revision

4 months EPS revision

Consensus

Analyst Opinion

Potential Price Target

4m Target Price Revision

4m Revision of opinion

12m Revision of opinion

Business Predictability

Analyst Coverage

Divergence of Estimates

Divergence of analysts' opinions

Divergence of Target Price

Earnings quality

Environment

Emissions

Innovation

Use of resources

Governance

CSR Strategy

Management

Shareholders

Controversy

Technical analysis

ST Timing

MT Timing

LT Timing

RSI

Bollinger Spread

Unusual volumes