Stock BOP THE BANK OF PUNJAB
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Financials The Bank of Punjab

Equities

BOP

PK0045001010

Banks

End-of-day quote Pakistan S.E.
Other stock markets
 06:00:00 2024-04-28 pm EDT 		5-day change 1st Jan Change
5.18 PKR -1.71% Intraday chart for The Bank of Punjab -4.78% -20.06%
Feb. 20 The Bank of Punjab Reports Earnings Results for the Full Year Ended December 31, 2023 CI
2023 The Bank of Punjab Reports Earnings Results for the Third Quarter and Nine Months Ended September 30, 2023 CI

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 31,645 29,953 24,507 22,392 13,592 21,200
Enterprise Value (EV) 1 23,200 72,749 129,948 37,825 70,138 424,316
P/E ratio 4.2 x 3.67 x 3.59 x 1.82 x 1.28 x 1.91 x
Yield 6.27% 6.62% 10.8% - - 15.4%
Capitalization / Revenue 1.27 x 1.03 x 0.83 x 0.57 x 0.29 x 0.36 x
EV / Revenue 0.93 x 2.5 x 4.39 x 0.96 x 1.51 x 7.24 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 0.84 x 0.65 x 0.47 x 0.41 x 0.21 x 0.27 x
Nbr of stocks (in thousands) 3,271,573 3,271,573 3,271,573 3,271,573 3,271,573 3,271,569
Reference price 2 9.673 9.156 7.491 6.844 4.155 6.480
Announcement Date 3/8/19 3/10/20 3/8/21 3/8/22 3/8/23 3/7/24
1PKR in Million2PKR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 25,006 29,089 29,633 39,580 46,363 58,573
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 12,272 14,072 11,926 18,371 18,377 21,129
Net income 1 7,537 8,160 6,819 12,316 10,628 11,081
Net margin 30.14% 28.05% 23.01% 31.12% 22.92% 18.92%
EPS 2 2.303 2.494 2.084 3.764 3.245 3.387
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share 2 0.6061 0.6061 0.8081 - - 1.000
Announcement Date 3/8/19 3/10/20 3/8/21 3/8/22 3/8/23 3/7/24
1PKR in Million2PKR
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2020 S1 2021 Q4 2022 S1 2023 Q1 2023 Q2
Net sales 11,527 - - - -
EBITDA - - - - -
EBIT - - - - -
Operating Margin - - - - -
Earnings before Tax (EBT) - - - - -
Net income 1 - - 5,362 - 2,193
Net margin - - - - -
EPS - - 1.636 - -
Dividend per Share - 1.010 - - -
Announcement Date 8/27/20 3/8/22 8/27/22 5/1/23 8/25/23
1PKR in Million
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 - 42,796 105,441 15,433 56,546 403,117
Net Cash position 1 8,445 - - - - -
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 22.5% 19.5% 13.9% 23.1% 17.8% 15.5%
ROA (Net income/ Total Assets) 1.11% 1.04% 0.7% 1.08% 0.8% 0.61%
Assets 1 678,791 781,037 973,985 1,139,193 1,334,724 1,820,692
Book Value Per Share 2 11.50 14.20 15.90 16.60 19.70 24.40
Cash Flow per Share 2 8.700 11.30 11.20 11.10 10.30 14.20
Capex 1 1,531 1,063 1,069 1,843 3,839 4,478
Capex / Sales 6.12% 3.66% 3.61% 4.66% 8.28% 7.64%
Announcement Date 3/8/19 3/10/20 3/8/21 3/8/22 3/8/23 3/7/24
1PKR in Million2PKR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
1
Last Close Price
5.18 PKR
Average target price
6.2 PKR
Spread / Average Target
+19.69%
Consensus

Annual profits - Rate of surprise

Company calendar

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