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Bank Alfalah Ltd BAFL

Morningstar Rating
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About Quantitative Ratings

Morningstar Quantitative Ratings for Stocks are generated using an algorithm that compares companies that are not under analyst coverage to peer companies that do receive analyst-driven ratings. Companies with quantitative ratings are not formally covered by a Morningstar analyst, but are statistically matched to analyst-rated companies, allowing our models to calculate a quantitative moat, fair value, and uncertainty rating.

Price vs Fair Value

BAFL is trading at a 28% premium.
Price
PKR 62.32
Fair Value
PKR 92.77
Uncertainty
Very High
1-Star Price
PKR 395.13
5-Star Price
PKR 15.82
Economic Moat
Rzdz
Capital Allocation
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Trading Information

Previous Close Price
Day Range
52-Week Range
Bid/Ask
/
Market Cap
Volume/Avg
/

Key Statistics

Price/Earnings (Normalized)
2.68
Price/Sales
0.62
Dividend Yield (Trailing)
16.02%
Dividend Yield (Forward)
16.02%
Total Yield
16.02%

Company Profile

Bank Alfalah Ltd provides banking and financial services. The company's reportable segments include Retail banking, Corporate Banking, Treasury, Digital banking, Islamic banking, International Operations and Others. It generates maximum revenue from the Retail banking segment. Retail banking segment includes loans, deposits, trading activity, wealth management and other banking transactions with retail, individual, commercial and small and middle sized customers of the Bank. Geographically, it derives a majority of revenue from Pakistan.
Sector
Financial Services
Industry
Banks - Regional
Stock Style Box
Small Value
Total Number of Employees
14,852

Comparables

Valuation

Metric
BAFL
NBP
UBL
Price/Earnings (Normalized)
2.681.654.62
Price/Book Value
0.690.221.01
Price/Sales
0.620.401.52
Price/Cash Flow
4.181.293.96
Price/Earnings
BAFL
NBP
UBL

Financial Strength

Metric
BAFL
NBP
UBL
Quick Ratio
Current Ratio
Interest Coverage
Quick Ratio
No chart available

Profitability

Metric
BAFL
NBP
UBL
Return on Assets (Normalized)
1.38%0.81%1.25%
Return on Equity (Normalized)
31.72%14.33%23.43%
Return on Invested Capital (Normalized)
Return on Assets
BAFL
NBP
UBL
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Banks - Regional Industry Comparables

Ticker
Name
Morningstar Rating for Stocks
Capital Allocation
Economic Moat
Market Cap
BNPQY
BNP Paribas ADRPcyvprhpSljr$88.9 Bil
ISNPY
Intesa Sanpaolo ADRDtmnwxsmbhVfmp$74.8 Bil
USB
U.S. BancorpFfczhchqcZkzcd$64.6 Bil
PNC
PNC Financial Services Group IncVvgtgjpzMnqzhm$63.8 Bil
ITUB
Itau Unibanco Holding SA ADRNklhsypjmHyjpj$59.1 Bil
TFC
Truist Financial CorpNblvvgsQhflfg$53.5 Bil
MFG
Mizuho Financial Group Inc ADRWwcwghrWmn$51.1 Bil
LYG
Lloyds Banking Group PLC ADRDmkfljnWmqmr$44.3 Bil
NWG
NatWest Group PLC ADRMpsKdb$35.9 Bil
DB
Deutsche Bank AGVfhwMscx$34.1 Bil

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