Stock AMBL APNA MICROFINANCE BANK LIMITED
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Financials Apna Microfinance Bank Limited

Equities

AMBL

PK0082601011

Banks

End-of-day quote Pakistan S.E.
Other stock markets
 23:00:00 25/06/2024 BST 		5-day change 1st Jan Change
14.75 PKR 0.00% Intraday chart for Apna Microfinance Bank Limited 0.00% -10.61%
05-30 Apna Microfinance Bank Limited Reports Earnings Results for the Full Year Ended December 31, 2023 CI
05-15 Tahira Raza Resigns from Board of Directors of Apna Microfinance Bank Limited CI

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 1,700 8,362 7,946 10,725 8,279 7,078
Enterprise Value (EV) 1 -1,955 2,205 -2,185 6,321 5,849 4,316
P/E ratio 45.3 x 143 x 213 x -5.17 x -1.84 x -1.97 x
Yield - - - - - -
Capitalization / Revenue 1.1 x 5.36 x 3.82 x -22.6 x -3.13 x -5.46 x
EV / Revenue -1.26 x 1.41 x -1.05 x -13.3 x -2.21 x -3.33 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 1.15 x 4.46 x 3.52 x 24.2 x -2.05 x -1.07 x
Nbr of stocks (in thousands) 250,000 343,985 343,985 428,985 428,985 428,985
Reference price 2 6.800 24.31 23.10 25.00 19.30 16.50
Announcement Date 03/04/19 08/04/20 25/03/21 20/09/22 12/06/23 30/05/24
1PKR in Million2PKR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 1,546 1,560 2,078 -474 -2,642 -1,297
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 100.5 89.34 57.87 -2,643 -4,876 -3,560
Net income 1 53.26 53.53 37.22 -1,931 -4,489 -3,594
Net margin 3.45% 3.43% 1.79% 407.34% 169.89% 277.06%
EPS 2 0.1500 0.1696 0.1082 -4.838 -10.47 -8.377
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share - - - - - -
Announcement Date 03/04/19 08/04/20 25/03/21 20/09/22 12/06/23 30/05/24
1PKR in Million2PKR
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 - - - - - -
Net Cash position 1 3,655 6,157 10,131 4,404 2,430 2,762
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 4.27% 3.2% 1.8% -145% 249% 67.3%
ROA (Net income/ Total Assets) 0.34% 0.28% 0.15% -7.24% -20.8% -19.6%
Assets 1 15,805 19,089 24,697 26,681 21,624 18,304
Book Value Per Share 2 5.890 5.450 6.570 1.030 -9.430 -15.50
Cash Flow per Share 2 14.70 17.80 29.50 12.10 6.930 7.630
Capex 1 57.7 147 68.6 69.6 36.8 4.81
Capex / Sales 3.73% 9.45% 3.3% -14.68% -1.39% -0.37%
Announcement Date 03/04/19 08/04/20 25/03/21 20/09/22 12/06/23 30/05/24
1PKR in Million2PKR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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