BAFL · Ratios · TradingHolo

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Bank Alfalah Ltd

KAR:BAFLFinancePSX:ALLSHRPSX:BKTI

Rs 55.88+0.41%LiveIn session · ≈ AED 0.7415 · Market cap $634.27M · Next earnings Wed 2 Dec

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Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	Trend	YoY
Operating margin	16.3%	19.8%	16.4%	17.6%	15.4%	15.0%		−0.4 pts
Net margin	10.3%	12.4%	7.8%	8.3%	7.3%	7.0%		−0.4 pts
Return on equity	11.7%	14.2%	18.0%	26.1%	22.0%	13.9%		−8.1 pts
Return on assets	0.8%	0.8%	0.8%	1.1%	1.1%	0.7%		−0.3 pts
Return on capital employed	3.8%	3.8%	4.8%	6.6%	7.9%	4.5%		−3.4 pts
Debt / equity	4.0×	5.2×	6.3×	8.7×	7.9×	5.9×		−25.8%
Debt / assets	27.0%	30.3%	28.3%	36.1%	38.7%	30.7%		−8.0 pts
Interest coverage	2.4×	2.4×	2.8×	3.1×	3.2×	2.8×		−12.7%
Current ratio	0.2×	0.2×	0.2×	0.3×	0.1×	0.2×		+6.6%
Quick ratio	0.2×	0.2×	0.2×	0.3×	0.1×	0.2×		+6.6%
Asset turnover	0.1×	0.1×	0.1×	0.1×	0.1×	0.1×		−28.9%
Dividend payout	65.2%	49.1%	18.4%	19.9%	58.2%	56.5%		−1.8 pts

Margins, returns, leverage and liquidityUpdated 31 Dec 2025 ·

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