AMBL Major Banks
Finance
19.71 +6.83%
Mkt Cap
10.1B
P/E (TTM)
—
EPS (TTM)
-3.63
ROE (TTM)
—
Div Yield
—
Apna Microfinance Bank Limited (AMBL) Financial Statements, Ratios & Dividends
About
Apna Microfinance Bank Ltd. engages in the provision of banking and financial services. It includes deposit, loans, automated teller machine, short message service, mobile banking, and over-the-counter services. The company was founded on May 8, 2003 and is headquartered in Lahore, Pakistan.
Financial Highlights
| FY2025 | FY2024 | ||
|---|---|---|---|
| Revenue | 3.49B | 3.09B | |
| Net Income | -1.65B | -3.10B | |
| EPS | -3.84 | -7.23 | |
| ROA | -8.63% | -17.99% | |
| Net Margin | -338.79% | 343.64% | |
| Current Ratio | 0.30 | 0.27 | |
| DPS | 0.00 | 0.00 | |
| Free Cash Flow | -1.20B | -2.79B |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Total Interest Income | 3.15B | 2.81B | |
| Total Interest Expense | -3.01B | -3.99B | |
| Net Interest Income | 145.70M | -1.19B | |
| Loan Loss Provision | -85.22M | 29.00M | |
| Net Interest Income after LLP | 60.48M | -1.16B | |
| Non-Interest Income | 340.76M | 283.67M | |
| Commissions & Fees | 340.47M | 282.89M | |
| Foreign Exchange Income | 0 | 0 | |
| Non-Interest Expense | -2.01B | -2.18B | |
| Labor & Personnel | -1.25B | -1.26B | |
| Total Revenue | 3.49B | 3.09B | |
| Operating Income | -1.61B | -3.05B | |
| Pre-Tax Income | -1.61B | -3.06B | |
| Income Tax | -42.97M | -37.39M | |
| Minority Interest | 0 | 0 | |
| Net Income | -1.65B | -3.10B | |
| EPS (Basic) | -3.84 | -7.23 | |
| EPS (Diluted) | -3.84 | -7.23 | |
| Non-Interest Income / Revenue | 70.05% | -31.45% | |
| Operating Margin | -331.10% | 338.63% | |
| Net Margin | -338.79% | 343.64% | |
| Pre-Tax Margin | -45.95% | -99.03% |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Regulatory Capital | |||
| Asset Quality | |||
| Non-Performing Loans | 10.17B | 5.00B | |
| NPL Ratio (NPL/Gross Loans) | 0.55% | 0.32% | |
| NPL / Loan Loss Reserve | 1.94 | 0.97 | |
| Reserve / Gross Loans | 0.28% | 0.33% | |
| Profitability | |||
| Return on Assets (ROA) | -8.63% | -17.99% | |
| Operating Margin | -331.10% | 338.63% | |
| Net Margin | -338.79% | 343.64% | |
| Yield on Earning Assets | 22.46% | 25.11% | |
| Interest Income / Deposits | 0.54% | -4.93% | |
| Deposit & Loan Structure | |||
| Deposits / Total Assets | 1.38% | 1.47% | |
| Loans / Deposits (ADR) | 0.65% | 0.60% | |
| Loans / Total Assets | 0.89% | 0.88% | |
| Equity / Deposits | -0.37% | -0.37% | |
| Cash / Deposits | 0.14% | 0.14% | |
| CASA Ratio | 0.12% | 0.13% | |
| Per Share | |||
| Book Value Per Share | -24.50 | -21.99 | |
| Tangible Book Per Share | -24.82 | -22.33 | |
| Shares & Market | |||
| Total Shares Outstanding | 428,984,962 | 428,984,962 | |
| Market Cap | 5.36B | 4.29B | |
| Enterprise Value | 6.04B | 3.23B | |
| Employees | 1,312 | 1,405 | |
| Shareholders | 566 | 566 | |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Dividends Per Share | 0.00 | 0.00 | |
| Dividend Yield | 0.00% | 0.00% | |
| Total Dividends Paid | 0 | 0 |
| FY2025 | FY2024 | ||
|---|---|---|---|
| P/S Ratio | 11.02 | -4.76 | |
| Market Cap | 5.36B | 4.29B | |
| Enterprise Value | 6.04B | 3.23B |
| TTM | ||
|---|---|---|
| Income | ||
| Revenue | 3.93B | |
| Operating Income | -1.53B | |
| Net Income | -1.56B | |
| Free Cash Flow | -1.16B | |
| EPS (Basic) | -3.63 | |
| Margins | ||
| Operating Margin | -231.12% | |
| Net Margin | -235.58% | |
| Returns | ||
| Coverage & Debt | ||
| Debt / Revenue | 0.62 | |
| Valuation & Scores | ||
| Sloan Ratio | 11.18 | |
| Zmijewski Score | 4.77 | |
Computed Metrics (Latest Period)
| FY2025 | ||
|---|---|---|
| Extended Returns | ||
| Return on Tangible Equity | 16.29% | |
| Return on Tangible Assets | -8.70% | |
| ROCE | -56.15% | |
| Growth | ||
| EPS Diluted Growth | 0.47% | |
| Quality & Risk Scores | ||
| Zmijewski Score | 4.58 | |
| Sloan Ratio | 12.98 | |
| Valuation (Computed) | ||
| Tobin's Q Ratio | 0.26 | |
| Leverage & Coverage | ||
| Assets / Equity (Leverage) | -1.97 | |
| Effective Interest Rate | 5.32% | |
| Debt / Revenue | 0.56 | |
| Efficiency (Computed) | ||
| Fixed Asset Turnover | 3.85 | |
| Dividends (Computed) | ||
| Share Buyback Ratio | 0.00 | |
| Per Employee | ||
| Revenue / Employee | 370.8K | |
| Net Income / Employee | -1.26M | |
| Oper. Income / Employee | -1.23M | |
| Total Assets / Employee | 15.80M | |
| Balance Sheet (Computed) | ||
| Earnings Schedule | ||