BOK.KAR Bank of Khyber
- Market cap
- -
- P/E
- -
- P/B
- -
- ROE
- 13.5%
- Dividend yield
- -
- Fundamental score
- 2.3/5
Ratios use the latest price and the current fiscal year annualized from 2 quarters up to Jun 2026.
Is BOK.KAR undervalued?
Graham numberThe Graham number of Bank of Khyber cannot be estimated reliably (it needs positive earnings and book value).
Graham number = √(22.5 × EPS × book value per share): the most a defensive investor should pay according to Benjamin Graham. An estimate, not a recommendation to buy or sell. How is it calculated?
Bank of Khyber fundamental analysis
9 of 18 checks passedROE 1/2
Moderate return on equity (13.5%), between 10% and 20%.
ROA 0/1
Return on assets (0.5%) is below the industry median (0.9%).
Profit Consistency 2/2
Profitable for 10 consecutive years.
Earnings Growth 5Y 1/1
Earnings per share grew over the past 5 years.
Earnings Acceleration 1/1
Last year's EPS growth (60.9%) is above the 5-year average (22.0% a year).
Earnings Growth vs Industry 1/1
Last year's EPS growth (60.9%) is above the industry median (-7.6%).
Revenue Growth 2/2
Revenue grew 41.5% a year over the past 3 years.
Leverage 0/2
Total assets are 27.2x equity, a high leverage for a financial company.
Equity Growth 1/1
Shareholders' equity grew over the past 5 years.
PE vs Market 0/1
PE is negative or not available.
PE vs Industry 0/1
PE is negative or not available.
PBV 0/1
Price to book is negative or not available.
Graham Number 0/1
Graham number needs positive earnings and book value.
PEG 0/1
PEG needs positive PE and positive 5-year earnings growth.
Dividend Yield 0/2
Dividend yield cannot be calculated.
Dividend Stability 0/2
Dividends were not paid steadily for the past 5 years.
Dividend Growth 1/1
Dividends paid grew over the past 5 years.
Payout Ratio 1/1
Payout ratio is 63.1%, covered by earnings.
Each check is worth 1 or 2 points by how much it says about the quality of the company. The score is the share of points earned, out of 5. Ask AI to explain this score
Bank of Khyber stock price
Prices on the chart can differ slightly from the closing prices StockSummer uses for its ratios.
Bank of Khyber financial statements
2026 annualized: Fiscal year 2026 is not finished. Income statement and cash flow are annualized from 2 quarters up to Jun 30, 2026, the balance sheet is the latest quarter. Figures change when the annual report is published.
Bank of Khyber annual financial statements (PKR; K = thousand, M = million, B = billion, T = trillion)
| Item | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 Anlz |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||
| Revenue | 7.18B | 6.44B | 4.61B | 5.83B | 9.38B | 7.41B | 8.12B | 16.0B | 18.2B | 23.0B | 18.6B |
| Net Income | 2.02B | 1.79B | 466M | 1.31B | 2.15B | 1.10B | 455M | 3.48B | 3.62B | 5.82B | 2.95B |
| EPS | - | 1.70 | 0.44 | 1.24 | 1.86 | 0.95 | 0.39 | 3.01 | 3.12 | 5.02 | 2.55 |
| Balance Sheet | |||||||||||
| Total Assets | 206B | 245B | 223B | 306B | 288B | 359B | 345B | 383B | 478B | 453B | 596B |
| Total Liabilities | 190B | 230B | 211B | 292B | 271B | 342B | 329B | 363B | 456B | 430B | 575B |
| Shareholders' Equity | 16.1B | 15.4B | 11.7B | 14.2B | 17.8B | 16.6B | 16.4B | 20.3B | 21.9B | 23.7B | 21.9B |
| Cash & Short-term Investments | 18.6B | 12.4B | 16.3B | 22.6B | 25.2B | 29.8B | 23.9B | 30.3B | 27.5B | 29.9B | 49.3B |
| Cash Flow | |||||||||||
| Operating Cash Flow | 55.5B | -3.66B | -36.7B | 55.6B | -31.7B | 78.7B | -15.4B | 58.7B | 58.1B | 408M | 205B |
| Capital Expenditure | 390M | 577M | 258M | 615M | 869M | 1.51B | 1.08B | 809M | 679M | 1.49B | 635M |
| Free Cash Flow | - | -4.24B | -37.0B | 54.9B | -32.6B | 77.2B | -16.5B | 57.8B | 57.4B | -1.08B | 204B |
| Ratios | |||||||||||
| ROE | 12.5% | 11.6% | 4.0% | 9.2% | 12.1% | 6.7% | 2.8% | 17.1% | 16.5% | 24.6% | 13.5% |
| ROA | 1.0% | 0.7% | 0.2% | 0.4% | 0.7% | 0.3% | 0.1% | 0.9% | 0.8% | 1.3% | 0.5% |
| Net Profit Margin | 28.2% | 27.8% | 10.1% | 22.4% | 23.0% | 14.9% | 5.6% | 21.7% | 19.9% | 25.3% | 15.9% |
What these items mean
- Revenue
- Total sales of goods and services in the period.
- Net Income
- Profit left for shareholders after all expenses, interest and taxes.
- EPS
- Net income divided by shares outstanding.
- Total Assets
- Everything the company owns.
- Total Liabilities
- Everything the company owes.
- Shareholders' Equity
- Assets minus liabilities: the book value that belongs to shareholders.
- Cash & Short-term Investments
- Cash and investments that can be turned into cash quickly.
- Operating Cash Flow
- Cash generated by the core business.
- Capital Expenditure
- Cash spent on property, plant and equipment.
- Free Cash Flow
- Operating cash flow minus capital expenditure: cash left for dividends, buybacks or debt repayment.
- ROE
- Return on equity: net income divided by shareholders' equity.
- ROA
- Return on assets: net income divided by total assets.
- Net Profit Margin
- Net income as a share of revenue.
Bank of Khyber dividends
- Dividend yield
- -
- Forward dividend
- -
- Payout ratio
- 63.1%
- Ex-dividend date
- -
| Fiscal year | Dividends paid | Per share | Payout ratio |
|---|---|---|---|
| 2025 | PKR 3.67B | 3.17 | 63.1% |
| 2024 | PKR 1.64B | 1.42 | 45.4% |
| 2023 | PKR 168K | 0.00 | 0.0% |
| 2022 | PKR 3.17M | 0.00 | 0.7% |
| 2021 | PKR 1.46B | 1.26 | 132.7% |
| 2020 | PKR 500M | 0.43 | 23.2% |
| 2019 | PKR 57.0K | 0.00 | 0.0% |
| 2018 | PKR 1.50B | 1.43 | 322.0% |
| 2017 | PKR 1.49B | 1.42 | 83.2% |
From the cash flow statement: dividends paid in the fiscal year, divided by that year's shares outstanding. Payout ratio = dividends paid / net income.
Who owns Bank of Khyber
Ownership data of Bank of Khyber is not available yet.
Bank of Khyber company profile
- Company name
- Bank of Khyber
- Ticker
- BOK.KAR
- ISIN
- PK0085401013
- Exchange
- Karachi Stock Exchange
- Sector
- Financials
- Industry
- Consumer Finance
- Fiscal year end
- December
- Address
- Website
- -