FABL Faysal Bank Limited

SHARIAH COMPLIANTAll-Share KMI All-Share KSE-100 MII-30 PSX Div 20

Rs 94.69

▲ +0.81 (+0.86%)

Vol 1.1M · Close · 23 Sep 2026 ● live

Market cap Market cap What the whole company costs at today's price. How it's worked out Share price multiplied by every share in issue. How to read it It is the company's size, not its value. A big number is not expensive and a small one is not cheap — that is what the multiples below are for.: Rs 144B; as of 23 Sep 2026
P/E (TTM) P/E ratio Rupees you pay for each rupee the company earned last year. How it's worked out Share price divided by earnings per share over the last twelve reported months. How to read it Lower looks cheaper, but only against something — the same company's history, its sector, or the market. A P/E on its own means very little, and it is blank when a company lost money.: 6.6×
Dividend yield Dividend yield Cash paid out over the last year as a percentage of today's price. How it's worked out Dividends per share over twelve months divided by the share price. How to read it A very high yield is often a warning, not a gift: it usually means the price fell. Check the payout ratio next to see whether earnings actually cover it.: 6.86%; as filed by PSX
Avg volume (30d) Average volume Shares changing hands on a typical day. How it's worked out The mean daily volume over thirty sessions. How to read it Shares, not rupees — a million shares of a Rs 3 stock is a small market. "Traded per session" is the version in money.: 499K

52-week range 63% of range

75.50 94.69 106.00

1W: +2.88%
1M: −1.94%
3M: −2.29%
6M: +9.84%
YTD: +2.07%
1Y: +24.51%

Free float Free float The shares that can actually be bought and sold. How it's worked out Total shares minus the blocks held by sponsors, the government and other locked-in holders, as the exchange reports them. How to read it The float, not the market cap, is what sets how easily a real position can be built or unwound.: 531M; 35% of shares
Shares outstanding Free float The shares that can actually be bought and sold. How it's worked out Total shares minus the blocks held by sponsors, the government and other locked-in holders, as the exchange reports them. How to read it The float, not the market cap, is what sets how easily a real position can be built or unwound.: 1.5B
Day range: 93.51 – 95.00; prev close 93.88
Shariah: Compliant

What's good about FABL, and what isn't

Read off the numbers below · 23 Sep 2026

Every line states the bar it was judged against, so you can disagree with the bar rather than argue with a verdict. Nothing here is scored or ranked, and where a number is missing the sentence is simply not written.

In its favour

Trades 22% below the KSE-100's own multiple.

20% or more below the market P/E
The multiple is covered by growth — a PEG of 0.27.

PEG below 1 on three-year earnings growth
The dividend is covered 2.2 times by earnings.

Earnings at least twice the dividend
Paid 4 times in the last twelve months.

Four or more cash dividends in a year
Earnings per share compounded 25% a year over three years.

Three-year EPS growth of 15% or more
Net margin is 2.3 points wider than three years ago.

Margin up 2 points or more over three years
A Rs 1,000,000 order is a rounding error in a normal session.

Under 5% of a session's turnover
It beat the KSE-100 by 22 points over the last year.

Ten points or more ahead of the index over a year

Not advice, and not a score. These are descriptions of numbers Equivest holds, nothing more.

FABL · 1-year close +25.02% · 251 sessions

22 Sep H 104.18 · 6 Jul L 75.73 · 24 Sep 23 Sep

Open FABL in the plotter → Compare with the KSE-100

Trend read

Sideways

Since 18 Sep 2026 · daily closes to 23 Sep 2026

•Below the 50-day average, above the 200-day
•Volume 2.5× the 20-day average

Heavy Volume

A description of the price series — moving averages, momentum, the 52-week position — held for three closes before it changes. It is a label, not advice. How it works →

RSI (14) RSI (14) Whether recent buying or selling has run hot. How it's worked out Fourteen sessions of gains weighed against losses, on a 0–100 scale. How to read it Above 70 is called overbought and below 30 oversold, but strong stocks stay above 70 for months. It describes momentum, it does not forecast a turn.: 50; neutral band
vs 50-day avg: −2.5%; SMA Rs 97.09
vs 200-day avg: +1.6%; SMA Rs 93.21
Beta vs KSE-100 Beta How hard it swings when the market swings. How it's worked out The slope of this stock's daily returns against the KSE-100's, over a year of sessions. How to read it 1.0 moves with the market, 1.5 exaggerates it by half, below 1 is steadier. It says nothing about direction, only about size.: 1.17; correlation 0.78 · 1Y
Volatility Volatility, 30-day How jumpy it has been lately, stated per year. How it's worked out The standard deviation of the last 30 days of returns, annualised. How to read it 30% means a typical year's swing of about thirty percent either way. Rising volatility often arrives before news does.: 13%; 30d · 20% 90d, annualised
Max drawdown · 1Y Biggest drawdown The worst peak-to-trough fall of the last year. How it's worked out The largest drop from any high to any subsequent low over 250 sessions. How to read it The number that tells you whether you could have held it. Most people discover their real risk tolerance somewhere inside this figure.: −27.0%
Volume vs 20-day avg Volume vs normal How busy today was against a typical day. How it's worked out The latest session's volume divided by the twenty-day average. How to read it Above 2 means something happened — an announcement, a block, a rumour. Check the news before reading anything into the price.: 2.48×; avg 476K
52-week signal Position in 52-week range Where today's price sits between the year's low and high. How it's worked out Zero at the 52-week low, 100 at the high. How to read it Near 100 is strength or froth; near 0 is a bargain or a falling knife. The number tells you where you are, never which of the two.: Inside range
Stats as of: 23 Sep 2026

The numbers behind the numbers

Computed from reported filings and FABL's own price history · 23 Sep 2026

A P/E on its own says little. These put FABL's valuation next to its sector and the market, its dividend next to its earnings, its quoted price next to how much of it actually trades, and its return next to the risk taken to earn it.

Valuation in context

Earnings yield Earnings yield The P/E turned upside down, so it compares with a savings rate. How it's worked out 100 divided by the P/E ratio. How to read it If a company earns 17% against its price and a T-bill pays 12%, you can finally compare the two. It is what the business earns, not what it pays you — the dividend yield is the cash that reaches your account.: 15.11%
Price to sales Price to sales What you pay for each rupee of revenue. How it's worked out Market cap divided by the latest reported annual sales. How to read it Useful where earnings are negative or lumpy and a P/E says nothing. It ignores costs entirely, so a low number does not mean a good business.: —
PEG (P/E ÷ 3-year growth) PEG The P/E measured against how fast earnings are growing. How it's worked out P/E divided by the three-year growth rate of earnings per share. How to read it Under 1 is the old rule of thumb for a multiple that growth justifies. Blank when earnings are shrinking, because the ratio flips sign and stops meaning anything.: 0.27
vs the KSE-100's P/E vs the KSE-100's P/E Whether this company is dearer or cheaper than the market as a whole. How it's worked out Its P/E against the KSE-100's, which we compute as the total market cap of the index over the total earnings of its members. How to read it −30% means it trades thirty percent below the market's multiple. Cheap against the market is a question, not an answer: often the market is right about why.: -22%
Position in 52-week range Position in 52-week range Where today's price sits between the year's low and high. How it's worked out Zero at the 52-week low, 100 at the high. How to read it Near 100 is strength or froth; near 0 is a bargain or a falling knife. The number tells you where you are, never which of the two.: 63%
vs KSE-100, one year vs KSE-100, one year How far ahead of or behind the market it finished. How it's worked out Its one-year return minus the KSE-100's, in percentage points. How to read it "Up 12%" means one thing when the index rose 20% and another when it fell. Unlike alpha, this ignores how much market risk was carried to get there.: +21.6 pts

Its P/E is lower than 58% of the commercial banks companies with reported earnings, and it yields more than 22% of them.

Income & quality

Dividend per share, 12 months Dividend per share The actual rupees per share paid out over the last twelve months. How it's worked out Every cash dividend with an ex-date in the last year, added up from the exchange's own book-closure notices. How to read it Multiply by your shares and that is the cash that reached you, before tax. Bonus shares are not in here — they are not money.: Rs 6.50
Cash dividends paid, 12 months Dividends paid How many times it paid cash in the last twelve months. How it's worked out A count of cash dividends with an ex-date in the last year. How to read it Four usually means a quarterly payer, one means an annual one. A steady cadence is worth more to an income investor than a single big number.: 4
Payout ratio Payout ratio How much of its profit the company hands to shareholders. How it's worked out Dividend per share over the last year divided by earnings per share. How to read it Above 100% means it paid out more than it earned — possible from reserves for a year, not for five. Low means it is keeping money to reinvest, which is not automatically bad.: 46%
Dividend cover Dividend cover How many times over the earnings could pay the dividend. How it's worked out Earnings per share divided by dividend per share — the payout ratio the other way round. How to read it Above 2 is comfortable. Below 1 means the dividend is coming from somewhere other than this year's profit.: 2.20×
Net margin Net margin How much of every rupee of sales survives to profit. How it's worked out Net profit after tax divided by sales, from the annual filing. How to read it Compare it only within an industry — a supermarket at 3% can be healthier than a manufacturer at 10%. The direction matters more than the level.: 13.1%
Margin, 3-year change Margin, 3-year change Whether the business is getting more or less profitable. How it's worked out The latest net margin minus the one three years earlier, in percentage points. How to read it A widening margin on flat sales is a company with pricing power. A shrinking one is usually costs, competition, or both.: +2.3 pts
EPS growth, 3-year EPS growth, 3-year How fast profit per share has compounded. How it's worked out The annual rate that turns the earnings per share of three years ago into today's. How to read it Blank if the company was losing money three years ago — a move from a loss to a profit has no meaningful growth rate, and printing one would be arithmetic pretending to be insight.: +24.6% a year
Sales growth, 3-year Sales growth, 3-year How fast revenue has compounded. How it's worked out The annual rate that turns the sales of three years ago into today's. How to read it Read it next to EPS growth. Sales rising faster than profit means the growth is being bought with margin.: —

It paid out 46% of earnings and kept the rest.

Can you actually trade it

Median traded per session Traded per session The rupees that change hands on a typical day. How it's worked out The median of price times volume over the last 60 sessions — the median, so one block trade cannot make a dead stock look busy. How to read it This is the number that decides whether the quoted price is a price you can actually get.: Rs 58M
Sessions to trade Rs 1M Sessions to trade Rs 1M How long it would take to buy or sell a Rs 1,000,000 position. How it's worked out Rs 1,000,000 divided by the median rupees traded a session. How to read it Under 0.01 and your order is a rounding error. Above 1 and you are the day's volume — expect to move the price against yourself getting out.: 0.02
Untraded sessions, last 60 Untraded sessions Days in the last 60 when literally nothing traded. How it's worked out A count of sessions with zero volume. How to read it Any number above zero means there are days you could not have sold at any price. On PSX this is common well outside the KSE-100.: 0
Daily volume vs free float Daily volume vs free float What share of the tradable stock changes hands on a normal day. How it's worked out Average daily volume divided by the free float — the shares not locked up by sponsors. How to read it A company can be huge and still barely trade if the family owns 90% of it. This separates size from liquidity.: 0.09%
Price impact per Rs 1M traded Price impact per Rs 1M How far your own order moves the price. How it's worked out The median of the day's absolute price move divided by the day's turnover, scaled to a Rs 1,000,000 ticket. Traders call it the Amihud ratio. How to read it Under 1 basis point and the market swallows your order whole. Three figures and your buying is the reason the price went up — which you will discover again on the way out.: 1 bps
Implied bid-ask spread Implied bid-ask spread The hidden cost of a round trip, estimated from the price series. How it's worked out Roll's estimator: prices bounce between bid and ask, and the size of that bounce implies the spread. How to read it It is the toll you pay to enter and leave, before any brokerage. Blank when the price is trending rather than bouncing, because then the model does not apply and we would rather say nothing.: —
Float turned over, one year Float turned over, one year How many times the tradable stock changed hands in a year. How it's worked out A year's volume divided by the free float. Exchanges publish this about themselves; this is the same measure for one company. How to read it 100% means the entire float turned over once. Single digits mean a register that never moves, whatever the market cap says.: 78%
Sessions with a trade, one year Sessions with a trade How often it trades at all. How it's worked out The share of the last 250 sessions with any volume. How to read it Anything below 100% means there were days with no market. Below 90% and you should assume you cannot choose your exit day.: 100%

Liquidity is deep: a Rs 1,000,000 order is about 2% of a normal session's turnover.

A Rs 1,000,000 ticket nudges the price — about 1 basis points on the median session, measured the way a trading desk measures it.

What the risk paid

Total return, one year Total return, one year What a holder actually made, dividends included. How it's worked out The price move over twelve months plus every cash dividend paid in that window, counted as received on its ex-date. How to read it Every other PSX site quotes the price move alone. On a market yielding what this one does, that understates what holders made by a third or more. incl. dividends: +33.1%
— from the price: +24.5%
— from dividends — from dividends The part of the year's return that arrived as cash. How it's worked out Dividends per share over the year divided by the price twelve months ago. How to read it The half of the return a price chart cannot show you. For many PSX names it is most of it.: +8.6%
Return per unit of risk Return per unit of risk How much you were paid for how rough the ride was. How it's worked out The one-year return divided by the annualised volatility of the daily moves. How to read it Two stocks up 20% are not the same if one did it calmly and the other halved on the way. Deliberately not a Sharpe ratio: quoting a risk-free rate for Pakistan means picking a T-bill tenor and pretending that was your alternative.: 0.59
Alpha vs KSE-100, one year Alpha vs KSE-100 The part of the year's return the market does not explain. How it's worked out The stock's return minus its beta times the index's return. How to read it A high-beta name rising in a rising market has done nothing clever. This strips that out and leaves what was actually the company's doing.: +21.1 pts
Caught of the market's up moves Caught of the market's up moves How much of the market's good days this stock catches. How it's worked out The stock's total return across the index's up days, divided by the index's own. How to read it Above 100 means it rises more than the market does. Read it with down capture — the pair is the whole picture, either half alone flatters.: 119%
Caught of its down moves Caught of its down moves How much of the market's bad days this stock catches. How it's worked out The stock's total return across the index's down days, divided by the index's own. How to read it Below 100 means it falls less than the market. Above 100 on the downside is the warning a headline return usually hides.: 107%
Worst day in twenty Worst day in twenty The fall you should expect to see on a bad day. How it's worked out The fifth-percentile daily return over the last year — the actual distribution, not a bell curve. How to read it One session in twenty is at least this bad. It is a normal day at the office, not a crash, and the crash is worse than this by definition.: −3.1%
Below its 52-week high Below its 52-week high How far under its best price of the year it sits now. How it's worked out The 52-week high minus today's price, as a percentage of that high. How to read it Different from the biggest drawdown, which is the worst it ever got. This is the hole still to climb out of.: 10.7% · 55 sessions

Dividends were 26% of what a holder made over the year — the part a price chart never shows.

Faysal Bank balance sheet and returns

Return on equity, book value, gearing and margins for Faysal Bank — read out of the company’s own audited annual report, because the exchange publishes no balance sheet. Figures for the year ended 31 Dec 2025.

Book value / share Book value per share The accounting value of one share, in rupees. How it's worked out Total equity divided by shares outstanding — what each share would be worth if the company sold everything at balance-sheet value and paid off every debt. How to read it The floor under a share price, loosely. It ignores brands, people and future profits, so a good business trades well above it and a broken one below.: Rs 77.59
Price to book Price to book What the market charges for each rupee of net assets. How it's worked out Share price divided by book value per share. How to read it Under 1 means the market values the whole company at less than the net assets on its own balance sheet. On PSX that is common and is sometimes a bargain and sometimes a warning — check why.: 1.22×
Debt to equity Debt to equity How much is owed against how much is owned outright. How it's worked out Total liabilities divided by total equity. The broad measure — all liabilities, not only interest-bearing borrowings — because that is what the published tables reliably carry. How to read it Leverage magnifies both directions. High gearing is normal for banks and leasing, alarming for a manufacturer in a high-rate year like Pakistan has had.: 14.09×
Funded by shareholders Funded by shareholders The share of the balance sheet shareholders actually paid for. How it's worked out Total equity as a percentage of total assets — the plain-English complement of leverage. How to read it The higher it is, the less the company depends on lenders staying friendly. At Pakistani interest rates that dependence has been expensive.: 7%

Year ended	Total assets	Equity	Revenue	Profit	ROE
31 Dec 2025	Rs 1777T	Rs 118T	—	—	—
31 Dec 2024	Rs 1567T	Rs 110T	—	—	—
31 Dec 2023	Rs 1371T	Rs 90.9T	—	—	—

Source: Faysal Bank’s annual report, page 368. Every figure above can be checked against it.

Faysal Bank filings and reports

55 documents Faysal Bank has published — annual reports, quarterly accounts and briefing decks. PSX filings are marked PSX; the rest come from the company’s own investor relations page. Links open the original PDF at the source.

Annual reports · 11

and 3 more

Half-yearly accounts · 1

REASON OF REVOCATION OF FINANCIAL RESULTS FOR THE SECOND QUARTER (HALF YEAR) ENDED JUNE 30, 2026 PSX

Quarterly accounts · 43

and 35 more

About Faysal Bank Limited

Faysal Bank Limited was incorporated in Pakistan on October 3, 1994 as a public limited company under the provisions of the Companies Ordinance, 1984 (now companies Act, 2017). The Bank is engaged in Islamic Corporate, Commercial and Consumer banking activities.

Key people

Yousaf Hussain · CEO
Mian Muhammad Younis · Chairperson
Aurangzeb Amin · Company Secretary

Sector: Commercial Banks
Website: www.faysalbank.com
Head office: Faysal Bank Limited Faysal House, St-02, Commercial Lane, Main Shahrah-e-Faisal, Karachi, Pakistan.
Auditor: KPMG Taseer Hadi & Co., Chartered Accountants
Share registrar: CDC Share Registrar Services Limited CDC House, 99-B, Block-B, SMCHS, Main Shahra-e-Faisal, Karachi
Fiscal year end: December

Financials

Annual figures from PSX filings. Money in PKR (converted from thousands); EPS in rupees per share.

FY (December)	2025	2024	2023	2022
Total Income	Rs 99.1B	Rs 97.7B	Rs 83.1B	Rs 48.9B
Mark-up Earned	Rs 166B	Rs 225B	Rs 189B	Rs 105B
Profit after Taxation	Rs 21.7B	Rs 23B	Rs 20B	Rs 11.2B
EPS	Rs 14.30	Rs 15.17	Rs 13.21	Rs 7.40
EPS Growth	−5.7%	+14.8%	+78.5%	+37.8%
Net Profit Margin	13.1%	10.2%	10.6%	10.8%

Dividends & corporate actions

PSX quotes payouts as a % of the Rs 10 face value — 25% = Rs 2.50 per share. Unconfirmed ex-dates are marked “expected”.

FULL DIVIDEND HISTORY →

FABL dividends and corporate actions
Type	% of face	Per share	Ex-date	Book closure	Buy by
Cash dividend	15%	Rs 1.50	19 Aug 2026	20 Aug 2026 – 22 Aug 2026	18 Aug 2026
Cash dividend	15%	Rs 1.50	30 Apr 2026 (expected)	1 May 2026 – 3 May 2026	29 Apr 2026
Cash dividend	20%	Rs 2.00	19 Mar 2026	20 Mar 2026 – 26 Mar 2026	18 Mar 2026
Cash dividend	15%	Rs 1.50	4 Nov 2025	6 Nov 2025 – 8 Nov 2025	3 Nov 2025
Cash dividend	15%	Rs 1.50	6 May 2025	8 May 2025 – 10 May 2025	5 May 2025
Cash dividend	25%	Rs 2.50	17 Mar 2025	19 Mar 2025 – 25 Mar 2025	14 Mar 2025

Analyst consensus

Strong Buy · 2 analysts

Avg target: Rs 127.75(+35%)
Range: Rs 121.50 – 134.00
EPS this FY: —
EPS next FY: —

2 strong buy · as of 23 Sep 2026

Quick answers

What is FABL's dividend yield?

As of 23 Sep 2026, Faysal Bank Limited (FABL) has a trailing dividend yield of 6.86% at a share price of Rs 94.69. Cash dividends declared over the last 12 months total Rs 6.50 per share.

What is FABL's P/E ratio?

FABL trades at a trailing price-to-earnings ratio of 6.6× based on a price of Rs 94.69 as of 23 Sep 2026. Its market capitalisation is about Rs 144B.

Is FABL Shariah compliant?

Yes. Faysal Bank Limited (FABL) is flagged Shariah-compliant in PSX data as of 23 Sep 2026 and is included in the KMI All-Share Islamic index. Screening status can change at each review, so confirm with your Shariah advisor before investing.

Is FABL trending up or down?

Equivest's trend read for FABL is Sideways since 18 Sep 2026: the price series is roughly flat. Below the 50-day average, above the 200-day; Volume 2.5× the 20-day average. The read describes the closes through 23 Sep 2026; it is not a recommendation.

Is FABL cheap?

FABL shows an earnings yield of 15.11%, a payout ratio of 46%, a net margin of 13.1%. Its price-to-earnings multiple is lower than 58% of companies in the same PSX sector with reported earnings. Whether that makes it cheap depends on why the market prices it that way, which no ratio answers. A Rs 1,000,000 order is about 2% of a normal session, judged on the median value traded over the last 60 sessions.

What is the total return on FABL including dividends?

FABL returned +33.1% over the last year counting the cash dividends paid, against a price move of +24.5% — a gap of 8.6 percentage points that a price chart alone hides. Dividends are counted as received on their ex-date, not reinvested. Figures to 23 Sep 2026.

How liquid is FABL?

On Equivest's reading of the last 60 sessions, a Rs 1,000,000 order moves the price about 1 basis points on a median session, the stock traded on 100% of the last year's sessions. Those are estimates from daily closes and volumes, not from the order book, and they describe normal sessions rather than the day you need to sell.

What is FABL's beta?

FABL's one-year beta against the KSE-100 is 1.17 (correlation 0.78), measured on daily closes to 23 Sep 2026. Its annualised volatility is 13% over 30 days and 20% over 90; the worst peak-to-trough fall in the last year was −27.0%.

Related: Commercial Banks

Largest companies in the same PSX sector.

FABL sector peers
Symbol	Company	Price	Chg %	Mkt cap	P/E
UBL	United Bank Limited	432.68	+0.84%	Rs 1.1T	7.3×
MEBL	Meezan Bank Limited	555.51	+0.92%	Rs 1T	10.9×
MCB	MCB Bank Limited	390.60	−1.45%	Rs 463B	8.7×
HBL	Habib Bank Limited	303.30	+0.05%	Rs 445B	6.9×
NBP	National Bank of Pakistan	170.57	−0.30%	Rs 363B	4.8×
SCBPL	Standard Chartered Bank (Pak) Ltd	60.26	+0.27%	Rs 233B	10.8×

Data from PSX via Equivest, delayed and provided for information only — not investment advice. Figures may contain errors; verify with your broker before acting. As of 23 Sep 2026, 15:45 PKT.

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