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JS Bank Ltd

KAR:JSBLFinancePSX:ALLSHR

Rs 12.20+0.58%LiveIn session · ≈ AED 0.1619 · Market cap $92.04M

Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	YoY
Operating margin	5.3%	4.5%	2.8%	10.7%	12.8%	11.1%	−1.7 pts
Net margin	2.2%	2.6%	1.4%	6.5%	4.3%	3.4%	−0.9 pts
Return on equity	5.0%	5.1%	4.7%	18.8%	16.0%	8.5%	−7.5 pts
Return on assets	0.2%	0.2%	0.2%	0.8%	0.8%	0.4%	−0.3 pts
Return on capital employed	0.9%	0.6%	0.6%	2.5%	5.5%	3.4%	−2.1 pts
Debt / equity	3.6×	4.7×	5.6×	2.5×	2.4×	1.9×	−21.8%
Debt / assets	14.9%	18.8%	20.6%	10.3%	11.3%	9.1%	−2.3 pts
Interest coverage	0.9×	0.8×	0.1×	0.8×	1.1×	1.1×	+1.7%
Current ratio	0.3×	0.2×	0.2×	0.2×	0.2×	0.2×	+11.1%
Quick ratio	0.3×	0.2×	0.2×	0.2×	0.2×	0.2×	+11.1%
Asset turnover	0.1×	0.1×	0.1×	0.1×	0.2×	0.1×	−31.6%
Dividend payout	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	—