Apna Microfinance Bank Limited AMBL
Rs 19.77
Vol5,176Updated15:4618 Sep 2026
At a Glance
The headline take on AMBL — valuation, income, returns, and efficiency
Consolidated snapshot
Price & Performance
Closing prices across timeframes, returns, and range context
AMBL — Price History
Daily closing series · toggle period below
Key Metrics
Valuation, profitability, structure, and risk in one grid
Dividend History & Yield
Payout track record, yield trend, and upcoming distribution
No dividend payouts on record for AMBL
PSX has no payout announcements for this company in the recent record. Some companies reinvest earnings rather than distribute them — check the Financials section for retained earnings.
Financials & Earnings
Income, balance sheet, and key ratios from published accounts
AMBL's market capitalisation stands at Rs 8.36B as of 17 Sep 2026 — up 74.9% over the past 12 months (from Rs 4.78B).
Financial Statements
How AMBL's income and balance sheet have evolved
| PKR Millions | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | Trend |
|---|---|---|---|---|---|---|---|
| Net Sales / Revenue | 3,498.19 | 3,096.64 | 2,739.12 | 2,436.55 | 1,070.65 | 3,595.44 | |
| Administrative Expenses | 2,019.35 | 2,199.22 | 2,261.43 | 2,232.26 | 2,167.67 | 2,021.2 | |
| Other Income | 60.66 | 287.82 | 212.07 | 44.39 | 48.11 | 94.72 | |
| Financial Charges | 3,006.45 | 3,994.48 | 2,731.12 | 1,600.19 | 1,459.01 | 1,471.58 | |
| Profit Before Tax | — | -3,099.99 | -3,593.82 | -4,875.98 | -2,643.1 | 23.39 | |
| Taxation | 0 | 0 | 33.51 | 386.62 | 712.12 | 10.65 | |
| Profit After Tax | -1,648.08 | -3,099.99 | -3,593.82 | -4,489.36 | -1,930.97 | 12.74 | |
| EPS - Basic (Rs) | Rs -3.84 | Rs -7.14 | Rs -8.38 | Rs -10.47 | Rs -4.84 | Rs 0.03 |
All figures in PKR millions from published accounts.
Profitability & Returns
Margins, returns on capital, and earnings per share
Latest · FY25
| Ratio | Value |
|---|---|
| Net profit margin | -47.1% |
Net profit margin
Net profit ÷ revenue · %
Financial Health
Coverage, leverage, and the strength of the balance sheet
Latest · FY25
| Ratio | Value |
|---|---|
| Asset turnover | 0.17x |
Asset turnover
Revenue ÷ total assets · times
Market cap trajectory
Close × current shares outstanding · current Rs 8.36B
Valuation & Capital Returns
What the market is paying for AMBL, and what it returns to shareholders
Latest · FY21
| Ratio | Value |
|---|---|
| Price to book | 24.24x |
| Price to sales | 10.02x |
Price to book
Period-end price ÷ book value · times
Technical Analysis
Trading signal, moving averages, momentum, and key levels
10-day SMA (Rs 19.51) is below the 30-day SMA (Rs 20.52). RSI at 42 sits in the neutral band.
Moving AverageThe average close over a set window (10/30/200 days) — smooths daily noise to reveal the trend.Read the full guide →
| Period | Value | vs Current | Position |
|---|---|---|---|
| SMA 10 | Rs 19.51 | -1.32% | Above |
| SMA 30 | Rs 20.52 | +3.77% | Below |
| SMA 60 | Rs 21.87 | +10.62% | Below |
| SMA 200 | Rs 21.09 | +6.66% | Below |
At 42, momentum sits within the neutral band (30–70), suggesting balanced buying and selling pressure.
- MACD-0.62
- Signal-0.74
- Histogram+0.12
Leverage Insights
MTS, margin financing, futures open interest, and combined exposure
No leverage exposure reported
AMBL is not currently financed through MTS or margin financing (MFS), and shows no futures open interest or blank sales on the latest NCCPL/PSX reports.
Settlement Insights
UIN-wise settlement concentration and price context
Metrics and charts over the selected trailing window
Settlement % Trajectory
Solid = UIN settlement % · Dashed = 14-session EMA
As of 17 Sep 2026
Price vs Settlement
Close price (left axis) · UIN settlement % (right axis)
About the Company
Business description, governance, and corporate information
Apna Microfinance Bank Limited was incorporated on May 08, 2003 as a public limited Bank under the repealed Companies Ordinance, 1984 now the "Companies Act, 2017" (the Companies Act). The Bank was granted certificate of commencement of business on December 28, 2004 and started its operations on January 01, 2005. The Bank’s principal business is to provide microfinance services to the poor and underserved segment of the society as envisaged under the Microfinance Institutions Ordinance, 2001.
Corporate Information
- RegistrarF.D. Registrar Services (SMC-Pvt) Limited 17th Floor, Saima Trade Tower-A, I.I. Chundrigar Road Karachi
- AuditorM/s. RSM Avais Hyder Liaquat Nauman, Chartered Accountants
- Websitewww.apnabank.com.pk
- AddressK-4/3 &4/4, Ch. Khaliq uz Zaman Road, Gizri, Karachi, Pakistan.
- SectorInv. Banks / Inv. Cos. / Securities Cos.
- Financial Year EndDecember
Key People
| Name | Role |
|---|---|
NANazish Ali (Acting) | CEO |
MAMuhammad Akram Shahid | Chairperson |
NANoshad Ahmed (Acting) | Company Secretary |
Reports & Filings
- Quarterly Report — 30 Jun 2026PDF
- Quarterly Report — 31 Mar 2026PDF
- Quarterly Report — 30 Sep 2025PDF
- Quarterly Report — 30 Jun 2025PDF
- Quarterly Report — 31 Mar 2025PDF
- Annual Report FY2025PDF
- Quarterly Report — 30 Sep 2024PDF
- Quarterly Report — 30 Jun 2024PDF
Sourced from official PSX financial-report submissions.
Recent Announcements
Latest company filings as reported on PSX
Filings and disclosures from the PSX announcement feed
- 28 Aug 2026Report
- 28 Aug 2026Financial Results
- 21 Aug 2026Board MeetingBoard Meeting
- 28 Jul 2026Insider Trading
- 28 Jul 2026Other
- 24 Jun 2026Others
- 29 Apr 2026Financial Results
- 29 Apr 2026Financial Results
Peers in Inv. Banks / Inv. Cos. / Securities Cos.
How the cohort is moving — same-sector stocks by market cap
AMBL vs Inv. Banks / Inv. Cos. / Securities Cos. sector median
| Metric | AMBL | Sector median |
|---|---|---|
| P/E RatioShare price ÷ earnings per share — the price you pay for each rupee of annual profit. Compare within a sector.Read the full guide → | — | 9.3x |
| Dividend YieldTrailing-12-month cash dividends ÷ share price. A high yield can signal income — or a falling price.Read the full guide → | — | 4.3% |
| Return on EquityNet profit ÷ shareholders' equity — how hard the company works each rupee investors have put in.Read the full guide → | — | 9.1% |
| 1-Year Return | +74.9% | +20.5% |
| Market CapitalisationShare price × total shares — the company's full market value, and the basis for index weightings.Read the full guide → | Rs 8.36B | Rs 2.28B |
Inv. Banks / Inv. Cos. / Securities Cos. · sector heat
Frequently Asked Questions
The most common questions investors ask about AMBL
AMBL is trading at Rs 19.77, up 1.49% on the day, within a 52-week range of Rs 8.85–41.00, from the 15-minute snapshot taken at 15:47 PKT. Prices on this page refresh every 15 minutes during market hours; log in to BSL for live quotes.
Apna Microfinance Bank Limited was incorporated on May 08, 2003 as a public limited Bank under the repealed Companies Ordinance, 1984 now the "Companies Act, 2017" (the Companies Act). See About the Company on this page for the full profile, management, and corporate information.
AMBL has not declared a cash dividend in the recent PSX record — some companies reinvest earnings instead; see the Financials section. For income ideas, browse the highest dividend yield stocks on PSX.
No — AMBL is not currently a KSE-100 constituent. See the full KSE-100 index constituents and weights. AMBL is not currently on the PSX Shariah-compliant list.
A side-by-side comparison with the Inv. Banks / Inv. Cos. / Securities Cos. sector median — valuation, yield, and returns — is in the Peers section, or explore the Inv. Banks / Inv. Cos. / Securities Cos. sector page.
Annual reports for FY2025 are linked under Reports & Filings in the About section of this page, sourced from official PSX submissions.
Open a BSL trading account, fund it, and place your AMBL order on the Pakistan Stock Exchange — account opening takes minutes online, with PSX execution, research, and concierge support included.
Quotes and metrics refresh on a regular cadence through the trading day and after the close. For streaming real-time PSX prices and order placement, log in to your BSL account.
Ready to invest in AMBL?
Open a BSL trading account in under 10 minutes
Buy and sell AMBL and every other PSX-listed stock with low commissions, real-time data, and a concierge research desk backing every trade.