Pakistan Stock Exchange (PSX) · Pakistan · Updated after 27 Oct 2026 close

Bank Alfalah Ltd

BAFL · Pakistan Stock Exchange (PSX) · prices in PKR

PKR 56.43▲ +0.72 (1.29%)

Research report

About Bank Alfalah Ltd

Bank Alfalah is a commercial bank based in Karachi, Pakistan. It provides consumer banking, corporate and institutional banking, Islamic banking and treasury services to individuals, businesses and institutions across the country. Its offerings include deposit accounts, loans, credit cards, trade finance and remittance services, delivered through branches and digital channels. The bank serves retail customers as well as small and large companies, and it operates under the regulation of the State Bank of Pakistan.

The shares are listed on the Pakistan Stock Exchange (PSX) under the code BAFL, and the price on this page is in Pakistani rupees (PKR). Our dividend records, which start in 2019, show payments in 8 different calendar years. The Market X-Ray on this page is price-based and compares it with other stocks on the same exchange; it does not measure how healthy the business is.

Market X-Ray · price-based

Strong price profile

Ranks #33 of 542 on the Pakistan Stock Exchange (PSX) · confidence High

What this score is, and is not

It describes how this stock has traded: trend, momentum, risk, liquidity and dividends, each ranked against the other stocks on its own exchange. It does not measure how healthy or cheap the business is. That fundamental X-Ray needs financial statements, which we do not have for Pakistan yet.

TrendFair

67/100

Mixed trend against its averages.

See the numbers →

Above 200-day average-0.6%

From 52-week high-16.8%

MomentumFair

66/100

Typical recent returns for this exchange.

See the numbers →

3-month return0.6%

6-month return-2.2%

12-month, skipping last month15.5%

Stability (higher is calmer)Strong

86/100

Calmer than most: low volatility and shallow drawdowns.

See the numbers →

Volatility, 1 year (lower is calmer)33.2%

Worst drawdown, 1 year (smaller is calmer)-20.6%

LiquidityStrong

89/100

Trades actively.

See the numbers →

Avg daily value traded129.06M PKR

Zero-volume days0.0%

IncomeStrong

75/100

Dividend is high and has been paid regularly.

See the numbers →

Dividend yield10.2%

Years with dividends5

Price-based X-Ray. The fundamental X-Ray (financial health, valuation, growth, fair value) is available for US stocks today. It will follow for Pakistan when fundamentals data for this market is added. All Pakistan stocks.

Price trend

Below its 200-day average

Versus its 50- and 200-day averages

52-week range

50.65 – 68.50

Price is 32% of the way up

Returns

+0.6% 3m · +14.2% 1y

Price returns, dividends not included

RSI (14)

Neutral zone

Fair value estimate · limited data

Data under review

Too few of our models give a usable value for this company, so we show no number rather than a misleading one.

PSX income statement only (no balance sheet or cash flow): only earnings and sales models can be built. Their weights were fitted to a professional consensus-style valuation of Pakistani stocks and checked on stocks that were not used for the fit, but they use no analyst forecasts. Treat this as a rough estimate.

P/E multiple

PKR 61.480

P/S multiple

PKR 58.960

Each model multiplies the company's trailing-twelve-month earnings (or sales) by a multiple that blends its own current multiple, its own history and its sector median. Earnings per share by fiscal year, newest first: . Source: statements and price from the Pakistan Stock Exchange portal and end-of-day data. A model estimate, not a price target or advice. How it works.

Factor ratings for BAFL

Each factor is rated by where BAFL stands among the 19 stocks of its PSX sector (Commercial Banks; all PSX stocks when the sector is too small for a fair comparison).

Rating against the group

Goodthe top third of these stocks

Averagethe middle third of these stocks

Badthe bottom third of these stocks

"Beats" is the share of those stocks it is ahead of.

For valuation factors Good means cheaper than most of the group, which is not the same as a bargain.

In total: 4 Good · 2 Average · 1 Bad of 7 Growth: 0 · 0 · 1 Valuation: 1 · 0 · 0 Price risk and momentum: 3 · 0 · 0 Liquidity: 0 · 2 · 0

Factor	BAFL	Rating	Group median
Growth
Profit growth, last financial year	−26.0%	Bad beats 14%	−5.8%
Valuation
P/E ratio (last 12 months)	2.8x	Good beats 97%	6.2x
Price risk and momentum
Volatility, 1 year	33.2%	Good beats 71%	35.7%
Worst drawdown, 1 year	−20.6%	Good beats 87%	−34.8%
12-month return, skipping the last month	+15.5%	Good beats 82%	−3.4%
Liquidity
Average daily value traded	PKR 129.1M	Average beats 61%	PKR 44.7M
Days with no trading	0.0%	Average beats 50%	0.0%

Built from the income-statement summary the Pakistan Stock Exchange publishes (sales, profit and EPS for up to four financial years, trailing P/E, market value) and our own end-of-day prices. The PSX portal has no balance sheet or cash flow, so there are no debt, cash-flow or book-value factors. A factor is left out when its data is missing or meaningless (for example a P/E on a loss). These ratings compare companies with each other and describe the past; they are not a forecast, a recommendation or part of the Market X-Ray.

Price chart

Interactive chart

52-wk range 50.65 – 68.50 Daily closes, split-adjusted

Signals

50-day average56.37

200-day average56.75

Golden/death cross (60d)Death, 5 days ago

New 52-week highNo

Bullish RSI divergenceNo

Average daily range (ATR)0.93

Technical summary

Daily

Bullish

9 bullish · 4 neutral · 3 bearish

Weekly

Bullish

7 bullish · 1 neutral · 4 bearish

Monthly

Strongly bullish

6 bullish · 1 neutral · 1 bearish

Moving averages (daily)

SMA 10	55.72	Bullish
EMA 10	55.80	Bullish
SMA 20	55.97	Bullish
EMA 20	55.93	Bullish
SMA 50	56.37	Bullish
EMA 50	56.27	Bullish
SMA 100	56.82	Bearish
EMA 100	56.37	Bullish
SMA 200	56.75	Bearish
EMA 200	54.97	Bullish

Oscillators (daily)

RSI (14)	53.86	Neutral
MACD (12, 26)	-0.19	Bearish
Momentum (12)	0.23	Bullish
Stochastic %K (14)	73.95	Neutral
Williams %R (14)	-26.05	Neutral
CCI (20)	41.91	Neutral

Pivot points (classic, last session)

54.76

55.24

55.83

Pivot

56.31

56.90

57.38

57.97

Signals describe what the chart is doing, not what to do. Moving averages: price above the average is bullish. Oscillators use the usual thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20; MACD and momentum above zero are bullish). Weekly and monthly views use closing prices only.

Dividends

Paid, last 12 months

4.50 PKR

Yield on today's price

7.97%

Frequency

Quarterly

Next ex-dividend date

Not announced

Tap a dividend date to compare the dividend yield on that day with today's.

Ex-dividend date	Amount per share
	1.5000
This payment: 1.5000 PKR per share, ex-dividend 12 Aug 2026. On 12 Aug 2026 9.89% Share price that day 58.16 PKR. Dividends in the 12 months up to that day: 5.75 PKR (1.50 + 1.50 + 1.50 + 1.25). Today, latest close 27 Oct 2026 7.97% Share price 56.43 PKR. Dividends in the last 12 months: 4.50 PKR (1.50 + 1.50 + 1.50). Dividend yield = dividends paid in the 12 months up to that day divided by the share price that day, before tax. Past dividends are not a promise of future ones.
	1.5000
This payment: 1.5000 PKR per share, ex-dividend 5 May 2026. On 5 May 2026 9.44% Share price that day 58.26 PKR. Dividends in the 12 months up to that day: 5.50 PKR (1.50 + 1.50 + 1.25 + 1.25). Today, latest close 27 Oct 2026 7.97% Share price 56.43 PKR. Dividends in the last 12 months: 4.50 PKR (1.50 + 1.50 + 1.50). Dividend yield = dividends paid in the 12 months up to that day divided by the share price that day, before tax. Past dividends are not a promise of future ones.
	1.5000
This payment: 1.5000 PKR per share, ex-dividend 16 Mar 2026. On 16 Mar 2026 4.94% Share price that day 106.37 PKR. Dividends in the 12 months up to that day: 5.25 PKR (1.50 + 1.25 + 1.25 + 1.25). Today, latest close 27 Oct 2026 7.97% Share price 56.43 PKR. Dividends in the last 12 months: 4.50 PKR (1.50 + 1.50 + 1.50). Dividend yield = dividends paid in the 12 months up to that day divided by the share price that day, before tax. Past dividends are not a promise of future ones.
	1.2500
This payment: 1.2500 PKR per share, ex-dividend 3 Nov 2025. On 3 Nov 2025 4.63% Share price that day 108.09 PKR. Dividends in the 12 months up to that day: 5.00 PKR (1.25 + 1.25 + 1.25 + 1.25). Today, latest close 27 Oct 2026 7.97% Share price 56.43 PKR. Dividends in the last 12 months: 4.50 PKR (1.50 + 1.50 + 1.50). Dividend yield = dividends paid in the 12 months up to that day divided by the share price that day, before tax. Past dividends are not a promise of future ones.
	1.2500
This payment: 1.2500 PKR per share, ex-dividend 8 Aug 2025. On 8 Aug 2025 5.36% Share price that day 88.56 PKR. Dividends in the 12 months up to that day: 4.75 PKR (1.25 + 1.25 + 1.25 + 1.00). Today, latest close 27 Oct 2026 7.97% Share price 56.43 PKR. Dividends in the last 12 months: 4.50 PKR (1.50 + 1.50 + 1.50). Dividend yield = dividends paid in the 12 months up to that day divided by the share price that day, before tax. Past dividends are not a promise of future ones.
	1.2500
This payment: 1.2500 PKR per share, ex-dividend 28 Apr 2025. On 28 Apr 2025 6.32% Share price that day 71.17 PKR. Dividends in the 12 months up to that day: 4.50 PKR (1.25 + 1.25 + 1.00 + 1.00). Today, latest close 27 Oct 2026 7.97% Share price 56.43 PKR. Dividends in the last 12 months: 4.50 PKR (1.50 + 1.50 + 1.50). Dividend yield = dividends paid in the 12 months up to that day divided by the share price that day, before tax. Past dividends are not a promise of future ones.
	1.2500
This payment: 1.2500 PKR per share, ex-dividend 10 Mar 2025. On 10 Mar 2025 5.59% Share price that day 76.02 PKR. Dividends in the 12 months up to that day: 4.25 PKR (1.25 + 1.00 + 1.00 + 1.00). Today, latest close 27 Oct 2026 7.97% Share price 56.43 PKR. Dividends in the last 12 months: 4.50 PKR (1.50 + 1.50 + 1.50). Dividend yield = dividends paid in the 12 months up to that day divided by the share price that day, before tax. Past dividends are not a promise of future ones.
	1.0000
This payment: 1.0000 PKR per share, ex-dividend 29 Oct 2024. On 29 Oct 2024 8.20% Share price that day 67.04 PKR. Dividends in the 12 months up to that day: 5.50 PKR (1.00 + 1.00 + 1.00 + 2.50). Today, latest close 27 Oct 2026 7.97% Share price 56.43 PKR. Dividends in the last 12 months: 4.50 PKR (1.50 + 1.50 + 1.50). Dividend yield = dividends paid in the 12 months up to that day divided by the share price that day, before tax. Past dividends are not a promise of future ones.
	1.0000
This payment: 1.0000 PKR per share, ex-dividend 9 Aug 2024. On 9 Aug 2024 9.94% Share price that day 60.39 PKR. Dividends in the 12 months up to that day: 6.00 PKR (1.00 + 1.00 + 2.50 + 1.50). Today, latest close 27 Oct 2026 7.97% Share price 56.43 PKR. Dividends in the last 12 months: 4.50 PKR (1.50 + 1.50 + 1.50). Dividend yield = dividends paid in the 12 months up to that day divided by the share price that day, before tax. Past dividends are not a promise of future ones.
	1.0000
This payment: 1.0000 PKR per share, ex-dividend 3 May 2024. On 3 May 2024 8.46% Share price that day 59.09 PKR. Dividends in the 12 months up to that day: 5.00 PKR (1.00 + 2.50 + 1.50). Today, latest close 27 Oct 2026 7.97% Share price 56.43 PKR. Dividends in the last 12 months: 4.50 PKR (1.50 + 1.50 + 1.50). Dividend yield = dividends paid in the 12 months up to that day divided by the share price that day, before tax. Past dividends are not a promise of future ones.
	2.5000
This payment: 2.5000 PKR per share, ex-dividend 13 Mar 2024. On 13 Mar 2024 7.67% Share price that day 52.12 PKR. Dividends in the 12 months up to that day: 4.00 PKR (2.50 + 1.50). Today, latest close 27 Oct 2026 7.97% Share price 56.43 PKR. Dividends in the last 12 months: 4.50 PKR (1.50 + 1.50 + 1.50). Dividend yield = dividends paid in the 12 months up to that day divided by the share price that day, before tax. Past dividends are not a promise of future ones.
	1.5000
This payment: 1.5000 PKR per share, ex-dividend 21 Aug 2023. On 21 Aug 2023 6.87% Share price that day 40.05 PKR. Dividends in the 12 months up to that day: 2.75 PKR (1.50 + 1.25). Today, latest close 27 Oct 2026 7.97% Share price 56.43 PKR. Dividends in the last 12 months: 4.50 PKR (1.50 + 1.50 + 1.50). Dividend yield = dividends paid in the 12 months up to that day divided by the share price that day, before tax. Past dividends are not a promise of future ones.

Ex-dividend dates and amounts from our market-data provider. Shown as declared, before tax. For Pakistani companies a future date appears only once our data provider lists it as declared; the exchange's own list of book closures is on dps.psx.com.pk/payouts.

Prices are end-of-day closes in PKR. Educational only, not financial advice.