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

Bank Islami Pakistan Ltd

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

PKR 23.31▼ -0.21 (0.89%)

Research report Historical data

About Bank Islami Pakistan Ltd

Bank Islami Pakistan is an Islamic bank based in Karachi that provides Shariah-compliant banking services to individuals and businesses. Its offerings include deposit accounts, home and vehicle financing, personal loans and business banking, along with trade and treasury services. Customers range from retail savers to small companies and larger corporate clients, and the bank operates through a branch network across Pakistan. All of its products are structured to follow Islamic finance principles, avoiding interest-based lending.

Bank Islami Pakistan Ltd trades under the code BIPL on the Pakistan Stock Exchange (PSX), with its price quoted in Pakistani rupees (PKR). Our dividend records, which start in 2019, show payments in 4 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

Fair price profile

Ranks #220 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.

TrendWeak

43/100

Below its long-term averages and far from its highs.

See the numbers →

Above 200-day average-8.9%

From 52-week high-34.2%

MomentumWeak

44/100

Lagging most stocks on this exchange.

See the numbers →

3-month return-10.9%

6-month return-7.3%

12-month, skipping last month-10.1%

Stability (higher is calmer)Strong

71/100

Calmer than most: low volatility and shallow drawdowns.

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Volatility, 1 year (lower is calmer)34.4%

Worst drawdown, 1 year (smaller is calmer)-36.2%

LiquidityFair

64/100

Moderate trading activity.

See the numbers →

Avg daily value traded11.64M PKR

Zero-volume days0.0%

IncomeFair

62/100

Dividend is typical for this exchange.

See the numbers →

Dividend yield11.8%

Years with dividends4

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

23.26 – 35.90

Price is 0% of the way up

Returns

−10.9% 3m · −15.6% 1y

Price returns, dividends not included

RSI (14)

Oversold zone

Fair value estimate · limited data

PKR 24.82range of models 22.32 – 27.40

Fair +6.5% to fair value

Average of the 3 valuation models that pass our checks. Undervalued or Overvalued means the gap to fair value is more than 17.5%. Model uncertainty is High.

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 22.32

P/S multiple

PKR 27.40

P/E on average earnings

PKR 24.73

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: 5.41, 10.67, 9.96, 4.00. 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 BIPL

Each factor is rated by where BIPL 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: 0 Good · 3 Average · 5 Bad of 8 Growth: 0 · 0 · 2 Valuation: 0 · 0 · 1 Price risk and momentum: 0 · 2 · 1 Liquidity: 0 · 1 · 1

Factor	BIPL	Rating	Group median
Growth
Profit growth, last financial year	−49.3%	Bad beats 3%	−5.8%
EPS growth, 3 years a year	+10.6%	Bad beats 3%	+22.6%
Valuation
P/E ratio (last 12 months)	9.9x	Bad beats 24%	6.2x
Price risk and momentum
Volatility, 1 year	34.4%	Average beats 61%	35.7%
Worst drawdown, 1 year	−36.2%	Average beats 45%	−34.8%
12-month return, skipping the last month	−10.1%	Bad beats 29%	−3.4%
Liquidity
Average daily value traded	PKR 11.6M	Bad beats 18%	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 Historical data & CSV

52-wk range 23.26 – 35.90 Daily closes, split-adjusted

Signals

50-day average25.06

200-day average25.58

Golden/death cross (60d)None

New 52-week highNo

Bullish RSI divergenceNo

Average daily range (ATR)0.48

Technical summary

Daily

Bearish

4 bullish · 0 neutral · 12 bearish

Weekly

Strongly bearish

1 bullish · 1 neutral · 10 bearish

Monthly

Bearish

2 bullish · 1 neutral · 5 bearish

Moving averages (daily)

SMA 10	24.10	Bearish
EMA 10	24.01	Bearish
SMA 20	24.37	Bearish
EMA 20	24.30	Bearish
SMA 50	25.06	Bearish
EMA 50	24.78	Bearish
SMA 100	25.33	Bearish
EMA 100	25.14	Bearish
SMA 200	25.58	Bearish
EMA 200	25.56	Bearish

Oscillators (daily)

RSI (14)	24.95	Bullish
MACD (12, 26)	-0.35	Bearish
Momentum (12)	-5.44	Bearish
Stochastic %K (14)	2.89	Bullish
Williams %R (14)	-97.11	Bullish
CCI (20)	-267.6	Bullish

Pivot points (classic, last session)

22.84

23.05

23.18

Pivot

23.39

23.52

23.73

23.86

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

2.75 PKR

Yield on today's price

11.80%

Frequency

Semi-annual

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 1 Sep 2026. On 1 Sep 2026 10.43% Share price that day 26.37 PKR. Dividends in the 12 months up to that day: 2.75 PKR (1.50 + 1.25). Today, latest close 27 Oct 2026 11.80% Share price 23.31 PKR. Dividends in the last 12 months: 2.75 PKR (1.50 + 1.25). 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 19 Mar 2026. On 19 Mar 2026 11.28% Share price that day 24.38 PKR. Dividends in the 12 months up to that day: 2.75 PKR (1.25 + 1.50). Today, latest close 27 Oct 2026 11.80% Share price 23.31 PKR. Dividends in the last 12 months: 2.75 PKR (1.50 + 1.25). 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 29 Aug 2025. On 29 Aug 2025 12.15% Share price that day 34.99 PKR. Dividends in the 12 months up to that day: 4.25 PKR (1.50 + 1.25 + 1.50). Today, latest close 27 Oct 2026 11.80% Share price 23.31 PKR. Dividends in the last 12 months: 2.75 PKR (1.50 + 1.25). 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 18 Mar 2025. On 18 Mar 2025 13.19% Share price that day 20.85 PKR. Dividends in the 12 months up to that day: 2.75 PKR (1.25 + 1.50). Today, latest close 27 Oct 2026 11.80% Share price 23.31 PKR. Dividends in the last 12 months: 2.75 PKR (1.50 + 1.25). 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 Sep 2024. On 5 Sep 2024 19.54% Share price that day 21.75 PKR. Dividends in the 12 months up to that day: 4.25 PKR (1.50 + 1.00 + 1.75). Today, latest close 27 Oct 2026 11.80% Share price 23.31 PKR. Dividends in the last 12 months: 2.75 PKR (1.50 + 1.25). 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 19 Mar 2024. On 19 Mar 2024 12.74% Share price that day 21.58 PKR. Dividends in the 12 months up to that day: 2.75 PKR (1.00 + 1.75). Today, latest close 27 Oct 2026 11.80% Share price 23.31 PKR. Dividends in the last 12 months: 2.75 PKR (1.50 + 1.25). 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.
	1.7500
This payment: 1.7500 PKR per share, ex-dividend 3 Nov 2023. On 3 Nov 2023 12.71% Share price that day 21.64 PKR. Dividends in the 12 months up to that day: 2.75 PKR (1.75 + 1.00). Today, latest close 27 Oct 2026 11.80% Share price 23.31 PKR. Dividends in the last 12 months: 2.75 PKR (1.50 + 1.25). 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 21 Mar 2023. On 21 Mar 2023 10.00% Share price that day 10.00 PKR. Dividends in the 12 months up to that day: 1.00 PKR. Today, latest close 27 Oct 2026 11.80% Share price 23.31 PKR. Dividends in the last 12 months: 2.75 PKR (1.50 + 1.25). 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.