Inv. Banks / Inv. Cos. / Securities Cos.
AMBL Apna Microfinance Bank Limited
Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026
Last close · 16 Oct 2026
Rs 19.50 +5.18%
Financials
Apna Microfinance Bank Limited (AMBL) financials
14 years of annual results (FY2012 – FY2025), 46 quarters.
Apna Microfinance Bank Limited (AMBL) reported revenue of Rs 431.5 mn for FY2025 (Jan – Dec 2025).
It made a loss of Rs 1.6 bn attributable to shareholders (EPS Rs -3.84).
No cash dividend was declared for FY2025.
Over the last five years revenue grew at a compound -26.6% a year.
Fundamentals
AMBL at a glance
Revenue · FY2025
Rs 431.5 mn
Profit attributable to shareholders · FY2025
-Rs 1.6 bn
EPS – basic (Rs) · FY2025
Rs -3.84
Dividend per share (Rs) · FY2025
Rs 0.00
Total assets · FY2025
Rs 20.7 bn
▲ 18.8% year on year
Financial statements
Income statement
Revenue, costs, profit and earnings per share.
- Revenue · FY2025
- Rs 431.5 mn
- Profit attributable · FY2025
- -Rs 1.6 bn
Balance sheet
Assets, liabilities, debt and shareholders' equity.
- Total assets · FY2025
- Rs 20.7 bn
- Equity · FY2025
- -Rs 10.5 bn
Financial highlights
AMBL financial results
| Rs bn | FY2025 Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 * Jan – Dec 2021 | FY2020 * Jan – Dec 2020 | FY2019 Jan – Dec 2019 | FY2018 Jan – Dec 2018 | FY2017 Jan – Dec 2017 | FY2016 Jan – Dec 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 0.4 | (1.0) | (0.1) | 0.8 | (0.4) | 2.0 | 1.8 | 1.5 | 0.9 | 0.8 |
| Profit before tax | (1.6) | (3.1) | (3.6) | (4.9) | (2.6) | 0.0 | 0.1 | 0.1 | (0.2) | (1.1) |
| Profit attributable to shareholders | (1.6) | (3.1) | (3.6) | (4.5) | (1.9) | 0.0 | 0.1 | 0.1 | (0.1) | (0.7) |
| EPS – basic (Rs) Rs | (3.84) | (7.23) | (8.38) | (10.47) | (4.84) | 0.03 | 0.15 | 0.19 | (0.31) | (2.90) |
| Dividend per share (Rs) Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total assets | 20.7 | 17.4 | 17.0 | 19.6 | 23.8 | 29.6 | 21.3 | 17.6 | 14.0 | 13.6 |
| Borrowings | 0.6 | 0.7 | 0.5 | 0.5 | 0.8 | 0.8 | 0.8 | 0.0 | 0.2 | 0.2 |
| Total equity | (10.5) | (9.4) | (6.6) | (4.0) | 0.4 | 2.2 | 1.9 | 1.5 | 1.0 | 0.7 |
| Rs bn | TTM to Jun 2026 | Q2 FY2026 Apr – Jun 2026 | Q1 FY2026 Jan – Mar 2026 | Q4 FY2025 Oct – Dec 2025 | Q3 FY2025 Jul – Sep 2025 | Q2 FY2025 Apr – Jun 2025 | Q1 FY2025 Jan – Mar 2025 | Q4 FY2024 Oct – Dec 2024 | Q3 FY2024 Jul – Sep 2024 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 0.6 | 0.2 | 0.2 | 0.2 | 0.1 | 0.1 | 0.0 | (0.4) | (0.2) |
| Profit before tax | (1.6) | (0.4) | (0.4) | (0.3) | (0.5) | (0.4) | (0.5) | (0.8) | (0.7) |
| Profit attributable to shareholders | (1.6) | (0.4) | (0.4) | (0.3) | (0.5) | (0.4) | (0.5) | (0.8) | (0.7) |
| EPS – basic (Rs) Rs | (3.63) | (0.98) | (0.87) | (0.71) | (1.07) | (0.92) | (1.12) | (1.90) | (1.74) |
| Dividend per share (Rs) Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total assets | 20.7 | 20.7 | 20.2 | 20.7 | 19.3 | 18.8 | 16.1 | 17.4 | 17.3 |
| Borrowings | 0.8 | 0.8 | 0.8 | 0.6 | 0.6 | 0.7 | 0.6 | 0.7 | 0.3 |
| Total equity | (11.3) | (11.3) | (10.9) | (10.5) | (10.2) | (9.8) | (9.4) | (9.4) | (8.6) |
Figures in Pakistani rupees as reported by the company; costs and cash outflows in brackets. Free cash flow and book value per share are calculated by Smart Money; TTM = the latest four quarters. Updated 16 Oct 2026.