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%
Quarterly · Q3 FY2021 – Q2 FY2026
Apna Microfinance Bank Limited (AMBL) quarterly income statement
Apna Microfinance Bank Limited reported revenue of Rs 154.5 mn for Q2 FY2026 (Apr – Jun 2026), up 26.7% on Q2 FY2025. Finance cost was Rs 890.8 mn, up 22.7% on Q2 FY2025. The loss attributable to shareholders was Rs 420.4 mn, or Rs -0.98 per share.
| Rs mn | 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 | 607.2 | 154.5 | 154.8 | 215.2 | 82.7 | 121.9 | 11.6 | (418.7) | (153.4) | ||||||||||||
| Operating expenses | (2,163.2) | (574.5) | (531.3) | (518.1) | (539.2) | (518.7) | (508.1) | (394.7) | (592.7) | ||||||||||||
| Finance cost | (3,266.2) | (890.8) | (825.0) | (793.3) | (757.1) | (725.9) | (730.1) | (1,012.9) | (1,006.8) | ||||||||||||
| Profit before tax | (1,555.5) | (420.4) | (374.5) | (302.5) | (458.0) | (395.8) | (491.8) | (813.4) | (746.1) | ||||||||||||
| Taxation | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | ||||||||||||
| Profit after tax | (1,555.5) | (420.4) | (374.5) | (302.5) | (458.0) | (395.8) | (491.8) | (813.4) | (746.1) | ||||||||||||
| Profit attributable to shareholders | (1,555.5) | (420.4) | (374.5) | (302.5) | (458.0) | (395.8) | (491.8) | (813.4) | (746.1) | ||||||||||||
| Per share | |||||||||||||||||||||
| 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 | ||||||||||||
| Rs mn | 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 | +26.7% | +1,233.7% | — | — | — | — | — | — | ||||||||||||
| Operating expenses | +10.7% | +4.6% | +31.3% | -9.0% | -7.4% | -11.0% | -39.8% | +2.0% | ||||||||||||
| Finance cost | +22.7% | +13.0% | -21.7% | -24.8% | -29.2% | -23.1% | +20.0% | +31.9% | ||||||||||||
| Profit before tax | — | — | — | — | — | — | — | — | ||||||||||||
| Taxation | — | — | — | — | -100.0% | -100.0% | -100.0% | -100.0% | ||||||||||||
| Profit after tax | — | — | — | — | — | — | — | — | ||||||||||||
| Profit attributable to shareholders | — | — | — | — | — | — | — | — | ||||||||||||
| Per share | ||||||||||||||||||||
| EPS – basic (Rs) | — | — | — | — | — | — | — | — | ||||||||||||
| Dividend per share (Rs) | — | — | — | — | — | — | — | — | ||||||||||||
Change against the same quarter a year earlier; shown when the earlier figure is positive.
| Rs mn | 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 | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | — | — |
| Operating expenses | (371.9%) | (343.2%) | (240.7%) | (651.8%) | (425.5%) | (4,377.0%) | — | — |
| Finance cost | (576.7%) | (532.9%) | (368.6%) | (915.1%) | (595.5%) | (6,290.0%) | — | — |
| Profit before tax | (272.2%) | (241.9%) | (140.6%) | (553.6%) | (324.7%) | (4,236.9%) | — | — |
| Taxation | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | — | — |
| Profit after tax | (272.2%) | (241.9%) | (140.6%) | (553.6%) | (324.7%) | (4,236.9%) | — | — |
| Profit attributable to shareholders | (272.2%) | (241.9%) | (140.6%) | (553.6%) | (324.7%) | (4,236.9%) | — | — |
Each line as a percentage of revenue.
Figures in Pakistani rupees as reported by the company; costs and cash outflows in brackets; "—" = not reported. TTM = the latest four quarters added together. Updated 16 Oct 2026.
All reported line items 103
| Rs mn | 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 |
|---|---|---|---|---|---|---|---|---|
| Interest & Dividend Income/(Expense) - Net - Finance | 98.9 | 91.7 | 140.9 | 20.2 | 38.4 | (53.7) | (486.2) | (212.7) |
| Interest & Dividend Income - Finance - Total | 989.7 | 916.7 | 934.2 | 777.3 | 764.3 | 676.4 | 526.7 | 794.1 |
| Interest Income - Loans/Deposits | 989.7 | 916.7 | 934.2 | 777.3 | 764.3 | 676.4 | 526.7 | 794.1 |
| Interest & Dividend Income - Other - Finance | — | — | — | — | — | — | — | 0.0 |
| Net Commission & Fees Income/Expense - Business Revenue | 55.5 | 63.1 | 74.3 | 62.5 | 83.5 | 65.3 | 67.5 | 59.3 |
| Fees & Commissions Income | 55.5 | 63.1 | 74.3 | 62.5 | 83.5 | 65.3 | 67.5 | 59.3 |
| Interest Expense - Finance - Total | 890.8 | 825.0 | 793.3 | 757.1 | 725.9 | 730.1 | 1,012.9 | 1,006.8 |
| Interest Expense - Operational Financing - Business | (510.5) | 805.7 | 777.5 | 740.6 | 708.5 | 712.1 | 1,012.9 | 1,006.8 |
| Interest Expense - External Financing Business | 1,401.3 | 19.3 | 15.7 | 16.5 | 17.4 | 18.0 | — | — |
| Non-Interest Business Revenue/(Expense) - Net - Total | 55.5 | 63.1 | 74.3 | 62.5 | 83.5 | 65.3 | 67.5 | 59.3 |
| Revenue from Business-Related Activities - Other - Total | — | — | — | — | — | — | — | — |
| Revenue from Business Activities - Total | 154.5 | 154.8 | 215.2 | 82.7 | 121.9 | 11.6 | (418.7) | (153.4) |
| Selling, General & Administrative Expenses - Total | 542.3 | 518.9 | 2,019.3 | — | — | 493.5 | 539.2 | 569.2 |
| Selling, General & Administrative Expenses - Unclassified | 483.0 | 458.6 | — | — | — | 436.7 | — | — |
| Depreciation in Selling, General & Administrative Expenses | 56.7 | 57.7 | — | — | — | 54.6 | — | — |
| Amortization of Intangibles in Selling, General & Administrative Expenses | 2.5 | 2.5 | — | — | — | 2.3 | — | — |
| Other Operating Expense/(Income) - Net | (0.6) | (4.3) | (1,521.5) | 516.0 | 501.4 | (2.5) | (6.8) | 1.3 |
| Other Operating Income - Total | 13.8 | 16.6 | 1,534.1 | 13.3 | 17.2 | 12.1 | 14.6 | 9.4 |
| Operating Expenses - Total | 574.5 | 531.3 | 518.1 | 539.2 | 518.7 | 508.1 | 394.7 | 592.7 |
| Provision & Impairment for Loan Losses | 32.8 | 16.8 | 20.3 | 23.2 | 17.3 | 17.0 | (137.7) | 22.3 |
| Operating Profit before Non-Recurring Income/(Expense) | (420.0) | (376.5) | (302.9) | (456.5) | (396.8) | (496.4) | (813.4) | (746.1) |
| Other Operating Expense | 13.2 | 12.3 | 12.6 | 529.3 | 518.6 | 9.7 | 7.8 | 10.7 |
| Operating Provisions - Increase/(Decrease) | — | — | — | — | — | — | — | 0.0 |
| Sale of Tangible & Intangible Fixed Assets - Gain/Loss | (0.0) | — | 0.4 | (0.6) | 1.1 | 4.7 | — | — |
| Other Non-Operating Income/(Expense) - Total | — | — | — | — | — | — | — | — |
| Normalized Pre-tax Profit | (420.0) | (376.5) | (302.5) | (457.1) | (395.8) | (491.8) | (813.4) | (746.1) |
| Non-Recurring Income/Expense - Total | (0.4) | 2.1 | — | (0.9) | — | — | — | — |
| Early Extinguishment of Lease Related Debts - Gain/(Loss) | (0.4) | 2.1 | — | (0.9) | — | — | — | — |
| Provision for Income Tax Expense- Unclassified | 0.0 | 0.0 | — | 0.0 | 0.0 | 0.0 | — | — |
| Income before Taxes | (420.4) | (374.5) | (302.5) | (458.0) | (395.8) | (491.8) | (813.4) | (746.1) |
| Income Taxes | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Income Taxes for the Year - Current | — | — | — | — | — | — | 0.0 | 0.0 |
| Income Taxes - Deferred | — | — | — | — | — | — | 0.0 | 0.0 |
| Income Taxes - Other (by Type) | — | — | — | — | — | — | — | 0.0 |
| Net Income after Tax | (420.4) | (374.5) | (302.5) | (458.0) | (395.8) | (491.8) | (813.4) | (746.1) |
| Income before Discontinued Operations & Extraordinary Items | (420.4) | (374.5) | (302.5) | (458.0) | (395.8) | (491.8) | (813.4) | (746.1) |
| Net Income before Minority Interest | (420.4) | (374.5) | (302.5) | (458.0) | (395.8) | (491.8) | (813.4) | (746.1) |
| Net Income after Minority Interest | (420.4) | (374.5) | (302.5) | (458.0) | (395.8) | (491.8) | (813.4) | (746.1) |
| Income Available to Common Shares | (420.4) | (374.5) | (302.5) | (458.0) | (395.8) | (491.8) | (813.4) | (746.1) |
| DPS - Common - Gross - Issue - By Period End Date Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income - Basic - including Extraordinary Items Applicable to Common - Total | (420.4) | (374.5) | (302.5) | (458.0) | (395.8) | (491.8) | (813.4) | (746.1) |
| Income available to Common excluding Extraordinary Items | (420.4) | (374.5) | (302.5) | (458.0) | (395.8) | (491.8) | (813.4) | (746.1) |
| Shares used to calculate Basic EPS - Total mn | 429.0 | 429.0 | 429.0 | 429.0 | 429.0 | 439.1 | 428.9 | 429.0 |
| EPS - Basic - including Extraordinary Items Applicable to Common - Total Rs | (0.98) | (0.87) | (0.71) | (1.07) | (0.92) | (1.12) | (1.90) | (1.74) |
| EPS - Basic - excluding Extraordinary Items Applicable to Common - Total Rs | (0.98) | (0.87) | (0.71) | (1.07) | (0.92) | (1.12) | (1.90) | (1.74) |
| EPS - Basic - excluding Extraordinary Items - Normalized - Total Rs | (0.98) | (0.88) | (0.71) | (1.07) | (0.92) | (1.12) | (1.90) | (1.74) |
| Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific | (420.4) | (374.5) | (302.5) | (458.0) | (395.8) | (491.8) | (813.4) | (746.1) |
| Earnings Allocation Factor - Basic - Issue Specific | 1.00× | 1.00× | 1.00× | 1.00× | 1.00× | 1.00× | 1.00× | 1.00× |
| Shares used to calculate Basic EPS - Issue Specific mn | 429.0 | 429.0 | 429.0 | 429.0 | 429.0 | 439.1 | 428.9 | 429.0 |
| EPS - Basic - including Extraordinary Items Applicable to Common - Issue Specific Rs | (0.98) | (0.87) | (0.71) | (1.07) | (0.92) | (1.12) | (1.90) | (1.74) |
| EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific Rs | (0.98) | (0.87) | (0.71) | (1.07) | (0.92) | (1.12) | (1.90) | (1.74) |
| EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific Rs | (0.98) | (0.88) | (0.71) | (1.07) | (0.92) | (1.12) | (1.90) | (1.74) |
| EPS - Basic from Discontinued Operations & Extraordinary Items Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income - Diluted - including Extraordinary Items Applicable to Common - Total | (420.4) | (374.5) | (302.5) | (458.0) | (395.8) | (491.8) | (813.4) | (746.1) |
| Diluted Income available to Common excluding Extraordinary Items | (420.4) | (374.5) | (302.5) | (458.0) | (395.8) | (491.8) | (813.4) | (746.1) |
| Shares used to calculate Diluted EPS - Total mn | 429.0 | 429.0 | 429.0 | 429.0 | 429.0 | 439.1 | 428.9 | 429.0 |
| EPS - Diluted - including Extraordinary Items Applicable to Common - Total Rs | (0.98) | (0.87) | (0.71) | (1.07) | (0.92) | (1.12) | (1.90) | (1.74) |
| EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total Rs | (0.98) | (0.87) | (0.71) | (1.07) | (0.92) | (1.12) | (1.90) | (1.74) |
| EPS - Diluted - excluding Extraordinary Items - Normalized - Total Rs | (0.98) | (0.88) | (0.71) | (1.07) | (0.92) | (1.12) | (1.90) | (1.74) |
| Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue Specific | (420.4) | (374.5) | (302.5) | (458.0) | (395.8) | (491.8) | (813.4) | (746.1) |
| Earnings Allocation Factor - Diluted - Issue Specific | 1.00× | 1.00× | 1.00× | 1.00× | 1.00× | 1.00× | 1.00× | 1.00× |
| Shares used to calculate Diluted EPS - Issue Specific mn | 429.0 | 429.0 | 429.0 | 429.0 | 429.0 | 439.1 | 428.9 | 429.0 |
| EPS - Diluted - including Extraordinary Items Applicable to Common - Issue Specific Rs | (0.98) | (0.87) | (0.71) | (1.07) | (0.92) | (1.12) | (1.90) | (1.74) |
| EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific Rs | (0.98) | (0.87) | (0.71) | (1.07) | (0.92) | (1.12) | (1.90) | (1.74) |
| EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific Rs | (0.98) | (0.88) | (0.71) | (1.07) | (0.92) | (1.12) | (1.90) | (1.74) |
| EPS - Diluted from Discontinued Operations & Extraordinary Items Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| DPS - Common - Gross - Issue - By Announcement Date Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| DPS - Common - Net - Issue - By Announcement Date Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Earnings before Interest & Taxes (EBIT) | (420.0) | (376.5) | (302.9) | (456.5) | (396.8) | (496.4) | (813.4) | (746.1) |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) | (360.8) | (316.3) | (245.7) | (401.0) | (342.6) | (439.6) | (728.8) | (723.3) |
| Depreciation & Amortization - Supplemental | 59.2 | 60.3 | — | 55.5 | 54.2 | 56.8 | — | — |
| Depreciation Expense - Total - Supplemental | 56.7 | 57.7 | — | 52.9 | 51.5 | 54.6 | — | — |
| Depreciation - Financial Lease Right-of-Use Assets - Supplemental | 42.6 | 43.0 | — | 36.2 | 36.0 | 34.7 | — | — |
| Amortization - Total - Supplemental | 2.5 | 2.5 | — | 2.5 | 2.8 | 2.3 | — | — |
| Intangible Amortization - Other - Supplemental | — | — | — | 2.5 | 2.8 | — | — | — |
| Depreciation, Depletion & Amortization - Total | 59.2 | 60.3 | 57.3 | 55.5 | 54.2 | 56.8 | 84.5 | 22.8 |
| Depreciation - Total | 56.7 | 57.7 | 54.7 | 52.9 | 51.5 | 54.6 | 82.3 | 20.5 |
| Amortization of Intangible Assets excluding Goodwill - Total | 2.5 | 2.5 | 2.5 | 2.5 | 2.8 | 2.3 | 2.3 | 2.3 |
| Normalized after Tax Profit | (420.0) | (376.5) | (302.5) | (457.1) | (395.8) | (491.8) | (813.4) | (746.1) |
| Normalized Net Income from Continuing Operations | (420.0) | (376.5) | (302.5) | (457.1) | (395.8) | (491.8) | (813.4) | (746.1) |
| Normalized Net Income - Bottom Line | (420.0) | (376.5) | (302.5) | (457.1) | (395.8) | (491.8) | (813.4) | (746.1) |
| Earnings before Interest & Taxes (EBIT) - Normalized | (420.0) | (376.5) | (302.5) | (457.1) | (395.8) | (491.8) | (813.4) | (746.1) |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized | (360.8) | (316.3) | (245.3) | (401.6) | (341.5) | (435.0) | (728.8) | (723.3) |
| Loan Recoveries - Actual | — | — | — | — | — | — | (4.9) | 2.3 |
| Interest Expense on Financial Lease Liabilities - Supplemental | 1,401.3 | 19.3 | 15.7 | 16.5 | 17.4 | 18.0 | — | — |
| Interest Expense | 890.8 | 825.0 | 793.3 | 757.1 | 725.9 | 730.1 | 1,012.9 | 1,006.8 |
| Interest & Dividend Income after Loan Loss Provision - Net - Finance | 66.2 | 74.9 | 120.6 | (3.0) | 21.1 | (70.7) | (348.5) | (235.0) |
| Revenue after Loan Provisions - Net - Finance | 957.0 | 899.9 | 913.9 | 754.1 | 747.0 | 659.4 | 664.4 | 771.9 |
| Operating Expenses | 574.5 | 531.3 | 518.1 | 539.2 | 518.7 | 508.1 | 394.7 | 592.7 |
| Selling, General & Administrative Expenses excluding Research & Development Expenses | 542.3 | 518.9 | 2,019.3 | — | — | 493.5 | 539.2 | 569.2 |
| Investment Gain/(Loss) | — | — | — | — | — | — | — | 0.0 |
| Non-Interest Expense - Bank | 542.1 | 512.5 | 497.5 | 517.5 | 500.4 | 486.4 | 532.4 | 570.4 |
| Income before Taxes & Provision for Loan Losses | (387.7) | (357.7) | (282.3) | (434.8) | (378.5) | (474.8) | (951.1) | (723.8) |
| DPS - Common - Gross - Issue - By Payable Date Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| DPS - Common - Gross - Issue - By Ex Date Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Tax Adjusted Operating Income | — | — | — | — | — | — | — | — |
| Operating Expenses excluding Non-Cash Charges - Total | 515.2 | 471.1 | 460.9 | 483.8 | 464.5 | 451.2 | 310.1 | 569.9 |
| Revenue Net of Interest Expense Before Loan Loss Provision | 154.5 | 154.8 | 215.2 | 82.7 | 121.9 | 11.6 | (418.7) | (153.4) |
| Income from Earning Assets | 989.7 | 916.7 | 934.2 | 777.3 | 764.3 | 676.4 | 526.7 | 794.1 |
| Income Available to Common Shares before Depreciation & Amortization | (361.2) | (314.2) | (245.3) | (402.5) | (341.5) | (435.0) | (728.8) | (723.3) |
| Commissions and Fees | 55.5 | 63.1 | 74.3 | 62.5 | 83.5 | 65.3 | 67.5 | 59.3 |
| Estimated Tax Rate | 0.29× | 0.29× | 0.29× | 0.29× | 0.29× | 0.29× | 0.29× | 0.29× |
| Total Common & Spl DPS -Gross - Issue - By Announcement Date Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Every line the company reported, in the original order and wording, without regrouping or signs changed.