BankIslami Pakistan Limited (BIPL) financial ratios

BankIslami Pakistan Limited earned a net margin of 13.4% in FY2025 against a five-year average of 19.2% (Commercial Banks median 22.2%). Return on equity was 12.4%, compared with a sector median of 17.0%.

FY2025 vs the Commercial Banks median

Net margin: 13.4%; Sector median 22.2%
Return on equity (ROE): 12.4%; Sector median 17.0%
Return on assets (ROA): 0.8%; Sector median 1.2%
Debt to equity: 70.3%; Sector median 253.4%
Dividend payout ratio: 50.8%; Sector median 50.4%

Median of the 19 companies in the sector with the figure for their latest fiscal year.

BIPL financial ratios (annual) (Rs mn)
Rs mn	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	FY2015 * Jan – Dec 2015	FY2014 Jan – Dec 2014	FY2013 Jan – Dec 2013	FY2012 Jan – Dec 2012	FY2011 Jan – Dec 2011	FY2010 Jan – Dec 2010	FY2009 * Jan – Dec 2009	FY2008 Jan – Dec 2008	FY2007 * Jan – Dec 2007	FY2006 * Jan – Dec 2006
Profitability
Pre-tax margin	31.2%	50.3%	46.3%	35.3%	25.3%	19.7%	15.2%	5.1%	2.8%	16.7%	(7.1%)	11.9%	10.8%	16.8%	21.9%	0.7%	(15.6%)	(9.4%)	(10.3%)	—
Net margin	13.4%	23.3%	24.5%	19.2%	15.4%	10.5%	9.2%	4.5%	28.0%	13.2%	(2.1%)	7.9%	6.5%	11.1%	14.5%	0.7%	(13.0%)	(2.0%)	(4.4%)	—
Effective tax rate	57.0%	53.6%	47.3%	46.0%	39.2%	38.3%	40.1%	51.7%	(852.2%)	47.5%	—	33.3%	39.6%	33.7%	33.9%	1.6%	—	—	—	—
Returns
Return on equity (ROE)	12.4%	28.0%	33.6%	18.1%	9.0%	7.2%	6.4%	2.3%	12.5%	5.3%	(0.9%)	4.8%	3.2%	5.7%	8.1%	0.9%	(9.8%)	(1.1%)	—	—
Return on assets (ROA)	0.8%	1.7%	1.9%	1.0%	0.5%	0.5%	0.4%	0.1%	0.8%	0.4%	(0.1%)	0.3%	0.2%	0.5%	0.8%	0.1%	(1.8%)	(0.3%)	—	—
Leverage
Debt to equity	70.3%	226.6%	200.4%	115.7%	131.1%	129.3%	118.5%	72.4%	137.1%	68.9%	41.1%	21.5%	54.0%	51.4%	30.1%	27.4%	21.7%	11.6%	10.7%	—
Debt to capital	41.3%	69.4%	66.7%	53.6%	56.7%	56.4%	54.2%	42.0%	57.8%	40.8%	29.1%	17.7%	35.1%	33.9%	23.1%	21.5%	17.8%	10.4%	9.7%	—
Debt to assets	4.4%	14.8%	11.1%	6.4%	7.3%	7.9%	8.5%	5.1%	8.9%	4.9%	2.7%	1.5%	3.9%	3.9%	2.7%	2.9%	3.0%	3.2%	2.9%	—
Assets to equity	15.59×	16.46×	18.09×	18.07×	17.24×	15.19×	14.03×	14.77×	14.76×	14.61×	15.07×	14.39×	13.60×	12.18×	10.28×	8.34×	5.38×	3.68×	—	—
Dividends
Dividend payout ratio	50.8%	25.8%	10.4%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	—	0.0%	0.0%	0.0%	0.0%	0.0%	—	—	—	—
Earnings retention rate	0.49×	0.74×	0.90×	1.00×	1.00×	1.00×	1.00×	1.00×	1.00×	1.00×	—	1.00×	1.00×	1.00×	1.00×	1.00×	—	—	—	—

Ratios as reported for each fiscal year; returns are on average equity / assets. Debt ratios are percentages; turnover in times; working-capital measures in days.

BIPL: frequently asked questions

What is BIPL's EPS?

BankIslami Pakistan Limited reported basic earnings per share of Rs 5.42 for FY2025 (Jan – Dec 2025). Over the trailing twelve months (TTM to Jun 2026) EPS was Rs 3.27.

What is BIPL's P/E ratio?

At the closing price of Rs 24.41 on 16 Oct 2026, BIPL trades at a P/E of 7.5× based on EPS of Rs 3.27 (TTM to Jun 2026).

Does BIPL pay dividends?

Yes. BankIslami Pakistan Limited declared a dividend of Rs 2.75 per share for FY2025. It has paid a dividend in each of the last 4 years. At Rs 24.41 that is a dividend yield of 11.3%.

What was BIPL's total income and profit in FY2025?

BankIslami Pakistan Limited reported total income of Rs 44.8 bn and profit attributable to shareholders of Rs 6.0 bn for FY2025 (Jan – Dec 2025).

What is BIPL's book value per share?

BankIslami Pakistan Limited's book value per share was Rs 43.76 at the end of FY2025. The shares trade at 0.56× book value.

Information only, not investment advice.