Faysal Bank Limited (FABL) financial ratios

Faysal Bank Limited earned a net margin of 22.2% in FY2025 against a five-year average of 23.5% (Commercial Banks median 22.2%). Return on equity was 19.7%, compared with a sector median of 17.0%.

FY2025 vs the Commercial Banks median

Net margin: 22.2%; Sector median 22.2%
Return on equity (ROE): 19.7%; Sector median 17.0%
Return on assets (ROA): 1.3%; Sector median 1.2%
Debt to equity: 147.3%; Sector median 253.4%
Dividend payout ratio: 47.3%; Sector median 50.4%

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

FABL 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	47.8%	51.8%	49.8%	45.9%	39.6%	33.3%	35.8%	36.1%	37.3%	36.6%	36.2%	20.0%	14.5%	13.2%	12.2%	9.0%	17.1%	25.1%	13.9%	65.1%
Net margin	22.2%	23.9%	24.1%	23.2%	24.2%	20.4%	21.2%	21.2%	23.2%	23.6%	22.1%	14.0%	12.4%	10.2%	10.5%	9.0%	15.7%	15.7%	11.6%	47.4%
Effective tax rate	53.5%	53.8%	51.6%	49.6%	39.0%	38.7%	40.9%	41.2%	37.9%	35.4%	39.0%	30.3%	14.4%	22.6%	13.4%	0.0%	8.1%	37.7%	16.2%	27.2%
Returns
Return on equity (ROE)	19.7%	23.8%	25.1%	16.7%	13.2%	11.6%	12.2%	11.7%	12.2%	13.2%	14.9%	10.2%	8.6%	7.1%	7.2%	5.6%	10.2%	8.3%	14.8%	20.1%
Return on assets (ROA)	1.3%	1.6%	1.7%	1.2%	1.1%	1.0%	1.0%	0.9%	1.0%	1.0%	1.0%	0.7%	0.6%	0.5%	0.5%	0.4%	0.8%	0.8%	1.7%	2.5%
Leverage
Debt to equity	147.3%	304.9%	215.9%	259.5%	204.2%	133.7%	162.0%	280.4%	162.0%	174.1%	328.0%	305.4%	288.7%	242.7%	280.3%	309.6%	290.5%	143.1%	82.5%	141.3%
Debt to capital	59.6%	75.3%	68.3%	72.2%	67.1%	57.2%	61.8%	73.7%	61.8%	63.5%	76.6%	75.3%	74.3%	70.8%	73.7%	75.6%	74.4%	58.9%	45.2%	58.6%
Debt to assets	9.8%	21.4%	14.3%	17.0%	15.5%	11.3%	14.2%	20.3%	12.8%	13.5%	23.2%	20.7%	18.0%	16.3%	18.4%	19.1%	20.7%	11.3%	9.5%	16.9%
Assets to equity	14.69×	14.63×	15.14×	14.22×	12.51×	11.61×	12.46×	13.24×	12.76×	13.50×	14.44×	15.34×	15.47×	15.05×	15.67×	15.24×	13.42×	10.30×	8.54×	8.05×
Dividends
Dividend payout ratio	47.3%	44.5%	30.0%	92.9%	27.2%	0.0%	0.0%	0.0%	0.0%	0.0%	28.4%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	59.8%	37.6%
Earnings retention rate	0.53×	0.56×	0.70×	0.07×	0.73×	1.00×	1.00×	1.00×	1.00×	1.00×	0.72×	1.00×	1.00×	1.00×	1.00×	1.00×	1.00×	1.00×	0.40×	0.62×

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.

FABL: frequently asked questions

What is FABL's EPS?

Faysal Bank Limited reported basic earnings per share of Rs 14.80 for FY2025 (Jan – Dec 2025). Over the trailing twelve months (TTM to Jun 2026) EPS was Rs 15.03.

What is FABL's P/E ratio?

At the closing price of Rs 91.49 on 16 Oct 2026, FABL trades at a P/E of 6.1× based on EPS of Rs 15.03 (TTM to Jun 2026).

Does FABL pay dividends?

Yes. Faysal Bank Limited declared a dividend of Rs 6.50 per share for FY2025. It has paid a dividend in each of the last 5 years. At Rs 91.49 that is a dividend yield of 7.1%.

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

Faysal Bank Limited reported total income of Rs 101.1 bn and profit attributable to shareholders of Rs 22.5 bn for FY2025 (Jan – Dec 2025).

What is FABL's book value per share?

Faysal Bank Limited's book value per share was Rs 77.59 at the end of FY2025. The shares trade at 1.18× book value.

Information only, not investment advice.