AICLRs 31.0+9.1%BERGRs 36.5-14.4%PRLRs 147.7+44.2%AGLRs 16.9+69.1%KAPCORs 51.5+57.5%SITCRs 52.5-4.6%NMLRs 374.1+210.3%NETSOLRs 5,771.3+29.7%BOPRs 138.7-11.7%PSORs 443.1+105.3%NPLRs 18.7+89.3%FMLRs 288.6+94.9%MARIRs 23.5-11.0%THALLRs 140.6+110.3%NRLRs 61.3-22.3%HBLRs 451.9-6.7%SYSRs 1,566.1+36.2%GATMRs 79.9+33.4%GHGLRs 1,075.6+1.5%FCEPLRs 85.0+61.6%PNSCRs 566.1-42.5%AVNRs 463.8+57.3%FFLRs 135.5+33.3%AGTLRs 159.5-34.9%FEROZRs 274.0+45.3%SRVIRs 38.0+63.0%ILPRs 26.7+20.5%KELRs 71.8+64.8%MLCFRs 1.8-5.9%HTLRs 157.8+46.7%PIOCRs 54.6+58.7%IGIHLRs 98.5-4.8%EFERTRs 76.5+20.3%FFCRs 14.2-30.0%GHNIRs 476.1+34.4%PTCRs 14,713.1+1.5%TPLPRs 2,078.1+10.1%UBLRs 355.3-25.8%ISLRs 171.0+2.7%APLRs 38.3+9.0%ABOTRs 4.4-26.4%PKGSRs 61.2+35.3%FABLRs 263.0-1.9%ATLHRs 10.6-5.5%OGDCRs 71.0+43.4%MTLRs 106.9-27.7%NCLRs 5.7+56.9%UNITYRs 758.2+41.8%LUCKRs 67.7+22.9%KTMLRs 158.5+51.2%SNBLRs 172.8+16.1%BWCLRs 196.5+40.1%CHCCRs 25.0-4.0%ASTLRs 9.1+14.5%ITTEFAQRs 12.3-9.9%AGPRs 30.8-42.3%HINOONRs 61.3-35.9%ENGRORs 68.6+46.4%ATRLRs 26.4+81.9%SHELRs 187.1-5.4%JDWSRs 2.1+20.6%EFUGRs 50.9+44.1%KOHCRs 79.1+42.0%BNWMRs 54.3+62.8%GLAXORs 56.9+14.0%CNERGYRs 49.2-1.8%JSBLRs 377.8-24.1%SEARLRs 21.7-21.2%MCBRs 81.8-4.4%BAFLRs 110.1+14.1%TGLRs 236.2-8.1%NCPLRs 27.7+19.9%AIRLINKRs 81.3+23.7%PAELRs 27.5+77.4%PAKTRs 1.7+3.6%INDURs 74.3-34.6%EPCLRs 17.8-50.1%TRGRs 100.9+18.5%SNGPRs 3.6-7.2%MEBLRs 95.1+11.0%PPLRs 12.0+27.2%POLRs 149.8+69.1%BAHLRs 123.3-17.6%GWLCRs 18.0+9.8%ACPLRs 41.8+19.4%FCCLRs 146.4+6.4%HCARRs 752.9-10.6%NBPRs 173.6-16.9%FATIMARs 237.9+68.5%SSGCRs 12.9+40.7%AKBLRs 268.1-10.1%LOTCHEMRs 65.9-7.3%NATFRs 5.0-57.8%MUGHALRs 76.8-47.2%PSMCRs 514.2-32.5%ICIRs 268.1+5.8%HUBCRs 48.3+16.8%NESTLERs 4.6-50.6%ARPLRs 89.9-12.9%DGKCRs 681.9+39.9%PSELRs 113.5-0.4%AICLRs 31.0+9.1%BERGRs 36.5-14.4%PRLRs 147.7+44.2%AGLRs 16.9+69.1%KAPCORs 51.5+57.5%SITCRs 52.5-4.6%NMLRs 374.1+210.3%NETSOLRs 5,771.3+29.7%BOPRs 138.7-11.7%PSORs 443.1+105.3%NPLRs 18.7+89.3%FMLRs 288.6+94.9%MARIRs 23.5-11.0%THALLRs 140.6+110.3%NRLRs 61.3-22.3%HBLRs 451.9-6.7%SYSRs 1,566.1+36.2%GATMRs 79.9+33.4%GHGLRs 1,075.6+1.5%FCEPLRs 85.0+61.6%PNSCRs 566.1-42.5%AVNRs 463.8+57.3%FFLRs 135.5+33.3%AGTLRs 159.5-34.9%FEROZRs 274.0+45.3%SRVIRs 38.0+63.0%ILPRs 26.7+20.5%KELRs 71.8+64.8%MLCFRs 1.8-5.9%HTLRs 157.8+46.7%PIOCRs 54.6+58.7%IGIHLRs 98.5-4.8%EFERTRs 76.5+20.3%FFCRs 14.2-30.0%GHNIRs 476.1+34.4%PTCRs 14,713.1+1.5%TPLPRs 2,078.1+10.1%UBLRs 355.3-25.8%ISLRs 171.0+2.7%APLRs 38.3+9.0%ABOTRs 4.4-26.4%PKGSRs 61.2+35.3%FABLRs 263.0-1.9%ATLHRs 10.6-5.5%OGDCRs 71.0+43.4%MTLRs 106.9-27.7%NCLRs 5.7+56.9%UNITYRs 758.2+41.8%LUCKRs 67.7+22.9%KTMLRs 158.5+51.2%SNBLRs 172.8+16.1%BWCLRs 196.5+40.1%CHCCRs 25.0-4.0%ASTLRs 9.1+14.5%ITTEFAQRs 12.3-9.9%AGPRs 30.8-42.3%HINOONRs 61.3-35.9%ENGRORs 68.6+46.4%ATRLRs 26.4+81.9%SHELRs 187.1-5.4%JDWSRs 2.1+20.6%EFUGRs 50.9+44.1%KOHCRs 79.1+42.0%BNWMRs 54.3+62.8%GLAXORs 56.9+14.0%CNERGYRs 49.2-1.8%JSBLRs 377.8-24.1%SEARLRs 21.7-21.2%MCBRs 81.8-4.4%BAFLRs 110.1+14.1%TGLRs 236.2-8.1%NCPLRs 27.7+19.9%AIRLINKRs 81.3+23.7%PAELRs 27.5+77.4%PAKTRs 1.7+3.6%INDURs 74.3-34.6%EPCLRs 17.8-50.1%TRGRs 100.9+18.5%SNGPRs 3.6-7.2%MEBLRs 95.1+11.0%PPLRs 12.0+27.2%POLRs 149.8+69.1%BAHLRs 123.3-17.6%GWLCRs 18.0+9.8%ACPLRs 41.8+19.4%FCCLRs 146.4+6.4%HCARRs 752.9-10.6%NBPRs 173.6-16.9%FATIMARs 237.9+68.5%SSGCRs 12.9+40.7%AKBLRs 268.1-10.1%LOTCHEMRs 65.9-7.3%NATFRs 5.0-57.8%MUGHALRs 76.8-47.2%PSMCRs 514.2-32.5%ICIRs 268.1+5.8%HUBCRs 48.3+16.8%NESTLERs 4.6-50.6%ARPLRs 89.9-12.9%DGKCRs 681.9+39.9%PSELRs 113.5-0.4%

Compare Watch

SNBL

HOLD

Soneri Bank Limited

Commercial Banks · 0.15% of the KSE-100

Price

Rs 172.83

Market cap

Rs 17.1bn

12-month return

+16.1%

Rank

51 of 101

50composite

Rule-based44

ML ranker62

Conviction59

Why the engine ranks it here

Soneri Bank Limited (SNBL) screens as fairly valued against the rest of the KSE-100, ranking 51 of 101 on a composite score of 50/100.

Soneri Bank Limited sits in the Commercial Banks sector and scores best on price trend (51/100), weakest on growth (27/100). At PKR 172.83 the shares trade on a P/E of 1.5x, 0.22x book, a 60.0% dividend yield. The Piotroski F-Score is 5 of 9 (mixed) and the Altman Z''-Score is not applicable to financials.

What it does well

SNBL turns 1688.7% of sales into free cash flow.

Profitability & earnings quality

SNBL funds 9.9% of assets with equity.

Balance-sheet strength

SNBL pays a 60.0% dividend yield.

Valuation

What holds it back

SNBL earns only 15.0% on shareholders' money, behind its Commercial Banks peers.

Profitability & earnings quality

SNBL earnings moved -15.5% year on year.

Growth

SNBL has compounded revenue at only -2.1% a year over three years.

Growth

What would change this view

→ two consecutive quarters of revenue growth above the sector median

Five-pillar breakdown

Each pillar scores the company against sector peers, where 50 is the sector average.

Profitability & earnings quality30% weight46

Valuation25% weight45

Balance-sheet strength20% weight49

Growth15% weight27

Price trend10% weight51

The classic screens

Piotroski tests nine accounting facts about improvement; Altman scores the distance from financial distress.

Piotroski F-Score

5 / 9

mixed · 5 of 9 tests passed

Altman Z''-Score

n/a

Not applicable to banks and insurers

Profitable on assets

ROA 1.5%

Cash generative

CFO PKR 1,294,274m

Returns improving

ROA 1.5% vs 1.6% a year ago

Earnings backed by cash

CFO PKR 1,294,274m vs profit PKR 11,139m

Deleveraging

debt/assets 0.07 vs 0.08

Capital strengthening

equity/assets 9.9% vs 9.9%

Spread widening

net margin 14.5% vs 17.0%

Balance sheet productivity

revenue/assets 0.099 vs 0.107

No shareholder dilution

99m shares vs 99m

Price history

Weekly closes. Beta 0.92 against the index, annualised volatility 30%, RSI 60.

+228.8% over this window

Reported accounts

The last twelve quarters as filed, in PKR millions. The publication date is what the engine uses to decide when a figure became knowable.

Quarter	Revenue	Gross profit	Operating	Net income	EPS	Filed
2025 Q4	Rs 19.9bn	Rs 12.3bn	Rs 3.7bn	Rs 2.9bn	29.01	2026-04-30
2025 Q3	Rs 19.4bn	Rs 12.0bn	Rs 3.6bn	Rs 2.8bn	28.76	2025-11-14
2025 Q2	Rs 20.2bn	Rs 12.5bn	Rs 3.8bn	Rs 2.9bn	29.30	2025-08-14
2025 Q1	Rs 19.3bn	Rs 12.0bn	Rs 3.6bn	Rs 2.8bn	27.99	2025-05-15
2024 Q4	Rs 17.7bn	Rs 11.0bn	Rs 3.3bn	Rs 2.6bn	26.69	2025-04-30
2024 Q3	Rs 18.2bn	Rs 11.3bn	Rs 3.4bn	Rs 2.9bn	29.73	2024-11-14
2024 Q2	Rs 19.6bn	Rs 12.1bn	Rs 3.7bn	Rs 3.3bn	33.58	2024-08-14
2024 Q1	Rs 20.0bn	Rs 12.4bn	Rs 3.8bn	Rs 3.4bn	34.26	2024-05-15
2023 Q4	Rs 19.8bn	Rs 12.3bn	Rs 3.7bn	Rs 3.6bn	35.93	2024-04-29
2023 Q3	Rs 21.9bn	Rs 13.6bn	Rs 4.1bn	Rs 4.0bn	40.22	2023-11-14
2023 Q2	Rs 23.7bn	Rs 14.7bn	Rs 4.5bn	Rs 4.2bn	42.87	2023-08-14
2023 Q1	Rs 23.7bn	Rs 14.7bn	Rs 4.5bn	Rs 4.0bn	40.49	2023-05-15

Ranked against Commercial Banks

Every peer in the same sector, ordered by composite score. These are the companies whose ratios set this one's z-scores.

BOPThe Bank of Punjab0.4x69

HBLHabib Bank Limited1.2x65

UBLUnited Bank Limited0.5x56

FABLFaysal Bank Limited1.3x54

SNBLSoneri Bank Limited1.5x50

JSBLJS Bank Limited1.2x46

MCBMCB Bank Limited0.7x45

BAFLBank Alfalah Limited0.4x45

MEBLMeezan Bank Limited1.0x41

BAHLBank AL Habib Limited0.2x39

NBPNational Bank of Pakistan1.9x37

AKBLAskari Bank Limited1.7x35

Scored as of 31 December 2025. Generated by an automated screen for research and educational use. Not investment advice, and not a substitute for a SECP-licensed adviser.