ALARABANK Alarafah Islami Bank Ltd.
Bank
Tk 14.8 as of 2026-11-12 14:00:00
Rank 244 of all scored
Data completeness 100%
Data completeness 100%
Score breakdown
Consistency 53
Profitability 12
Solvency 50
Valuation 72
Weights: consistency 30%, profitability 30%, solvency 20%, valuation 20%; then risk flags add or subtract points. Full method
Why this score
Strengths
- Valuation Trades near book value (P/NAV 0.68x)
- Ownership Institutions (38.09%) hold more than the public (21.47%)
Concerns
- Consistency EPS rose in only 1 of 4 years (erratic or cyclical)
- Profitability Average ROE only 7.43% (below 9%: capital not working hard)
- Profitability Net profit shrinking 26.35% a year
Notes
- Solvency Bank/insurer: NPL and capital-adequacy are not in the data, so solvency is estimated from earnings stability
- Valuation P/E 11.47 is fair
Risk flags
- Category Z (poor/defaulting: gambling favourite, avoid for long-term)
- Thin trading (last day ~Tk 0.00 cr)
Valuation
P/E
P/E audited
P/E current
P/B
NAV per share
EPS (last audited year)
Graham fair value
Margin of safety
52-week range
18.4% above the low, 24.1% below the high. Near the low is only interesting if profit is intact (see concerns above) and the fall has a temporary cause.
Quality and growth
ROE
ROE avg
ROE min
Profit CAGR
Profit YoY
Net profit
EPS up
Loss years (last ~5)
Dividends and safety
Div years
Dividend yield
Payout
Cash div
D/E
Their loans are deposits; NPL data is not available
Loans/MCap
Size, liquidity and ownership
MCap
Free float
Daily turnover
Sponsor %
Inst. %
Public %
Foreign %
Shareholding
- Sponsor/director 40.4%
- Institution 38.1%
- Foreign 0%
- Public 21.5%
Audited history
| Year | EPS (Tk) | NAV/share | Net profit (cr) | Cash div % | Bonus % |
|---|---|---|---|---|---|
| 2020 | 2.41 | 22.35 | 257 | 15 | 0 |
| 2021 | 1.96 | 22.73 | 209 | 15 | 0 |
| 2022 | 1.95 | 22.75 | 208 | 12 | 3 |
| 2023 | 2.14 | 22.63 | 235 | 10 | 5 |
| 2024 | 0.66 | 20.85 | 75 | — | — |
Fiscal year ends December. EPS, NAV and profit are as audited by the company and published by DSE. Financials last fetched: 14/11/2026.
Shariah screen (partial)
Business screen and the debt ratio (loans / market cap 398.2%, limit 33%) are automated. Interest income (under 5% of revenue) and cash/investment ratios must be checked in the annual report.
Educational, not investment advice. Verify on DSE and StockNow before making any decision.