AHL, AGIL, HCAR, JSBL and BOK compared

And the winner is ...... AGIL.

Symbol	AHL	AGIL	HCAR	JSBL	BOK				AHL	AGIL	HCAR	JSBL	BOK
Fundamentals
Price Performance (1 month)	-19.80%	5.48%	-24.74%	-23.69%	-14.63 %				3	1	5	4	2
Price Performance (3 months)	-18.33%	17.31%	-21.04%	-39.17%	-23.46 %				2	1	3	5	4
Price Performance (6 months)	-13.62%	21.36%	-26.60%	-38.92%	4.90 %				3	1	4	5	2
Price Performance (12 months)	-22.96%	127.47%	0.00%	-49.17%	-3.75 %				4	1	2	5	3
Beta	1.04	0.90	0.80	1.13	0.98				4	2	1	5	3
Dividends / Earnings
Dividends (Latest Quarter)
Dividends (Last Year)	Rs 1.50	Rs 2.00	N/A	N/A	N/A				4	5
Dividend Yield	2.76%	2.67%	N/A	N/A	N/A				5	4
EPS (Uptill Latest Quarter)	7.29	9.28	-5.97	-0.31	0.21				4	5	1	2	3
EPS (Last Year)	4.08	9.49	-5.97	-0.97	-1.27				4	5	1	3	2
Valuations
PE (Last Year)	13.33	7.9	N/A	N/A	N/A				4	5
Expected PE (Latest Quarter)	5.59	6.06	N/A	N/A	4.55				4	3			5
PE (3 Year Average)		6.25	37.08	137.55	21.22					5	3	2	4
PEG (Latest)	0.04	0.2	N/A	N/A	N/A				5	4
Book Value (Last Year)	38.23	50.08	19.8	9.23	11.92				4	5	3	1	2
Book Value (Latest Quarter)	36.68	58.64	14.93	8.77	11.69				4	5	3	1	2
EV/EBITDA	N/A	1.74	32.84	N/A	N/A					5	4
Growth
Earning Growth (Last Year)	-66.47	-1.37	-635.71	-1186.24	-563.92				4	5	2	1	3
Book Value Growth (Last Year)	-12.94	-2.85	-12.47	-0.32	1.97				1	3	2	4	5
Cash Flow (Last Year)	-111.58	129.96	-1019.06	82.78	-41.23				2	5	1	4	3
EBITDA Growth (Last Year)	N/A	-2.11	-79.51	N/A	N/A					5	4
Underwriting Result Growth (Last Year)	N/A	N/A	N/A	N/A	N/A
Profitability
Gross Profit Margin (Last Year)	N/A	20.10%	1.25%	N/A	N/A					4	5
Net Profit Margin (Last Year)	N/A	11.33%	-2.84%	N/A	N/A					5	4
Net Interest Margin (Last Year)	N/A	N/A	N/A	6.73%	3.36 %							5	4
EBITDA Margin (Last Year)	N/A	19.71%	1.15%	N/A	N/A					5	4
Return On Assets (Last Year)	5.41%	16.35%	-4.04%	-1.81%	-1.64 %				4	5	1	2	3
Return On Equity (Last Year)	13.34%	18.96%	-14.21%	-10.52%	-10.69 %
			4	5	1	3	2
								SUM	69	99	54	52	52

AHL, AGIL, HCAR, JSBL and BOK compared

BOC, BIPL, NCL, AHBL and NETSOL compared

And the winner is ................. BOC.

Symbol	BOC	BIPL	NCL	AHBL	NETSOL			BOC	BIPL	NCL	AHBL	NETSOL
Fundamentals
Price Performance (1 month)	-18.95%	-17.98%	-22.00%	-29.40%	-3.97 %			3	2	4	5	1
Price Performance (3 months)	-24.71%	-26.88%	-22.00%	-43.42%	-6.28 %			3	4	2	5	1
Price Performance (6 months)	-22.57%	-25.38%	8.33%	-25.05%	-2.47 %			3	5	1	4	2
Price Performance (12 months)	-12.85%	-31.35%	100.80%	-33.39%	83.84 %			3	4	1	5	2
Beta	0.61	0.92	1.19	1.13	1.00			1	2	4	5	3
Dividends / Earnings
Dividends (Latest Quarter)
Dividends (Last Year)	Rs 9.00	N/A	N/A	N/A	N/A			5
Dividend Yield	9.40%	N/A	N/A	N/A	N/A			5
EPS (Uptill Latest Quarter)	1.07	0.01	1.13	-0.43	8.03			3	2	4	1	5
EPS (Last Year)	10.05	-0.91	0.83	-4.57	3.77			5	2	3	1	4
Valuations
PE (Last Year)	9.53	N/A	20.86	N/A	7.54			5		3		4
Expected PE (Latest Quarter)	22.37	110	7.66	N/A	2.65			3	2	4		5
PE (3 Year Average)			157	0	6.83					3	5	4
PEG (Latest)	-0.39	N/A	0.04	N/A	0.01			5		3		4
Book Value (Last Year)	48.02	8.91	25	8.11	30.53			5	2	4	1	3
Book Value (Latest Quarter)	52.56	8.99	29.18	7.55	38.65			5	2	3	1	4
EV/EBITDA	8.47	N/A	2.53	N/A	6.33			3		5		4
Growth
Earning Growth (Last Year)	-12.47	804.85	468.45	1094.09	-58.33			2	4	3	5	1
Book Value Growth (Last Year)	5.69	-9.36	-27.7	-30.33	-8.76			5	3	2	1	4
Cash Flow (Last Year)	-38.84	43.22	9.41	87.13	78.21			1	3	2	5	4
EBITDA Growth (Last Year)	-15.27	N/A	26.92	N/A	-21.22			4		5		3
Underwriting Result Growth (Last Year)	N/A	N/A	N/A	N/A	N/A
Profitability
Gross Profit Margin (Last Year)	34.06%	N/A	14.96%	N/A	41.85 %			4		3		5
Net Profit Margin (Last Year)	16.39%	N/A	1.04%	N/A	27.20 %			4		3		5
Net Interest Margin (Last Year)	N/A	4.84%	N/A	2.06%	N/A				5		4
EBITDA Margin (Last Year)	28.50%	N/A	17.94%	N/A	39.23 %			4		3		5
Return On Assets (Last Year)	10.86%	-1.40%	0.86%	-5.99%	10.08 %			4	2	3	1	5
Return On Equity (Last Year)	20.93%	-10.18%	3.33%	-56.37%	12.36 %
		5	2	3	1	4
							SUM	90	46	71	50	82

BOC, BIPL, NCL, AHBL and NETSOL compared

JDWS, SBL, FEROZ, GWLC and JSGCL compared

And the winner is .......................... JDWS.

Symbol	JDWS	SBL	FEROZ	GWLC	JSGCL				JDWS	SBL	FEROZ	GWLC	JSGCL
Fundamentals
Price Performance (1 month)	3.59%	-11.67%	-8.45%	-14.69%	-14.16 %				1	3	2	5	4
Price Performance (3 months)	-13.24%	-18.37%	-5.34%	-25.36%	-32.86 %				2	3	1	4	5
Price Performance (6 months)	37.34%	-14.89%	-9.55%	-12.48%	-34.98 %				1	4	2	3	5
Price Performance (12 months)	43.41%	-33.49%	-26.88%	-31.48%	-43.95 %				1	4	2	3	5
Beta	0.44	0.95	0.09	0.03	0.97				3	4	2	1	5
Dividends / Earnings
Dividends (Latest Quarter)
Dividends (Last Year)	Rs 4.00	N/A	Rs 1.00	N/A	Rs 10.00				4		3		5
Dividend Yield	6.13%	N/A	0.89%	N/A	20.76 %				4		3		5
EPS (Uptill Latest Quarter)	12.35	-0.07	8.65	-5.21	10.04				5	2	3	1	4
EPS (Last Year)	11.53	-0.68	8.77	-1.6	8.66				5	2	4	1	3
Valuations
PE (Last Year)	5.66	N/A	12.84	N/A	5.56				4		3		5
Expected PE (Latest Quarter)	1.32	N/A	9.76	N/A	3.60				5		3		4
PE (3 Year Average)	14.26	0	13.76	4.55	4.55				2	5	3	4	4
PEG (Latest)	0	N/A	0.31	N/A	0.07				5		3		4
Book Value (Last Year)	41.94	8.07	70.14	10.64	65.98				3	1	5	2	4
Book Value (Latest Quarter)	41.94	7.96	66.27	14.35	62.10				3	1	5	2	4
EV/EBITDA	2.73	N/A	12.55	N/A	N/A				5		4
Growth
Earning Growth (Last Year)	43.14	-20.11	-15.79	131.59	-66.96				4	2	3	5	1
Book Value Growth (Last Year)	2.37	29.53	-5.89	-23.61	-28.2				4	5	3	2	1
Cash Flow (Last Year)	47.38	50.95	-37.77	-79.16	291.41				3	4	2	1	5
EBITDA Growth (Last Year)	91.67	N/A	-9.58	N/A	N/A				5		4
Underwriting Result Growth (Last Year)	N/A	N/A	N/A	N/A	N/A
Profitability
Gross Profit Margin (Last Year)	25.12%	N/A	53.82%	N/A	N/A				4		5
Net Profit Margin (Last Year)	6.63%	N/A	16.84%	N/A	N/A				4		5
Net Interest Margin (Last Year)	N/A	4.31%	N/A	N/A	N/A					5
EBITDA Margin (Last Year)	25.62%	N/A	24.51%	N/A	N/A				5		4
Return On Assets (Last Year)	4.82%	-2.50%	11.57%	-3.21%	5.57 %				3	2	5	1	4
Return On Equity (Last Year)	27.03%	-8.38%	15.01%	-15.00%	6.25 %
			5	2	4	1	3
								SUM	90	49	83	36	80

JDWS, SBL, FEROZ, GWLC and JSGCL compared

BATA, LOTPTA, ABL, NBP and HBL compared

And the winner is ........................... BATA.

Symbol	BATA	LOTPTA	ABL	NBP	HBL				BATA	LOTPTA	ABL	NBP	HBL
Fundamentals
Price Performance (1 month)	-23.73%	-19.79%	-9.66%	-13.69%	-8.91 %				5	4	2	3	1
Price Performance (3 months)	-34.20%	-8.29%	-10.56%	9.08%	-19.76 %				5	2	3	1	4
Price Performance (6 months)	-49.08%	27.69%	-1.74%	23.17%	-19.14 %				5	1	3	2	4
Price Performance (12 months)	-20.93%	219.02%	45.62%	26.70%	7.41 %				5	1	2	3	4
Beta	0.53	1.96	1.04	1.35	1.21				1	5	2	4	3
Dividends / Earnings
Dividends (Latest Quarter)
Dividends (Last Year)	Rs 12.00	Rs 0.50	Rs 4.00	Rs 7.50	Rs 6.00				5	1	2	4	3
Dividend Yield	2.40%	5.14%	6.74%	11.17%	5.90 %				1	2	4	5	3
EPS (Uptill Latest Quarter)	19.35	0.58	2.27	3.13	3.96				5	1	2	3	4
EPS (Last Year)	77.45	2.23	9.11	13.54	13.50				5	1	2	4	3
Valuations
PE (Last Year)	6.45	4.36	6.52	4.96	7.54				3	5	2	4	1
Expected PE (Latest Quarter)	6.45	4.19	6.54	5.36	6.42				2	5	1	4	3
PE (3 Year Average)	8.02	0.59	10.52	4.85	12.68				3	5	2	4	1
PEG (Latest)	N/A	1.03	-21.39	-0.72	0.37					2	5	4	3
Book Value (Last Year)	259.36	4.92	38.31	88.86	78.95				5	1	2	4	3
Book Value (Latest Quarter)	278.71	5.05	38.68	88.86	84.92				5	1	2	4	3
EV/EBITDA	6.84	0.94	N/A	N/A	N/A				4	5
Growth
Earning Growth (Last Year)	33.22	-292.18	71.34	17.81	22.97				4	1	5	2	3
Book Value Growth (Last Year)	47.55	79.56	10.75	-22.21	-7.88				4	5	3	1	2
Cash Flow (Last Year)	-64.09	1916.48	6.78	-0.35	22.46				1	5	3	2	4
EBITDA Growth (Last Year)	20.98	1048.77	N/A	N/A	N/A				4	5
Underwriting Result Growth (Last Year)	N/A	N/A	N/A	N/A	N/A
Profitability
Gross Profit Margin (Last Year)	42.38%	15.55%	N/A	N/A	N/A				5	4
Net Profit Margin (Last Year)	9.36%	8.96%	N/A	N/A	N/A				5	4
Net Interest Margin (Last Year)	N/A	N/A	5.63%	5.55%	6.49 %						4	3	5
EBITDA Margin (Last Year)	13.55%	16.50%	N/A	N/A	N/A				4	5
Return On Assets (Last Year)	19.12%	17.92%	1.70%	1.93%	1.50 %				5	4	2	3	1
Return On Equity (Last Year)	29.86%	45.41%	23.77%	15.23%	15.55 %
			4	5	3	1	2
								SUM	95	80	56	65	60

BATA, LOTPTA, ABL, NBP and HBL compared