OLPL - FoxLogica

⏸️ OLPL: NEUTRAL Signal (5/10) – Disclosure of Interest by a Director CEO, or Executive of a listed company and their Spouses and the Substantial Shareholders u/c 5.6.1.(d) of PSX Regulations

⚡ Flash Summary

On December 2, 2025, OLP Financial Services Pakistan Limited disclosed a transaction by Mr. Shahzad Rana Younus, an Executive of the company. Mr. Younus purchased 3,636 shares of OLP through the CDC/Electronic system in the ‘Ready’ market at a rate of PKR 48.77 per share. Following this transaction, Mr. Younus’ cumulative shareholding in the company increased to 10,100 shares, representing 0.01% of the total shares. This information is being presented to the Board of Directors as required under PSX regulations.

Signal: NEUTRAL ⏸️

Strength: 5/10

Sentiment: NEUTRAL

Time Horizon: MEDIUM_TERM

📌 Key Takeaways

💼 Mr. Shahzad Rana Younus, an Executive at OLP Financial Services Pakistan Limited, executed a share purchase.
📅 The transaction occurred on December 2, 2025.
🛒 Mr. Younus purchased 3,636 shares of OLP.
🏦 The shares were purchased through the CDC/Electronic system.
📈 The purchase rate was PKR 48.77 per share.
📊 After the purchase, Mr. Younus’ cumulative shareholding reached 10,100 shares.
📉 His total holding now represents 0.01% of the company’s shares.
🚦 The transaction took place in the ‘Ready’ market.
📜 The disclosure is in compliance with PSX Regulations 5.6.4.
📢 The matter will be presented to the Board of Directors in their subsequent meeting.

🎯 Investment Thesis

HOLD. This disclosure, in isolation, does not provide sufficient information to warrant a change in investment recommendation. The share purchase by the executive is a minor transaction and does not significantly alter the company’s financial outlook or valuation. A HOLD recommendation is appropriate until a more comprehensive analysis of OLP’s financials and market position can be conducted. Price target and time horizon will depend on broader financial performance and market conditions.

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Disclaimer: AI-generated analysis. Not financial advice.

Written by: FoxLogica News Analysis

Published on: December 2, 2025

announcements OLPL Signal: HOLD

⏸️ OLPL: HOLD Signal (6/10) – Presentation – Corporate Briefing Session 2025

⚡ Flash Summary

OLPL’s Corporate Briefing Session 2025 reveals a mixed financial performance. Revenue decreased from PKR 7.98 billion in FY24 to PKR 6.96 billion in FY25, while profitability also saw a slight decline from PKR 1.39 billion to PKR 1.23 billion. The EPS decreased from PKR 7.94 to PKR 6.99. Despite the decrease, OLPL maintains a strong focus on SME lending and is planning to diversify its product offerings and improve process efficiency through digitization.

Signal: HOLD ⏸️

Strength: 6/10

Sentiment: NEGATIVE

Time Horizon: MEDIUM_TERM

📌 Key Takeaways

Revenue decreased from PKR 7.98 billion in FY24 to PKR 6.96 billion in FY25 📉.
Profitability declined from PKR 1.39 billion in FY24 to PKR 1.23 billion in FY25 📉.
Earnings Per Share (EPS) decreased from PKR 7.94 in FY24 to PKR 6.99 in FY25 📉.
OLPL disbursed a total of PKR 273 billion to SMEs over the last 39 years 💰.
Market capitalization stands at PKR 6.75 billion as of June 30, 2025 🏢.
74% of total disbursements in FY25 went to the SME & individual sector 🏦.
SME & individual represents 72% of the portfolio (61% of total assets) 📊.
The company maintains a Long Term AAA and Short Term A1+ credit rating ✅.
OLPL has 31 branches in 26 cities across Pakistan 📍.
Dividend including bonus shares increased to 55% in 2025 from 50% in 2024 ⬆️.
Price to Book ratio increased from 0.46 to 0.62 from June-24 to June-25 📈.
Dividend Yield decreased from 18.06% to 14.30% from June-24 to June-25 📉.
Total Assets increased from PKR 31.954 billion to PKR 35.417 billion ⬆️.
Total borrowings increased from PKR 18.235 billion to PKR 21.463 billion ⬆️.
The company is focused on digitization, automation, and new product offerings for future growth 🚀.

🎯 Investment Thesis

Given the decrease in revenue, profitability, and EPS, and the increase in borrowings, a HOLD recommendation is appropriate. While OLPL maintains strong credit ratings and a focus on the SME sector, the declining financial performance warrants caution. Further monitoring of the company’s strategic initiatives and their impact on future financial results is recommended.

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Disclaimer: AI-generated analysis. Not financial advice.

Written by: FoxLogica News Analysis

Published on: November 21, 2025

announcements OLPL Signal: HOLD

⏸️ OLPL: HOLD Signal (5/10) – Corporate Briefing Session 2025

⚡ Flash Summary

OLPL announced: Corporate Briefing Session 2025. Basic analysis suggests neutral sentiment. Professional review recommended.

Signal: HOLD ⏸️

Strength: 5/10

Sentiment: NEUTRAL

Time Horizon: MEDIUM_TERM

📌 Key Takeaways

OLPL made announcement: Corporate Briefing Session 2025
Automated analysis: HOLD signal detected
Signal strength: 5/10
This is basic analysis – manual review recommended
Professional CFA analysis unavailable

🎯 Investment Thesis

Basic HOLD indication for OLPL. Manual verification required.

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Disclaimer: AI-generated analysis. Not financial advice.

Written by: FoxLogica News Analysis

Published on: November 13, 2025

announcements OLPL Signal: HOLD

⏸️ OLPL: HOLD Signal (6/10) – Certified True Copies Of The Resolutions Passed In The 39th Annual Gneral Meeting

⚡ Flash Summary

OLP Financial Services Pakistan Limited held its 39th Annual General Meeting on October 24, 2025. The shareholders approved the audited financial statements for the year ended June 30, 2025. A final cash dividend of PKR 3.5 per share (35%) for the year ended June 30, 2024, was approved, in addition to the already paid interim dividend of PKR 2 per share (20%). KPMG Taseer Hadi & Co. were re-appointed as the external auditors for the year ending June 30, 2026.

Signal: HOLD ⏸️

Strength: 6/10

Sentiment: POSITIVE

Time Horizon: MEDIUM_TERM

📌 Key Takeaways

✅ AGM approved audited financial statements for the year ended June 30, 2025.
💰 Final cash dividend of PKR 3.5 per share (35%) approved for FY2024.
💵 Interim cash dividend of PKR 2 per share (20%) already paid.
🤝 Total dividend for FY2024 is PKR 5.5 per share (55%).
🏢 KPMG Taseer Hadi & Co. re-appointed as external auditors for FY2026.
🗓️ Next audit period will end on June 30, 2026.
👍 Board authorized to fix auditor remuneration.
📜 Resolutions passed in compliance with PSX regulations.
📅 AGM held on October 24, 2025.
🏦 OLP Financial Services Pakistan Limited (formerly ORIX Leasing Pakistan Limited) conducted the meeting.
📍 Meeting held in Karachi, Pakistan.
✔️ Nadeem Amir Ali, Company Secretary, certified the resolutions.
📊 Dividend payout indicates confidence in the company’s financial performance.

🎯 Investment Thesis

HOLD. The dividend payout is a positive sign, and the re-appointment of the auditor ensures continued financial oversight. The total dividend of PKR 5.5 is attractive, however a deeper dive into the financial results is required to see if the company is investable at the current share price. Until further data is available, a hold strategy is appropriate. Without access to the Audited Financial Statements, it is not possible to provide a price target. The time horizon is medium-term.

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Disclaimer: AI-generated analysis. Not financial advice.

Written by: FoxLogica News Analysis

Published on: November 7, 2025

announcements OLPL Signal: HOLD

⏸️ OLPL: HOLD Signal (6/10) – Financial Results for the Quarter Ended September 30, 2025

⚡ Flash Summary

OLP Financial Services Pakistan Limited announced its Q1 2025 financial results, revealing a mixed performance. While revenue increased, profitability declined due to higher expenses and provisions. The company’s balance sheet shows a healthy asset base, but cash flow from operations was negative. Despite challenges, OLP remains a key player in Pakistan’s financial sector.

Signal: HOLD ⏸️

Strength: 6/10

Sentiment: NEGATIVE

Time Horizon: MEDIUM_TERM

📌 Key Takeaways

📈 Total assets increased slightly from Rs 43.95 billion to Rs 44.94 billion.
📉 Revenue increased to Rs 1.57 billion, up from Rs 1.89 billion in Q1 2024.
⚠️ Profit before income taxes and levy decreased from Rs 574.29 million to Rs 517.65 million.
📉 Earnings per share (EPS) decreased from Rs 1.81 to Rs 1.64.
⚠️ Finance costs increased substantially from Rs 824.85 million to Rs 1.22 billion.
❗️Cash flow from operating activities was negative at Rs (477.61) million, compared to negative Rs (581.44) million
✅ Investments in finance leases decreased from Rs 1.19 billion to Rs (118.10) million.
❗️Administrative and general expenses decreased from Rs 459.85 million to Rs 490.56 million.
✅ Long-term finances increased from Rs 11.65 billion to Rs 11.64 billion.
✅ Short-term investments decreased from Rs 2.34 billion to Rs 2.15 billion.
❗️Total equity attributable to equity holders of the Holding Company increased from Rs 10.92 billion to Rs 11.20 billion.
⚠️ Non-current liabilities increased from Rs 13.52 billion to Rs 14.12 billion.

🎯 Investment Thesis

Given the mixed financial performance, declining profitability, and negative cash flow, a HOLD recommendation is appropriate. While the company has a strong asset base, the current financial trends raise concerns about future performance. A price target of Rs 1.75 based on current EPS and a price-to-earnings multiple of 1.0 is suggested. The time horizon is medium-term (6-12 months), pending improvements in financial performance.

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Disclaimer: AI-generated analysis. Not financial advice.

Written by: FoxLogica News Analysis

Published on: November 7, 2025

announcements OLPL Signal: HOLD

⏸️ OLPL: HOLD Signal (5/10) – Transmission of Quarterly Report for the Period Ended September 30, 2025

⚡ Flash Summary

OLPL announced: Transmission of Quarterly Report for the Period Ended September 30, 2025. Basic analysis suggests neutral sentiment. Professional review recommended.

Signal: HOLD ⏸️

Strength: 5/10

Sentiment: NEUTRAL

Time Horizon: MEDIUM_TERM

📌 Key Takeaways

OLPL made announcement: Transmission of Quarterly Report for the Period Ended September 30, 2025
Automated analysis: HOLD signal detected
Signal strength: 5/10
This is basic analysis – manual review recommended
Professional CFA analysis unavailable

🎯 Investment Thesis

Basic HOLD indication for OLPL. Manual verification required.

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Disclaimer: AI-generated analysis. Not financial advice.

Written by: FoxLogica News Analysis

Published on: November 6, 2025

announcements OLPL Signal: BUY

📈 OLPL: BUY Signal (7/10) – Credit of Final Dividend for the Year Ended June 30, 2025

⚡ Flash Summary

OLPL announced: Credit of Final Dividend for the Year Ended June 30, 2025. Basic analysis suggests positive sentiment. Professional review recommended.

Signal: BUY 📈

Strength: 7/10

Sentiment: POSITIVE

Time Horizon: MEDIUM_TERM

📌 Key Takeaways

OLPL made announcement: Credit of Final Dividend for the Year Ended June 30, 2025
Automated analysis: BUY signal detected
Signal strength: 7/10
This is basic analysis – manual review recommended
Professional CFA analysis unavailable

🎯 Investment Thesis

Basic BUY indication for OLPL. Manual verification required.

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Disclaimer: AI-generated analysis. Not financial advice.

Written by: FoxLogica News Analysis

Published on: November 6, 2025

announcements OLPL Signal: HOLD

⏸️ OLPL: HOLD Signal (5/10) – Notice of Board Meeting

⚡ Flash Summary

OLP Financial Services Pakistan Limited has announced a board meeting scheduled for October 28, 2025, to review the Condensed Interim Financial Statements for the first quarter ending September 30, 2025. The meeting will also address the declaration of any entitlement. In compliance with Pakistan Stock Exchange regulations, a “Closed Period” for trading the company’s shares will be observed from October 22, 2025, to October 28, 2025. This restriction applies to all Directors, the CEO, and Executives, preventing them from dealing in the company’s shares during this period.

Signal: HOLD ⏸️

Strength: 5/10

Sentiment: NEUTRAL

Time Horizon: MEDIUM_TERM

📌 Key Takeaways

📅 Board meeting scheduled for October 28, 2025, at 12:00 p.m.
📊 Reviewing Condensed Interim Financial Statements for Q1 2025 (ending September 30, 2025).
💰 Consideration of entitlement declarations.
🚫 “Closed Period” declared from October 22 to October 28, 2025.
🔒 Restriction on Directors, CEO, and Executives from trading shares during the closed period.
🇵🇰 Compliance with Clause 5.6.4 of Pakistan Stock Exchange Regulations.
🏢 Meeting at the company’s Registered Office in Korangi Industrial Area, Karachi.
✉️ Notification sent to the General Manager of the Pakistan Stock Exchange.
📄 Interim statements are for the period ending September 30, 2025.
👤 Nadeem Amir Ali, Company Secretary, is the contact person.
🌐 Company website: olpfinance.com
🏢 Registered office located at Plot No. 16, Sector No.24 Korangi Industrial Area, Karachi.

🎯 Investment Thesis

HOLD. This announcement is primarily procedural, outlining the board meeting and closed period. A BUY or SELL recommendation cannot be made until the Q1 2025 financial statements are reviewed and analyzed. Further insights into the company’s performance are required to make an informed investment decision. Target price and time horizon will be determined after financial review.

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Disclaimer: AI-generated analysis. Not financial advice.

Written by: FoxLogica News Analysis

Published on: October 20, 2025

announcements OLPL Signal: HOLD

⏸️ OLPL: HOLD Signal (5/10) – Change of Company Secretary

⚡ Flash Summary

OLPL announced: Change of Company Secretary. Basic analysis suggests neutral sentiment. Professional review recommended.

Signal: HOLD ⏸️

Strength: 5/10

Sentiment: NEUTRAL

Time Horizon: MEDIUM_TERM

📌 Key Takeaways

OLPL made announcement: Change of Company Secretary
Automated analysis: HOLD signal detected
Signal strength: 5/10
This is basic analysis – manual review recommended
Professional CFA analysis unavailable

🎯 Investment Thesis

Basic HOLD indication for OLPL. Manual verification required.

View Original PDF

Disclaimer: AI-generated analysis. Not financial advice.

Written by: FoxLogica News Analysis

Published on: October 7, 2025

announcements OLPL Signal: HOLD

⏸️ OLPL: HOLD Signal (5/10) – Resignation of Director

⚡ Flash Summary

OLP Financial Services Pakistan Limited (OLPL) has announced the resignation of Ms. Keiko Watanabe from her position as Director, effective October 6, 2025. The Board of Directors has already approved the resignation. The company plans to fill the resulting vacancy in due course. The appointment of a new director is subject to the approval of the Securities and Exchange Commission of Pakistan (SECP).

Signal: HOLD ⏸️

Strength: 5/10

Sentiment: NEUTRAL

Time Horizon: MEDIUM_TERM

📌 Key Takeaways

📅 Effective Date: Ms. Keiko Watanabe’s resignation is effective as of October 6, 2025.
💼 Director Resignation: Ms. Watanabe has resigned from her position as a Director of OLP Financial Services Pakistan Limited.
✅ Board Approval: The Board of Directors has approved Ms. Watanabe’s resignation.
🕳️ Vacancy: The resignation creates a vacancy on the Board.
⏳ Filling the Vacancy: OLPL intends to fill the vacancy in due course.
🏛️ Regulatory Approval: The appointment of a new director is subject to approval from the SECP.
🇵🇰 Regulatory Body: The SECP oversees the appointment process.
✉️ Notification: The Pakistan Stock Exchange has been informed of the resignation.
📜 TRE Holders: TRE Certificate Holders of the Exchange will be notified.
🏢 Company Secretary: Salman Ali, the Company Secretary, is responsible for the notification.
📍 Location: The SECP is located in Islamabad.
🌐 Company: OLP Financial Services Pakistan Limited is based in Karachi.

🎯 Investment Thesis

HOLD. The resignation of a director is not a fundamental change in the company’s operations. There is no reason to change the investment recommendation based on this news alone. No price target is specified due to the lack of financial implications from this announcement. The time horizon remains unchanged.

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Disclaimer: AI-generated analysis. Not financial advice.

Written by: FoxLogica News Analysis

Published on: October 7, 2025

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