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Sarmaaya Partners with Islamabad United as Financial Literacy Partner | PSL 2025
Sarmaaya Financials joins hands with Islamabad United as their Financial literacy Partner to empower Pakistan through cricket.
How do you choose the best-performing stocks?
We know that talking just about investment approaches won’t make you money. So, we thought to present our growth stock picking framework to you – a set of guidelines that we follow to screen good stocks from the bad ones, eventually leading to finding the best growth stocks!
How to Subscribe E-IPO?
The e-IPO service is an internet application service provided by the SDC to allow investors to subscribe in Public Offerings through filling subscription forms electronically and printing them.
Dewan Cement Limited Report for Fiscal Year 2023
This report offers a detailed snapshot of the macroeconomic conditions, industry and company highlights of Dewan Cement Limited (DCL)
Atlas Battery Limited Report for Fiscal Year 2023
This report offers a detailed snapshot of the macroeconomic conditions, industry and company highlights of ATBA
Synthetic Products Enterprises Limited Report for Fiscal Year 2023
This report offers a detailed snapshot of the macroeconomic conditions, industry and company highlights of Synthetic Products Enterprises Limited (SPEL).
Power Cement Limited Report for Fiscal Year 2023
This report offers a detailed snapshot of the macroeconomic conditions, industry and company highlights of Power Cement Limited (POWER).
Gandhara Industries Limited Report for Fiscal Year 2023
This report offers a detailed snapshot of the macroeconomic conditions, industry and company highlights of Gandhara Industries Limited (GHNI).
Pakistan Cables Limited Report for Fiscal Year 2023
This report offers a detailed snapshot of the macroeconomic conditions, industry and company highlights of Pakistan Cables Limited (PCAL)
Ittefaq Iron Industries Limited Analysis Report for Fiscal Year 2023
This report offers a detailed snapshot of the macroeconomic conditions, industry and company highlights of Ittefaq Iron Industries
Sarmaaya Khelo Investment World Cup 2023: Winners Announced!
Sarmaaya Khelo, an investment competition hosted by Sarmaaya Financials, has concluded, and we have our winners!
All About Khelo! Sarmaaya Investment World Cup 2023
Prepare for an exhilarating experience as we celebrate the ICC Cricket World Cup 2023 with a unique blend of cricket and investment. It's a new fantasy cricket league that combines your passion for cricket with smart investments. Let's learn more about the Sarmaaya Investment World Cup 2023.
Systems Limited Analysis for Fiscal Year 2022
This report offers a detailed snapshot of the macroeconomic conditions, industry and company highlights of Systems Limited (SYS).
Hascol Petroleum Ltd Analysis for Fiscal Year 2022
This report offers a detailed snapshot of the macroeconomic conditions, industry and company highlights of Hascol.
Interloop Analysis for Fiscal Year 2022
This report offers a detailed snapshot of the macroeconomic conditions, industry and company highlights of Interloop.
Honda Atlas Cars (Pakistan) Limited (HCAR) Analysis for Fiscal Year 2022
A detailed overview of macroeconomic conditions, industry and company highlights of HCAR that will help anticipate its investment worthiness in short and long term.
K-Electric (KEL) Analysis for Fiscal Year 2022
This report offers a detailed snapshot of the macroeconomic conditions, industry and company highlights of K-Electric.
How to invest in mutual funds in Pakistan
Investing is better than savings! And to put your capital in safe investments learn how to open a mutual funds account in Pakistan online
A Complete Guide to Opening an Investor Account on Pakistan Stock Exchange
Looking to become an investor, here’s our comprehensive guide on how to open an account on Pakistan Stock Exchange (PSX)
Everything you need to know about the Pakistan Budget FY 2023-24
The Pakistan Budget FY 2023-2024 is undoubtedly one of the most formidable challenges for the government amidst uncertainty related to IMF program and political turmoil. Let's find out more about tthe budget
The New Dawn for Pakistan: IMF Pakistan Bailout 2023 Ushers Financial Relief
The IMF and Pakistan have finally reached a Staff Level Agreement after months of delays and strict measures. Find out more about it in our article
The road to profit for a beginner with no experience: A journey to success with Technical Analysis Masterclass
Have you ever wondered how to decipher complex market trends and make an accurate trade call? Look no further! Join me as I take you on an exhilarating journey through the Technical Analysis Masterclass 2.0 course by the renowned expert, Syed Muhammad Faraz. In this post, I'll share my personal experience and my journey throughout the course. Let's start with a brief overview of the course.
Stock Buybacks: Understanding why companies buyback shares
Companies buyback shares to improve their undervalued stocks in the long term. Let's find out more about the concept, the process and popular buybacks in Pakistan.
Comprehensive Guide to Mutual Funds in Pakistan
Explore mutual funds in Pakistan with our insightful blog. Learn about the benefits, risk management and other factors that make mutual funds a viable investment option.
Understanding the concept of inflation, its causes and effects
Inflation measures the rate at which the price level of an average basket of goods and services increase over a period of time in an economy...
What is Personal Net Worth and how to calculate it
Explore the components of personal net worth and discover how this key metric can help you make better financial decisions in the long run.
KSE-100 Index Profitability Jumps 12.7% in 2023 Despite the Economic Headwinds
The PSX have come out resilient amidst the political and economic chaos and delivered good returns for investments. Lets look at the first nine-month results and find out which sectors performed well.
Inflation in Pakistan: Effects of Soaring Food Cost for Households
Inflation in Pakistan has put a hefty strain on household budgets. Lets look at the current inflation rate, its effects and how much has consumer spending reduced due to inflation.
Accelerated inflation in Pakistan with CPI peak at 31.55%
Due to the economic and political volatility, the CPI index in Pakistan has increased to its peak, let's find out more about the hike in Pakistan’s CPI
Pakistan Central Bank hikes policy rate by 300 bps to 20%
Pakistan’s economic turmoil worsens due to the new interest rate hike in the country. Learn more about the new interest rate, and its factors in this article.
Debt Re-Payment Woes Continue as Moody’s Slash Pakistan’s Credit Rating
Moody’s has slashed Pakistan’s credit rating amid the political instability and the swiftly reducing foreign exchange reserves, let's explore the rationale behind the negative score
How to Generate Passive Income through Stocks and Mutual Funds
Imagine a life where you are free from financial obligations, where money flows into your bank account without having to put in 8 to 9 hours of work. While all this sounds too good to be true, it's all possible with passive income. Let's find out more about the various ways to have passive income in Pakistan and how to have a secure future with steady cash inflows.
Rising Inflation in Pakistan: Challenges and Opportunities for Investment
Pakistan is going through challenging times in terms of economic crisis further fueled by consistent economic instability. While the average inflation rate soared to a 50-year high with a chance of further increase, it's the ideal time to think about safeguarding your future investment in Pakistan but first, let's learn more about what inflation is and how it affects a country.
Pakistan Tobacco Company Analysis
Pakistan Tobacco Company Limited (PTC) was the first multinational to be incorporated in Pakistan, right after the partition of the Subcontinent in 1947.
Fund Manager Review on Economy - July 2022
During the month of July-22, the benchmark KSE-100 index fell by around 1,390 points, translating into a negative monthly return of 3.3%
Fund Manager Review on Economy - June 2022
The benchmark KSE-100 index lost 1,537 points during the month, correcting by 3.6% MoM.
Fund Manager Review on Economy - May 2022
The benchmark KSE-100 index fell by roughly 4.8% month on month to 43,078 points for the month of May-22.
Fund Manager Review on Economy - April 2022
The economy is currently confronting historic fiscal and external account pressures. The government must immediately reduce retail fuel subsidies, refinance maturing external debt, and build additional external buffers.
Fund Manager Review on Economy - March 2022
At present, the economy is facing unprecedented uncertainty. The ongoing Ukraine-Russia conflict has resulted in a substantial increase in global commodity prices adversely affecting a net commodity importer country like Pakistan.
Mughal Iron & Steel Company Analysis
Mughal Iron & Steel Industries Limited (“Mughal Steel”) was incorporated in 2010 as a public limited company.
Ceous Solutions Information Memorandum: -
Coeus Pakistan is a technology company incorporated in 2013 in Lahore and founded by two LUMS graduates, Mr Ali Naqi Shaheen and Mr Ahsan Naseem.
Top 5 value investing books that you should definitely read.
Value investing is the investment tactic where stocks that have been undervalued in the market are chosen by investors. You can be successful in value investing regardless of your financial income and educational background.
Mini Budget FY22
The Bill is aimed at a two-fold agenda; first, to increase the tax base of the Government in order to manage the fiscal balance and second, to discourage imports in order to restrict the rising import bill and control the country’s widening current account deficit.
Universal Networks Systems Limited (BlueEx): -
UNS was incorporated in 2005 as a Domestic Cargo Consolidator and shifted its focus towards E-Commerce Logistics in 2011 with the first COD shipment conducted in Pakistan under the BlueEX Brand.
Fund manager review on economy in September 2021: -
According to National Investment Trust Limited, The benchmark index declined by 6.86% during the month of September, 2021.
Fund manager review on economy in August 2021: -
According to National Investment Trust Limited, In August 2021, benchmark index remained range-bounded during the month of August, 2021 and witnessed a gain of 1.81% MoM
MSCI Pakistan’s downgrade to Frontier Market: -
To fully understand what this entails, we must do in-depth analysis of all the aspects of this downgrading. The detailed description about all the details necessary to understand this movement is explained in the following article.
AirLink Communication IPO: -
Air Link Communication Limited, founded in 2011, is a leading distributor of mobile phones having a strong presence in Pakistan with service centers across the country.
Systems Limited(SYS) Company Overview: -
Systems Limited is a public limited company founded in Pakistan under the Companies Ordinance of 1984, which has since been abolished.
Octopus Digital IPO
Octopus Digital Limited (“Octopus” or the “Company” or the “Issuer”) was incorporated on 29th December, 2017 as a private limited company in Lahore, Pakistan. Octopus is a wholly owned subsidiary of Avanceon Limited.
Where Mutual Funds invested in December 2020?
Mutual Funds Managers are money managers who invest in stocks on behalf of all the investors. Money Manager is also known as Asset Management Company (AMC). They handle the funds, allocate the assets in a way that produces capital gains for the investors thus, providing them with an income. The value of a mutual fund company depends on the securities it decides to buy.
Pakistan State Oil(PSO) Company Overview: -
Pakistan State Oil Corporation Limited is a public company that was founded in 1976 in Pakistan.
Fund Manager Review on Economy in July 2021: -
Mutual funds aggregate money from investors and use it to purchase other securities, most commonly stocks and bonds.
Lucky Cement Limited(LUCK) Company Overview: -
Lucky Cement Limited (the Company) was founded on September 18, 1993, in Pakistan, under the Companies Ordinance of 1984. (now the Companies Act, 2017).
Nishat Mills Limited(NML) Company Overview: -
Nishat Mills Limited is a public limited company registered in Pakistan and listed on the Pakistan Stock Exchange Limited under the Companies Act, 1913 (now Companies Act, 2017).
BYCO Petroleum Pakistan Limited(BYCO) Company Overview: -
BYCO Petroleum Pakistan Limited (the Company) was established as a public limited company in Pakistan on January 9, 1995, under the Companies Ordinance, 1984, which has since been repealed.
Oil & Gas Development Company Limited(OGDC) Company Overview: -
The Oil and Gas Development Company Limited (OGDCL), often known as "the Company," was established on October 23, 1997, under the Companies Ordinance of 1984. (now the Companies Act, 2017).
Hascol Petroleum Limited(HASCOL) Company overview: -
On March 28, 2001, Hascol Petroleum Limited was established as a private limited company in Pakistan. The Company was transformed into a public unlisted company on September 12, 2007.
PSX Market Watch
The Karachi Stock Exchange, Lahore Stock Exchange, and Islamabad Stock Exchange merged to form the PSX (PAKISTAN STOCK EXCHANGE) on January 11, 2016. PSX had around 540 businesses listed in January 2021, with a total market capitalization of PKR 8,398,456,068 ($52 billion).
BYCO Petroleum Pakistan Limited (BYCO): -
BYCO Petroleum Pakistan Limited (the Company) was established as a public limited company in Pakistan on January 9, 1995, under the Companies Ordinance, 1984, which has since been repealed.
Stocks Comparison
In today’s world, Investors face many challenges when it comes to deciding where to invest. One of the biggest problems for the investors to invest is the sheer speed of information and data.
Equity to Assets Ratio
The Equity to Asset ratio is the measure of the equity that a company or a business has compared against the total assets owned by the company or the business.
PSX Widgets For Companies, Websites And Blogs
At sarmaaya, we are providing different companies and individuals a platform to boost participation in the stock market and increase investment opportunities. Widgets at sarmaaya.pk are ideal for websites, blogs, and forums that require a quick and free solution.
Fund Manager's View On Economic Outlook - June 2021
A mutual fund is a form of financial vehicle that invests in securities such as stocks, bonds, money market instruments, and other assets by pooling money from multiple investors.
FATF Current Report
The Financial Action Task Force (FATF) is the global money laundering and terrorist financing watchdog. The inter-governmental body sets international standards that aim to prevent these illegal activities and the harm they cause to society.
Peer Analysis
One of the most common methods of financial analysis include Peer Analysis. It is basically used by the investors to compare the stocks and this helps them in identifying the good candidates among the peers in a group.
Stock Screener
Stock screeners are tools that market participants use to sort shares based on user-defined criteria. Stock screeners are available on prominent trading platforms and websites for a subscription fee.
National Foods Limited
National Foods Limited was established as a private limited company in Pakistan on February 19, 1970, under the Companies Act, 1913, and later changed to a public limited company by the Companies Ordinance.
Treet Corporation Limited
Treet Corporation Limited is part of one of the oldest and largest business groups of Pakistan. It is the sole manufacturer of razor blades and disposable razors in the country
AGL, CRTM, GAIL, HCAR and TOMCL Technical Analysis
Technical Analysis of Agritech Limited, Ghani Automobile Industries Limited, Crescent Textile Mills, Honda Atlas Cars (Pakistan) Limited and The Organic Meat Company Limited
DFML, HUMNL and ETH Technical Analysis
Technical Analysis of Dewan Farooque Motors ,Hum Network Limited and Ethereum
Market Recap
Inflation signals have been heating up with consumer price inflation blowing past expectations and wages rising as labor demand rapidly outpaces supply.
Pakistan Aluminum Beverage Cans Limited
The first commercial beer available in cans began in 1935 in Richmond. Not long after that, sodas, with their higher acidity and somewhat higher pressures, were available in cans.
BTC, HCAR and FNEL Technical Analysis
Technical Analysis of bitcoin ,Honda Car and First National Equities Limited
How to Maximize Your Stock Market Gains Through Compounding
For long-term gains in the stock market, being patient is as important as starting early.
Fund Manager's View On Economic Outlook - May 2021
A mutual fund is a company that pools money from many investors and invests the money in securities such as stocks, bonds, and short-term debt. The combined holdings of the mutual fund are known as its portfolio.
BUDGET PAKISTAN 2021-2022
A budget is basically a financial plan for a defined period, normally a year that is known to greatly enhance the success of any financial undertaking.
Sarmaaya Alert :- How to Add Alerts in Sarmaaya App?
Sarmaaya App you can add stock alert ,mutual fund alerts,forex alerts of your assets which you want to sell or buy
What is Share price?
A share price is the price of a single share of several marketable stocks of a company, derivative, or another financial asset.
Zero-Sum Game
A zero-Sum game is a part of game theory and is a situation where one person’s gain is equal to another person’s loss, implying the net change of wealth or benefit to be equivalent to zero...
Free Float Stocks
Free float stocks are also known as ‘Public float’ and are the shares that a company can trade publicly in the secondary market...
5 Useful Tips To Save For The Future
Let’s face it. The majority of us salaried people live paycheck-to-paycheck. What this means is that after paying our rents and bills, and buying...
Net Asset Value (NAV)
Net Asset Value represents the net ‘value’ of any entity. In the context of mutual funds, NAV represents the share price per unit and is more commonly used to identify potential investment opportunities in mutual funds, ETFs or indexes...
Payout Ratio: Definition, Formula and Explanation
The payout ratio is alternatively known as the dividend payout ratio and shows the proportion of earnings that the company pays to its shareholders in the form of dividends...
Top 5 Reasons Why Most Stock Investments Fail
Money laying in cash only loses its value with time, because of inflation. If you stash it in a savings account, the profits could be of some help in keeping...
Liquidity
In financial terms, liquidity refers to how easily an asset can be converted into cash. Assets like property, equipment and plants are...
Price to Sales Ratio: Definition, Formula & Explanation
The price to sales ratio is also known as sales multiple or revenue multiple. It is used for the valuation of a company or organizations’ stock price to its revenues...
Net Profit Margin: Definition, Formula and Explanation
The Net Profit margin is a ratio between the company’s profits against its revenues and it calculates how much profit is generated as a percentage of a company’s revenue...
Return on Equity (ROE): Definition, Formula and Explanation
Return on equity measures how effectively a company uses its equity. In other words, ROE measures profits made for each dollar from...
Return on Assets (ROA): Definition and Formula
Return on Asset (ROA) is expressed as a percentage and it indicates how profitable the company is relative to the total assets that it owns...
Solvency: Definition, Understanding and Difference
Solvency is meeting financial obligations including long-term debt. A solvent company has more realizable assets than liabilities...
Price to Book Value: Definition, Formula & Explanation
P/B ratio compares the market value of the company (their market capitalization) to its book value which basically means that it is a comparison between the company’s..
Mutual Fund and Risk Profiling
A Mutual fund is a single portfolio where investors put their money in to be managed by an asset management company...
Price to Earning Ratio: Definition and Formula
The price earning ratio is one of the most widely used metrics in determining stock valuation. It describes how much is the cost of...
Stock Market Investment 101
By a simple definition, the stock market is a global network of exchange where large sums of money move on a daily basis...
Investing In Stocks: 6 Useful Tips Before You Begin Stock Investing
The goal is not only to secure your savings from constant devaluation, but also grow them over time. The good thing about investing is that there are numerous types of investment vehicles...
7 Ways To Invest Your Hard-Earned Money Smartly And Securely
Let us dare open with the infamous Warren Buffett quote: Do not save what is left after spending, but spend what is left after saving. Because if...
Dividends: Definition, Dates, Yield and Formula
Distribution of a company’s earnings to its shareholders as determined by the company’s board of directors is called a ‘dividend’. A dividend may be in the form of cash or in the form of stock...
Book Value: Definition and its Purposes
Book value tells you about the value of an asset as mentioned in the Balance sheet. This value is based on the original cost of the asset minus any impairment cost, depreciation and amortization...
Long Term Debt to Equity: Concept Definition, Formula & Explanation
Debt to equity ratio is a type of a gearing ratio and is used to evaluate a company’s financial leverage. It is calculated by dividing a company’s total liabilities with its total shareholder equity...