Adeel Afzal
@adeelafzal06.bsky.social
True wealth isn’t flashy—it’s freedom. Control over your time > any luxury. Money's greatest value? Buying independence to live life on your terms. Start with savings, prioritize autonomy, and watch happiness grow.
Markets are obsessed with short-term results, but true wealth is built over years, not quarters.
While others chase quick gains, focus on strategies that compound over time. The best opportunities exist for those who think long-term and stay patient.
While others chase quick gains, focus on strategies that compound over time. The best opportunities exist for those who think long-term and stay patient.
February 11, 2025 at 9:46 PM
Markets are obsessed with short-term results, but true wealth is built over years, not quarters.
While others chase quick gains, focus on strategies that compound over time. The best opportunities exist for those who think long-term and stay patient.
While others chase quick gains, focus on strategies that compound over time. The best opportunities exist for those who think long-term and stay patient.
Citi Pharma Ltd
skyrockets 188% in 7 months, jumping from PKR 28.5 (Jun '24) to PKR 82.05 today!
Key drivers:
stellar FY24 results, API expansion, and strategic partnerships. Strong volumes signal robust investor confidence. Is this just the beginning? 🏭📈
skyrockets 188% in 7 months, jumping from PKR 28.5 (Jun '24) to PKR 82.05 today!
Key drivers:
stellar FY24 results, API expansion, and strategic partnerships. Strong volumes signal robust investor confidence. Is this just the beginning? 🏭📈
January 20, 2025 at 5:23 AM
Citi Pharma Ltd
skyrockets 188% in 7 months, jumping from PKR 28.5 (Jun '24) to PKR 82.05 today!
Key drivers:
stellar FY24 results, API expansion, and strategic partnerships. Strong volumes signal robust investor confidence. Is this just the beginning? 🏭📈
skyrockets 188% in 7 months, jumping from PKR 28.5 (Jun '24) to PKR 82.05 today!
Key drivers:
stellar FY24 results, API expansion, and strategic partnerships. Strong volumes signal robust investor confidence. Is this just the beginning? 🏭📈
Petrol price in Pakistan increased by Rs. 3.47/litre, effective January 16, 2025, now at Rs. 256.13/litre.
Key details:
Previous hike: Re. 0.56, price was Rs. 252.66/litre.
Diesel price now Rs. 261.31/litre (up Rs. 2.96).
Govt cites global oil prices. Inflation fears rise. #PetrolPrice #Pakistan
Key details:
Previous hike: Re. 0.56, price was Rs. 252.66/litre.
Diesel price now Rs. 261.31/litre (up Rs. 2.96).
Govt cites global oil prices. Inflation fears rise. #PetrolPrice #Pakistan
January 15, 2025 at 10:06 PM
Petrol price in Pakistan increased by Rs. 3.47/litre, effective January 16, 2025, now at Rs. 256.13/litre.
Key details:
Previous hike: Re. 0.56, price was Rs. 252.66/litre.
Diesel price now Rs. 261.31/litre (up Rs. 2.96).
Govt cites global oil prices. Inflation fears rise. #PetrolPrice #Pakistan
Key details:
Previous hike: Re. 0.56, price was Rs. 252.66/litre.
Diesel price now Rs. 261.31/litre (up Rs. 2.96).
Govt cites global oil prices. Inflation fears rise. #PetrolPrice #Pakistan
#EngroHoldings Update
Ex-price & opening price for DH Partners Ltd calculated under the Scheme:
🔹 Ex-price (ENGRO Holding): PKR 216.29 (effective 06-Jan-2025)
🔹 Opening price (DHPL): PKR 58.99
Details based on PSX notification dated Jan 3, 2025.
#PSX #DHPL
Ex-price & opening price for DH Partners Ltd calculated under the Scheme:
🔹 Ex-price (ENGRO Holding): PKR 216.29 (effective 06-Jan-2025)
🔹 Opening price (DHPL): PKR 58.99
Details based on PSX notification dated Jan 3, 2025.
#PSX #DHPL
January 6, 2025 at 9:23 AM
#EngroHoldings Update
Ex-price & opening price for DH Partners Ltd calculated under the Scheme:
🔹 Ex-price (ENGRO Holding): PKR 216.29 (effective 06-Jan-2025)
🔹 Opening price (DHPL): PKR 58.99
Details based on PSX notification dated Jan 3, 2025.
#PSX #DHPL
Ex-price & opening price for DH Partners Ltd calculated under the Scheme:
🔹 Ex-price (ENGRO Holding): PKR 216.29 (effective 06-Jan-2025)
🔹 Opening price (DHPL): PKR 58.99
Details based on PSX notification dated Jan 3, 2025.
#PSX #DHPL
🔔 Federal Cabinet Approves Sale of Reko Diq Stake
🇸🇦 Saudi Arabia acquires 15% stake for $450mn in 2 installments.
OGDCL & PPL (8.33% each)
Cost: $187mn
After-tax cash impact: $41-42mn
GHPL leads with 25% stake
Buy stance on OGDCL & PPL (FY25E P/E: 5.4x).
#RekoDiq #OGDCL #PPL #PakistanEconomy
🇸🇦 Saudi Arabia acquires 15% stake for $450mn in 2 installments.
OGDCL & PPL (8.33% each)
Cost: $187mn
After-tax cash impact: $41-42mn
GHPL leads with 25% stake
Buy stance on OGDCL & PPL (FY25E P/E: 5.4x).
#RekoDiq #OGDCL #PPL #PakistanEconomy
December 31, 2024 at 10:32 AM
🔔 Federal Cabinet Approves Sale of Reko Diq Stake
🇸🇦 Saudi Arabia acquires 15% stake for $450mn in 2 installments.
OGDCL & PPL (8.33% each)
Cost: $187mn
After-tax cash impact: $41-42mn
GHPL leads with 25% stake
Buy stance on OGDCL & PPL (FY25E P/E: 5.4x).
#RekoDiq #OGDCL #PPL #PakistanEconomy
🇸🇦 Saudi Arabia acquires 15% stake for $450mn in 2 installments.
OGDCL & PPL (8.33% each)
Cost: $187mn
After-tax cash impact: $41-42mn
GHPL leads with 25% stake
Buy stance on OGDCL & PPL (FY25E P/E: 5.4x).
#RekoDiq #OGDCL #PPL #PakistanEconomy
Dolmen City REIT (DCR) is redefining Pakistan's REIT sector! 🌟 Transitioned over 50% of tenants to a revenue-linked rental model, tying growth to tenants’ performance.
FY24 footfall: 📈 723k/month (+2%)
NAV: Rs32.41/unit, trades at a 36% discount
Dividend yield: ~10%
#REITs #RealEstate
FY24 footfall: 📈 723k/month (+2%)
NAV: Rs32.41/unit, trades at a 36% discount
Dividend yield: ~10%
#REITs #RealEstate
December 30, 2024 at 1:18 PM
Dolmen City REIT (DCR) is redefining Pakistan's REIT sector! 🌟 Transitioned over 50% of tenants to a revenue-linked rental model, tying growth to tenants’ performance.
FY24 footfall: 📈 723k/month (+2%)
NAV: Rs32.41/unit, trades at a 36% discount
Dividend yield: ~10%
#REITs #RealEstate
FY24 footfall: 📈 723k/month (+2%)
NAV: Rs32.41/unit, trades at a 36% discount
Dividend yield: ~10%
#REITs #RealEstate
Engro Corporation announces book closure for the implementation of the Scheme of Arrangement with DH Corp. Share transfer books closed from Jan 8-14, 2025. Key swap ratio: 2.24407865 DH Corp shares per Engro share. Details below! #CorporateNews
December 27, 2024 at 12:41 PM
Engro Corporation announces book closure for the implementation of the Scheme of Arrangement with DH Corp. Share transfer books closed from Jan 8-14, 2025. Key swap ratio: 2.24407865 DH Corp shares per Engro share. Details below! #CorporateNews
Historic plunge for PSX 📉 | KSE-100 drops 3,790 points (-3.3% DoD) on Dec 18, '24—the largest single-day decline in its history.
December 18, 2024 at 11:58 AM
Historic plunge for PSX 📉 | KSE-100 drops 3,790 points (-3.3% DoD) on Dec 18, '24—the largest single-day decline in its history.
An investment philosophy is a coherent way of understanding markets and their inefficiencies, guiding how we navigate them. Strategies evolve, but core beliefs endure. A robust philosophy is the compass for crafting new paths when old strategies fail. #InvestingWisdom #AswathDamodaran
December 14, 2024 at 8:10 PM
An investment philosophy is a coherent way of understanding markets and their inefficiencies, guiding how we navigate them. Strategies evolve, but core beliefs endure. A robust philosophy is the compass for crafting new paths when old strategies fail. #InvestingWisdom #AswathDamodaran
KSE-100 Top 20 Index Contributors (CYTD): FFC dominates with 5,669 points, followed by MARI (3,479) & UBL (3,458). Fertilizer, banking, and oil & gas sectors lead, while tech (SYS) shows growth potential. Diversified performance amidst economic headwinds. #PakistanStocks #KSE100
December 11, 2024 at 7:11 PM
KSE-100 Top 20 Index Contributors (CYTD): FFC dominates with 5,669 points, followed by MARI (3,479) & UBL (3,458). Fertilizer, banking, and oil & gas sectors lead, while tech (SYS) shows growth potential. Diversified performance amidst economic headwinds. #PakistanStocks #KSE100
Success in investing isn't just about smarts; it's about staying calm in crises. Prepare mentally & financially.
Cash = opportunities when others panic.
Avoid debt and wipeouts.
#InvestingWisdom #PeterLynch
Cash = opportunities when others panic.
Avoid debt and wipeouts.
#InvestingWisdom #PeterLynch
December 11, 2024 at 4:34 AM
Success in investing isn't just about smarts; it's about staying calm in crises. Prepare mentally & financially.
Cash = opportunities when others panic.
Avoid debt and wipeouts.
#InvestingWisdom #PeterLynch
Cash = opportunities when others panic.
Avoid debt and wipeouts.
#InvestingWisdom #PeterLynch
Smart investing:
Diversify for stability & growth
Do your research, always
Manage risks, review often
Monitor trends, stay informed
Be adaptable to change
Commit to the long game
Patience pays in the market! #Investing #WealthBuilding
Diversify for stability & growth
Do your research, always
Manage risks, review often
Monitor trends, stay informed
Be adaptable to change
Commit to the long game
Patience pays in the market! #Investing #WealthBuilding
December 8, 2024 at 10:34 AM
Smart investing:
Diversify for stability & growth
Do your research, always
Manage risks, review often
Monitor trends, stay informed
Be adaptable to change
Commit to the long game
Patience pays in the market! #Investing #WealthBuilding
Diversify for stability & growth
Do your research, always
Manage risks, review often
Monitor trends, stay informed
Be adaptable to change
Commit to the long game
Patience pays in the market! #Investing #WealthBuilding
Historic Day at PSX! 🚀
The KSE-100 Index SMASHES through the 109,000 mark for the first time EVER, closing at 109,054 after a massive 815-point gain (0.75%)! 📈
🔥 Bulls are in control as investor confidence soars with rate cut hopes & economic stability fueling the rally! #Pakistan #PSX #KSE100
The KSE-100 Index SMASHES through the 109,000 mark for the first time EVER, closing at 109,054 after a massive 815-point gain (0.75%)! 📈
🔥 Bulls are in control as investor confidence soars with rate cut hopes & economic stability fueling the rally! #Pakistan #PSX #KSE100
December 6, 2024 at 8:50 PM
Daily volatility can be distracting, but long-term growth is what really matters. Patience and perspective are key to successful investing. #Investing #LongTermThinking
December 6, 2024 at 1:36 AM
Daily volatility can be distracting, but long-term growth is what really matters. Patience and perspective are key to successful investing. #Investing #LongTermThinking
IBL HealthCare Ltd. (IBLHL) FY24 highlights:
Revenue down 11% YoY to PKR 3.6bn (supply chain issues).
PAT nosedived to PKR 7.6mn (EPS: PKR 0.09) vs. PKR 309mn last year.
Margins shrank to 26.4% (FY23: 33.2%), but recovery to 31% seen in 1QFY25.
#IBLHL
Revenue down 11% YoY to PKR 3.6bn (supply chain issues).
PAT nosedived to PKR 7.6mn (EPS: PKR 0.09) vs. PKR 309mn last year.
Margins shrank to 26.4% (FY23: 33.2%), but recovery to 31% seen in 1QFY25.
#IBLHL
November 26, 2024 at 6:17 PM
IBL HealthCare Ltd. (IBLHL) FY24 highlights:
Revenue down 11% YoY to PKR 3.6bn (supply chain issues).
PAT nosedived to PKR 7.6mn (EPS: PKR 0.09) vs. PKR 309mn last year.
Margins shrank to 26.4% (FY23: 33.2%), but recovery to 31% seen in 1QFY25.
#IBLHL
Revenue down 11% YoY to PKR 3.6bn (supply chain issues).
PAT nosedived to PKR 7.6mn (EPS: PKR 0.09) vs. PKR 309mn last year.
Margins shrank to 26.4% (FY23: 33.2%), but recovery to 31% seen in 1QFY25.
#IBLHL
SBP Updates Profit-Sharing Framework for IBIs 🚨
From Jan 1, 2025:
✅ IBIs must pay 75% of gross yield on saving deposits (excl. FIs, PSEs & PLCs).
⚠️ Negative impact on Meezan Bank (MEBL): CY25/CY26 profits could drop 13%/8%.
📉 MDR Changes: Favorable for NBP, BOP, & ABL with reduced funding costs.
From Jan 1, 2025:
✅ IBIs must pay 75% of gross yield on saving deposits (excl. FIs, PSEs & PLCs).
⚠️ Negative impact on Meezan Bank (MEBL): CY25/CY26 profits could drop 13%/8%.
📉 MDR Changes: Favorable for NBP, BOP, & ABL with reduced funding costs.
November 26, 2024 at 1:09 PM
SBP Updates Profit-Sharing Framework for IBIs 🚨
From Jan 1, 2025:
✅ IBIs must pay 75% of gross yield on saving deposits (excl. FIs, PSEs & PLCs).
⚠️ Negative impact on Meezan Bank (MEBL): CY25/CY26 profits could drop 13%/8%.
📉 MDR Changes: Favorable for NBP, BOP, & ABL with reduced funding costs.
From Jan 1, 2025:
✅ IBIs must pay 75% of gross yield on saving deposits (excl. FIs, PSEs & PLCs).
⚠️ Negative impact on Meezan Bank (MEBL): CY25/CY26 profits could drop 13%/8%.
📉 MDR Changes: Favorable for NBP, BOP, & ABL with reduced funding costs.
Don't Trust Your Analyst
Leslie Gould, a famed 1920s market watcher, claimed he foresaw the 1929 crash. When asked why his columns stayed bullish, he quipped:
"If I said, 'Sell everything and go fishing' on Monday, what could I write on Tuesday?"
Always question the motives behind advice. #Invest
Leslie Gould, a famed 1920s market watcher, claimed he foresaw the 1929 crash. When asked why his columns stayed bullish, he quipped:
"If I said, 'Sell everything and go fishing' on Monday, what could I write on Tuesday?"
Always question the motives behind advice. #Invest
November 24, 2024 at 1:33 PM
Don't Trust Your Analyst
Leslie Gould, a famed 1920s market watcher, claimed he foresaw the 1929 crash. When asked why his columns stayed bullish, he quipped:
"If I said, 'Sell everything and go fishing' on Monday, what could I write on Tuesday?"
Always question the motives behind advice. #Invest
Leslie Gould, a famed 1920s market watcher, claimed he foresaw the 1929 crash. When asked why his columns stayed bullish, he quipped:
"If I said, 'Sell everything and go fishing' on Monday, what could I write on Tuesday?"
Always question the motives behind advice. #Invest
🛢️ Hi-Tech Lubricants Limited (HTL) is a leading player in Pakistan’s lubricant industry, with over two decades of experience. A strategic partnership with SK Enmove Co. Ltd., South Korea, drives its advanced technological edge and diverse product portfolio. Here’s how #HTL is gearing for growth: 👇
November 22, 2024 at 4:59 PM
🛢️ Hi-Tech Lubricants Limited (HTL) is a leading player in Pakistan’s lubricant industry, with over two decades of experience. A strategic partnership with SK Enmove Co. Ltd., South Korea, drives its advanced technological edge and diverse product portfolio. Here’s how #HTL is gearing for growth: 👇
1/ 🌾 Contract farming in Pakistan is driving agri-transformation under #CPEC 2.0! From red chilies to sesame seeds, farmers are reaping benefits through tech access, stable incomes & export growth. A game-changer for rural uplift & food security. 🚜🇵🇰
November 21, 2024 at 9:47 PM
1/ 🌾 Contract farming in Pakistan is driving agri-transformation under #CPEC 2.0! From red chilies to sesame seeds, farmers are reaping benefits through tech access, stable incomes & export growth. A game-changer for rural uplift & food security. 🚜🇵🇰
Fauji Fertilizer Co. (FFC), today's 10% surge to PKR 325.80 is another milestone in its stellar growth story. With over 200% returns in the past year, FFC proves its resilience. 📈 #FFC #Investing #PSX
November 21, 2024 at 12:24 PM
Fauji Fertilizer Co. (FFC), today's 10% surge to PKR 325.80 is another milestone in its stellar growth story. With over 200% returns in the past year, FFC proves its resilience. 📈 #FFC #Investing #PSX
سرمایہ کاری کا فلسفہ آپ کا مارکیٹ میں رہنما ہے — یہ ایک مربوط سوچ ہے کہ مارکیٹ کیسے کام کرتی ہے، آپ کون سی کمزوریوں سے فائدہ اٹھا سکتے ہیں، اور دیگر سرمایہ کاروں کی کون سی غلطیاں عام ہیں۔ شور اور غیر یقینی صورتحال میں ثابت قدم رہیں، اور اپنے فلسفے کو رہنما بنائیں۔ #سرمایہ_کاری #فلسفہ
November 20, 2024 at 8:30 PM
سرمایہ کاری کا فلسفہ آپ کا مارکیٹ میں رہنما ہے — یہ ایک مربوط سوچ ہے کہ مارکیٹ کیسے کام کرتی ہے، آپ کون سی کمزوریوں سے فائدہ اٹھا سکتے ہیں، اور دیگر سرمایہ کاروں کی کون سی غلطیاں عام ہیں۔ شور اور غیر یقینی صورتحال میں ثابت قدم رہیں، اور اپنے فلسفے کو رہنما بنائیں۔ #سرمایہ_کاری #فلسفہ
Urea sales dropped 22% YoY in Oct'24 amid weak farmer income, while DAP sales surged 95% driven by the Rabi season. Inventory climbs to a 3-year high, but an easing trend is expected as the season progresses. #FFC & #FATIMA stay resilient with lower gas prices. #FertilizerSector #Pakistan #EFERT
November 19, 2024 at 1:13 AM
Urea sales dropped 22% YoY in Oct'24 amid weak farmer income, while DAP sales surged 95% driven by the Rabi season. Inventory climbs to a 3-year high, but an easing trend is expected as the season progresses. #FFC & #FATIMA stay resilient with lower gas prices. #FertilizerSector #Pakistan #EFERT
Want to build wealth? Focus on buying assets that put money in your pocket, not liabilities that drain it. Financial literacy—knowing how money works—is key to lasting success. Invest in your financial education, and watch your wealth grow. 💰 #FinancialLiteracy #WealthBuilding
November 18, 2024 at 8:29 PM
Want to build wealth? Focus on buying assets that put money in your pocket, not liabilities that drain it. Financial literacy—knowing how money works—is key to lasting success. Invest in your financial education, and watch your wealth grow. 💰 #FinancialLiteracy #WealthBuilding
Opinions are free, but they don't define your journey. Ignore the noise and keep moving. #SelfConfidence #Motivation
November 18, 2024 at 12:16 PM
Opinions are free, but they don't define your journey. Ignore the noise and keep moving. #SelfConfidence #Motivation