Bank AL Habib Limited (PSX:BAHL)
Pakistan · Delayed Price · Currency is PKR 154.65
+2.70 (1.78%)
At close: Oct 29, 2026
Bank AL Habib Financials Overview
Financials in millions PKR. Fiscal year is January - December.
Millions PKR. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Revenue Revenue Growth | 169,080 | 165,201 | 170,356 | 144,348 | 86,019 | 69,655 |
Revenue Growth | -0.16% | -3.03% | 18.02% | 67.81% | 23.49% | 9.44% |
Net Income Net Income Growth | 29,941 | 32,443 | 41,902 | 35,928 | 16,688 | 18,583 |
Earnings Per Share EPS Growth | 26.94 | 29.19 | 37.70 | 32.33 | 15.01 | 16.72 |
EPS Growth | -12.35% | -22.57% | 16.63% | 115.29% | -10.20% | 3.54% |
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
| Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Islamic Banking Islamic Banking Growth | 51,679 | 63,622 | 49,040 | - | - |
Retail Banking Retail Banking Growth | 138,341 | 163,309 | 144,006 | 86,332 | 49,016 |
Asset Management Asset Management Growth | 2,920 | 2,716 | 724.52 | 316.09 | 178.18 |
Currency Exchange Currency Exchange Growth | 517.7 | 293.86 | - | - | - |
Retail Brokerage Retail Brokerage Growth | 374.07 | 319.92 | 201.59 | 181.08 | 192.66 |
Inter Segment Revenue - Net Inter Segment Revenue - Net Growth | -92,616 | -130,969 | -81,015 | -54,072 | -27,930 |
Commercial Banking Commercial Banking Growth | 268,172 | 407,693 | 285,284 | 189,734 | 109,781 |
Total Total Growth | 369,388 | 506,985 | 398,241 | 222,491 | 131,238 |
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash & Investments Cash & Investments Growth | 219,224 | 83,130 | 77,380 | 52,245 | 62,519 | 77,971 |
Total Debt Total Debt Growth | 555,112 | 341,870 | 724,325 | 535,221 | 468,882 | 332,554 |
Net Cash (Debt) Net Cash Growth | -335,888 | -258,740 | -646,945 | -482,976 | -406,363 | -254,583 |
Net Cash Growth | - | - | - | - | - | - |
Net Cash Per Share Net Cash Per Share Growth | -302.22 | -232.80 | -582.09 | -434.56 | -365.62 | -229.06 |
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Operating Cash Flow Operating Cash Flow Growth | 177,067 | -211,480 | 160,799 | 29,066 | 76,761 | -125,442 |
Capital Expenditures CapEx Growth | -12,569 | -14,400 | -14,044 | -7,990 | -9,094 | -14,078 |
Free Cash Flow Free Cash Flow Growth | 164,498 | -225,880 | 146,755 | 21,077 | 67,667 | -139,520 |
Free Cash Flow Growth | - | - | 596.29% | -68.85% | - | - |
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Profit Margin | 17.71% | 19.64% | 24.60% | 24.89% | 19.40% | 26.68% |
FCF Margin | 97.29% | -136.73% | 86.15% | 14.60% | 78.66% | -200.30% |
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Oct '26 Oct 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Dividend Per Share Dividend Per Share Growth | 15.000 | 15.000 | 17.000 | 14.000 | 7.000 | 7.000 |
Dividend Per Share Growth | -11.76% | -11.77% | 21.43% | 100.00% | 0% | 55.56% |
Dividend Yield | 9.70% | 8.04% | 12.93% | 17.38% | 12.66% | 10.14% |
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Oct '26 Oct 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
PE Ratio | 5.74 | 6.39 | 3.49 | 2.49 | 3.68 | 4.13 |
Forward PE | 4.85 | 5.93 | 3.50 | 2.60 | 2.60 | 3.86 |
P/FCF Ratio | 1.04 | - | 1.00 | 4.25 | 0.91 | - |
PS Ratio | 1.02 | 1.26 | 0.86 | 0.62 | 0.71 | 1.10 |