Bank AL Habib Ratios and Metrics

Market cap in millions PKR. Fiscal year is January - December.

Millions PKR. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jan '26 Jan 29, 2026	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Market Capitalization	217,273	146,075	89,514	61,440	76,699	77,355
Market Cap Growth	45.81%	63.19%	45.70%	-19.90%	-0.85%	-8.61%
Last Close Price	195.49	117.79	61.35	31.33	35.50	33.52
PE Ratio	6.36	3.49	2.49	3.68	4.13	4.31
PS Ratio	1.28	0.86	0.62	0.71	1.10	1.22
PB Ratio	1.27	0.94	0.68	0.64	0.85	0.96
P/FCF Ratio	-	1.00	4.25	0.91	-	-
P/OCF Ratio	-	0.91	3.08	0.80	-	-
Debt / Equity Ratio	2.74	4.67	4.09	4.90	3.68	2.96
Debt / FCF Ratio	-	4.94	25.39	6.93	-	-
Return on Equity (ROE)	21.09%	29.32%	31.72%	17.93%	21.77%	25.22%
Return on Assets (ROA)	1.08%	1.38%	1.43%	0.81%	1.10%	1.27%
Earnings Yield	15.72%	28.68%	40.14%	27.16%	24.23%	23.20%
FCF Yield	-104.57%	100.47%	23.55%	110.14%	-181.90%	-13.07%
Dividend Yield	8.67%	14.43%	22.82%	22.35%	19.72%	13.42%
Payout Ratio	55.31%	40.59%	48.69%	46.10%	26.53%	21.40%
Total Shareholder Return	8.67%	14.43%	22.82%	22.35%	19.72%	13.42%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.