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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	May '26 May 1, 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
Market Capitalization	186,308	207,436	146,075	89,514	61,440	76,699
Market Cap Growth	18.89%	42.01%	63.19%	45.70%	-19.90%	-0.85%
Last Close Price	167.63	177.59	112.08	58.38	29.81	33.78
PE Ratio	6.43	6.39	3.49	2.49	3.68	4.13
PS Ratio	1.15	1.26	0.86	0.62	0.71	1.10
PB Ratio	1.15	1.18	0.94	0.68	0.64	0.85
P/FCF Ratio	-	-	1.00	4.25	0.91	-
P/OCF Ratio	-	-	0.91	3.08	0.80	-
Debt / Equity Ratio	3.13	1.94	4.67	4.09	4.90	3.68
Debt / FCF Ratio	-	-	4.94	25.39	6.93	-
Net Debt / Equity Ratio	1.92	1.47	4.17	3.69	4.24	2.82
Net Debt / FCF Ratio	-2.98	-1.14	4.41	22.92	6.01	-1.82
Return on Equity (ROE)	18.23%	19.59%	29.32%	31.72%	17.93%	21.77%
Return on Assets (ROA)	0.82%	0.98%	1.38%	1.43%	0.81%	1.10%
Earnings Yield	15.56%	15.64%	28.68%	40.14%	27.16%	24.23%
FCF Yield	-55.80%	-108.89%	100.47%	23.55%	110.14%	-181.90%
Dividend Yield	8.95%	8.45%	15.17%	23.98%	23.48%	20.72%
Payout Ratio	56.65%	57.53%	40.59%	48.69%	46.10%	26.53%
Total Shareholder Return	8.79%	8.45%	15.17%	23.98%	23.48%	20.72%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.