First Habib Modaraba Income Statement

Financials in millions PKR. Fiscal year is July - June.

Millions PKR. Fiscal year is Jul - Jun.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '25 Sep 30, 2025	Jun '25 Jun 30, 2025	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022	Jun '21 Jun 30, 2021
Interest and Dividend Income	4,660	4,972	5,191	3,435	1,563	926.23
Total Interest Expense	3,070	3,321	3,504	2,287	933.68	422.37
Net Interest Income	1,590	1,651	1,688	1,148	629.09	503.86
Revenue Before Loan Losses	1,590	1,651	1,688	1,148	629.09	503.86
Provision for Loan Losses	23.16	111.98	315.3	316.3	103.79	41.37
Revenue	1,567	1,539	1,372	832.14	525.3	462.48
Revenue Growth (YoY)	-29.98%	12.14%	64.93%	58.41%	13.58%	33.91%
Salaries & Employee Benefits	25.91	25.94	24.43	15.73	10.11	7.41
Cost of Services Provided	457.73	444.79	397.98	307.27	223.26	189.37
Other Operating Expenses	47.71	49.22	35.69	12.74	8.11	6.08
Total Operating Expenses	531.34	519.95	458.11	335.74	241.48	202.86
Operating Income	1,035	1,019	914.37	496.4	283.82	259.62
EBT Excluding Unusual Items	1,190	1,181	1,100	646.46	414.2	329.97
Gain (Loss) on Sale of Investments	53.95	62.47	80.34	59.95	24.21	-
Other Unusual Items	1.34	1.34	-	2.55	-	9.31
Pretax Income	1,246	1,245	1,181	770.79	495.28	363.15
Income Tax Expense	349.97	343.75	490.92	251.16	113.16	-
Net Income	896.23	901.5	690.2	519.63	382.12	363.15
Net Income to Common	896.23	901.5	690.2	519.63	382.12	363.15
Net Income Growth	29.35%	30.61%	32.82%	35.98%	5.22%	14.67%
Shares Outstanding (Basic)	111	111	111	111	101	101
Shares Outstanding (Diluted)	111	111	111	111	101	101
Shares Change (YoY)	-	-	-	9.95%	-	-
EPS (Basic)	8.09	8.13	6.23	4.69	3.79	3.60
EPS (Diluted)	8.09	8.13	6.23	4.69	3.79	3.60
EPS Growth	29.35%	30.61%	32.82%	23.68%	5.22%	14.67%
Free Cash Flow	-5,025	-6,922	-5,111	-2,062	-4,682	-1,768
Free Cash Flow Per Share	-45.34	-62.46	-46.12	-18.61	-46.45	-17.54
Dividend Per Share	2.250	2.250	2.100	2.000	2.000	2.800
Dividend Growth	7.14%	7.14%	5.00%	-	-28.57%	-
Operating Margin	66.08%	66.22%	66.62%	59.65%	54.03%	56.14%
Profit Margin	57.21%	58.58%	50.29%	62.44%	72.74%	78.52%
Free Cash Flow Margin	-320.74%	-449.77%	-372.40%	-247.85%	-891.25%	-382.38%
Effective Tax Rate	28.08%	27.61%	41.56%	32.58%	22.85%	-

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