First Habib Modaraba (PSX:FHAM)
Pakistan · Delayed Price · Currency is PKR 32.70
-0.16 (-0.49%)
At close: Aug 28, 2026
First Habib Modaraba Income Statement
Financials in millions PKR. Fiscal year is July - June.
Millions PKR. Fiscal year is Jul - Jun.
Fiscal Year | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Jun '25 Jun 30, 2025 | Jun '24 Jun 30, 2024 | Jun '23 Jun 30, 2023 | Jun '22 Jun 30, 2022 |
Interest and Dividend Income | 4,851 | 4,972 | 5,191 | 3,435 | 1,563 |
Total Interest Expense | 3,351 | 3,321 | 3,504 | 2,287 | 933.68 |
Net Interest Income | 1,499 | 1,651 | 1,688 | 1,148 | 629.09 |
Revenue Before Loan Losses | 1,499 | 1,651 | 1,688 | 1,148 | 629.09 |
Provision for Loan Losses | -44.3 | 111.98 | 315.3 | 316.3 | 103.79 |
| 1,544 | 1,539 | 1,372 | 832.14 | 525.3 | |
Revenue Growth | 0.30% | 12.14% | 64.93% | 58.41% | 13.58% |
Salaries & Employee Benefits | 25.15 | 25.94 | 24.43 | 15.73 | 10.11 |
Cost of Services Provided | 478.13 | 444.79 | 397.98 | 307.27 | 223.26 |
Other Operating Expenses | 21.32 | 49.22 | 35.69 | 12.74 | 8.11 |
Total Operating Expenses | 524.6 | 519.95 | 458.11 | 335.74 | 241.48 |
Operating Income | 1,019 | 1,019 | 914.37 | 496.4 | 283.82 |
EBT Excluding Unusual Items | 1,233 | 1,181 | 1,100 | 646.46 | 414.2 |
Gain (Loss) on Sale of Investments | - | 62.47 | 80.34 | 59.95 | 24.21 |
Other Unusual Items | - | 1.34 | - | 2.55 | - |
Pretax Income | 1,233 | 1,245 | 1,181 | 770.79 | 495.28 |
Income Tax Expense | 484.64 | 343.75 | 490.92 | 251.16 | 113.16 |
Net Income | 747.92 | 901.5 | 690.2 | 519.63 | 382.12 |
Net Income to Common | 747.92 | 901.5 | 690.2 | 519.63 | 382.12 |
Net Income Growth | -17.04% | 30.61% | 32.82% | 35.98% | 5.22% |
Shares Outstanding (Basic) | 111 | 111 | 111 | 111 | 101 |
Shares Outstanding (Diluted) | 111 | 111 | 111 | 111 | 101 |
Shares Change | -0.03% | - | - | 9.95% | - |
EPS (Basic) | 6.75 | 8.13 | 6.23 | 4.69 | 3.79 |
EPS (Diluted) | 6.75 | 8.13 | 6.23 | 4.69 | 3.79 |
EPS Growth | -17.02% | 30.61% | 32.82% | 23.68% | 5.22% |
Additional Metrics
Fiscal Year | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Jun '25 Jun 30, 2025 | Jun '24 Jun 30, 2024 | Jun '23 Jun 30, 2023 | Jun '22 Jun 30, 2022 |
Free Cash Flow | -6,438 | -6,922 | -5,111 | -2,062 | -4,682 |
Free Cash Flow Per Share | -58.10 | -62.46 | -46.12 | -18.61 | -46.45 |
Dividend Per Share | 2.250 | 2.250 | 2.100 | 2.000 | 2.000 |
Dividend Growth | 0% | 7.14% | 5.00% | 0% | -28.57% |
Operating Margin | 66.02% | 66.22% | 66.62% | 59.65% | 54.03% |
Profit Margin | 48.45% | 58.58% | 50.29% | 62.44% | 72.74% |
Free Cash Flow Margin | -417.03% | -449.77% | -372.40% | -247.85% | -891.25% |
Effective Tax Rate | 39.32% | 27.61% | 41.56% | 32.58% | 22.85% |