Habib Bank Limited (PSX:HBL)
Pakistan · Delayed Price · Currency is PKR 294.90
+7.24 (2.52%)
At close: Oct 29, 2026
Habib Bank 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 | 363,945 | 351,984 | 315,531 | 286,318 | 203,813 | 159,532 |
Revenue Growth | 2.89% | 11.55% | 10.20% | 40.48% | 27.76% | 7.38% |
Net Income Net Income Growth | 69,465 | 66,716 | 58,458 | 57,676 | 34,070 | 35,022 |
Earnings Per Share EPS Growth | 47.35 | 45.48 | 39.85 | 39.32 | 23.23 | 23.88 |
EPS Growth | 5.71% | 14.13% | 1.35% | 69.29% | -2.72% | 13.37% |
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 |
Head Office / Others Head Office / Others Growth | 13,190 | 27,518 | 4,682 | -3,530 | 9,129 |
Retail Banking Retail Banking Growth | 117,290 | 160,016 | 157,893 | 81,207 | 46,702 |
Corporate, Commercial & Investment Banking Corporate, Commercial & Investment Banking Growth | 55,845 | 36,487 | 45,575 | 34,255 | 19,023 |
Microfinance Microfinance Growth | 14,986 | 5,721 | 10,239 | 9,783 | 8,358 |
Asset Management Asset Management Growth | 3,877 | 3,443 | 1,540 | 682 | 442 |
Consumer, SME & Agriculture lending Consumer, SME & Agriculture lending Growth | 42,661 | 33,449 | 32,714 | 27,599 | 23,169 |
Treasury Treasury Growth | 69,303 | 1,302 | -5,361 | 17,349 | 29,118 |
Financial Institutions Financial Institutions Growth | 45 | 386 | 898 | - | - |
Branchless Banking Branchless Banking Growth | 1,389 | 7,375 | 7,601 | - | - |
International and Global Remittance International and Global Remittance Growth | 33,398 | 39,833 | 30,537 | - | - |
Total Total Growth | 351,984 | 315,530 | 286,318 | 203,813 | 159,643 |
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 | 596,957 | 745,704 | 521,467 | 700,037 | 538,339 | 607,431 |
Total Debt Total Debt Growth | 2,112,226 | 1,286,448 | 893,859 | 730,089 | 639,097 | 480,902 |
Net Cash (Debt) Net Cash Growth | -1,515,270 | -540,744 | -372,391 | -30,052 | -100,758 | 126,530 |
Net Cash Growth | - | - | - | - | - | - |
Net Cash Per Share Net Cash Per Share Growth | -1032.93 | -368.64 | -253.87 | -20.49 | -68.69 | 86.26 |
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 | 300,282 | 520,842 | -240,179 | 38,721 | -38,245 | -499,165 |
Capital Expenditures CapEx Growth | -28,605 | -25,571 | -24,998 | -17,223 | -19,464 | -13,572 |
Free Cash Flow Free Cash Flow Growth | 271,677 | 495,272 | -265,177 | 21,498 | -57,709 | -512,737 |
Free Cash Flow Growth | -41.69% | - | - | - | - | - |
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 | 19.09% | 18.95% | 18.53% | 20.14% | 16.72% | 21.95% |
FCF Margin | 74.65% | 140.71% | -84.04% | 7.51% | -28.32% | -321.40% |
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 | 24.000 | 20.000 | 16.250 | 9.750 | 6.750 | 7.500 |
Dividend Per Share Growth | 31.51% | 23.08% | 66.67% | 44.44% | -10.00% | 76.47% |
Dividend Yield | 8.14% | 6.18% | 9.31% | 8.80% | 10.59% | 6.43% |
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 | 6.23 | 7.11 | 4.38 | 2.82 | 2.74 | 4.89 |
Forward PE | 5.42 | 6.84 | 4.12 | 2.50 | 1.94 | 4.41 |
P/FCF Ratio | 1.59 | 0.96 | - | 7.56 | - | - |
PS Ratio | 1.19 | 1.35 | 0.81 | 0.57 | 0.46 | 1.07 |