Habib Bank 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	Feb '26 Feb 26, 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	455,516	474,395	255,907	162,586	93,483	171,064
Market Cap Growth	90.03%	85.38%	57.40%	73.92%	-45.35%	-11.84%
Last Close Price	310.54	323.41	159.26	88.58	46.89	79.19
PE Ratio	6.83	7.11	4.38	2.82	2.74	4.89
PS Ratio	1.29	1.35	0.81	0.57	0.46	1.07
PB Ratio	0.93	0.97	0.62	0.44	0.33	0.60
P/FCF Ratio	0.92	0.96	-	7.56	-	-
P/OCF Ratio	0.87	0.91	-	4.20	-	-
Debt / Equity Ratio	2.61	2.61	2.18	2.00	2.24	1.70
Debt / FCF Ratio	2.58	2.58	-	33.96	-	-
Net Debt / Equity Ratio	1.35	1.35	0.91	0.08	0.35	-0.45
Net Debt / FCF Ratio	1.33	1.33	-1.40	1.40	-1.75	0.25
Return on Equity (ROE)	14.85%	14.85%	14.88%	17.74%	12.10%	12.93%
Return on Assets (ROA)	0.97%	0.97%	1.00%	1.14%	0.77%	0.87%
Earnings Yield	14.65%	14.06%	22.84%	35.47%	36.45%	20.47%
FCF Yield	108.73%	104.40%	-103.62%	13.22%	-61.73%	-299.73%
Dividend Yield	7.73%	6.18%	10.20%	11.01%	14.39%	9.47%
Payout Ratio	39.89%	39.89%	43.22%	21.43%	24.93%	31.00%
Buyback Yield / Dilution	-0.01%	-0.01%	-	-	-	-
Total Shareholder Return	7.72%	6.18%	10.20%	11.01%	14.39%	9.47%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.