Habib Bank Limited (PSX:HBL)

Habib Bank Statistics

Total Valuation

Habib Bank has a market cap or net worth of PKR 378.68 billion.

Market Cap	378.68B
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Wednesday, April 22, 2026.

Earnings Date	Apr 22, 2026
Ex-Dividend Date	Mar 19, 2026

Share Statistics

Habib Bank has 1.47 billion shares outstanding.

Current Share Class	1.47B
Shares Outstanding	1.47B
Shares Change (YoY)	n/a
Shares Change (QoQ)	+0.04%
Owned by Insiders (%)	0.02%
Owned by Institutions (%)	15.75%
Float	456.13M

Valuation Ratios

The trailing PE ratio is 5.68 and the forward PE ratio is 5.27.

PE Ratio	5.68
Forward PE	5.27
PS Ratio	1.08
PB Ratio	0.78
P/TBV Ratio	0.83
P/FCF Ratio	0.76
P/OCF Ratio	0.73
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	2.60
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 14.85%.

Return on Equity (ROE)	14.85%
Return on Assets (ROA)	0.97%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	1.99%
Revenue Per Employee	16.96M
Profits Per Employee	3.21M
Employee Count	20,756
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, Habib Bank has paid 81.33 billion in taxes.

Income Tax	81.33B
Effective Tax Rate	54.92%

Stock Price Statistics

The stock price has increased by +68.31% in the last 52 weeks. The beta is 0.82, so Habib Bank's price volatility has been lower than the market average.

Beta (5Y)	0.82
52-Week Price Change	+68.31%
50-Day Moving Average	318.85
200-Day Moving Average	279.10
Relative Strength Index (RSI)	34.19
Average Volume (20 Days)	1,935,553

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, Habib Bank had revenue of PKR 351.98 billion and earned 66.72 billion in profits. Earnings per share was 45.48.

Revenue	351.98B
Gross Profit	340.63B
Operating Income	148.09B
Pretax Income	148.09B
Net Income	66.72B
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	45.48

Balance Sheet

The company has 745.70 billion in cash and 1.29 trillion in debt, with a net cash position of -540.74 billion or -368.64 per share.

Cash & Cash Equivalents	745.70B
Total Debt	1.29T
Net Cash	-540.74B
Net Cash Per Share	-368.64
Equity (Book Value)	488.61B
Book Value Per Share	331.97
Working Capital	-5,510.98B

Cash Flow

In the last 12 months, operating cash flow was 520.84 billion and capital expenditures -25.57 billion, giving a free cash flow of 495.27 billion.

Operating Cash Flow	520.84B
Capital Expenditures	-25.57B
Depreciation & Amortization	n/a
Net Borrowing	-9.03B
Free Cash Flow	495.27B
FCF Per Share	337.64

Margins

Gross Margin	n/a
Operating Margin	42.07%
Pretax Margin	42.07%
Profit Margin	18.95%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	140.71%

Dividends & Yields

This stock pays an annual dividend of 24.00, which amounts to a dividend yield of 9.30%.

Dividend Per Share	24.00
Dividend Yield	9.30%
Dividend Growth (YoY)	23.08%
Years of Dividend Growth	2
Payout Ratio	39.89%
Buyback Yield	n/a
Shareholder Yield	9.30%
Earnings Yield	17.62%
FCF Yield	130.79%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on March 21, 2014. It was a forward split with a ratio of 1.1.

Last Split Date	Mar 21, 2014
Split Type	Forward
Split Ratio	1.1

Scores

Altman Z-Score	n/a
Piotroski F-Score	4