Habib Bank Limited (PSX:HBL)

Habib Bank Statistics

Total Valuation

Habib Bank has a market cap or net worth of PKR 404.50 billion.

Market Cap	404.50B
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Friday, August 22, 2025.

Earnings Date	Aug 22, 2025
Ex-Dividend Date	Aug 8, 2025

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)	+0.02%
Owned by Insiders (%)	0.05%
Owned by Institutions (%)	12.14%
Float	451.86M

Valuation Ratios

The trailing PE ratio is 6.40 and the forward PE ratio is 7.46.

PE Ratio	6.40
Forward PE	7.46
PS Ratio	1.19
PB Ratio	0.90
P/TBV Ratio	0.96
P/FCF Ratio	0.64
P/OCF Ratio	0.62
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	2.54
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 15.32%.

Return on Equity (ROE)	15.32%
Return on Assets (ROA)	0.91%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	16.49M
Profits Per Employee	3.06M
Employee Count	20,661
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, Habib Bank has paid 74.64 billion in taxes.

Income Tax	74.64B
Effective Tax Rate	54.15%

Stock Price Statistics

The stock price has increased by +100.67% in the last 52 weeks. The beta is 0.78, so Habib Bank's price volatility has been lower than the market average.

Beta (5Y)	0.78
52-Week Price Change	+100.67%
50-Day Moving Average	204.26
200-Day Moving Average	168.22
Relative Strength Index (RSI)	77.78
Average Volume (20 Days)	5,171,351

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 340.65 billion and earned 63.25 billion in profits. Earnings per share was 43.12.

Revenue	340.65B
Gross Profit	329.52B
Operating Income	137.83B
Pretax Income	137.83B
Net Income	63.25B
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	43.12

Balance Sheet

The company has 470.12 billion in cash and 1.59 trillion in debt, giving a net cash position of -1,122.00 billion or -764.90 per share.

Cash & Cash Equivalents	470.12B
Total Debt	1.59T
Net Cash	-1,122.00B
Net Cash Per Share	-764.90
Equity (Book Value)	450.41B
Book Value Per Share	305.91
Working Capital	-5,808.95B

Cash Flow

In the last 12 months, operating cash flow was 655.64 billion and capital expenditures -27.70 billion, giving a free cash flow of 627.93 billion.

Operating Cash Flow	655.64B
Capital Expenditures	-27.70B
Free Cash Flow	627.93B
FCF Per Share	428.08

Margins

Gross Margin	n/a
Operating Margin	40.46%
Pretax Margin	40.46%
Profit Margin	18.57%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	184.33%

Dividends & Yields

This stock pays an annual dividend of 18.00, which amounts to a dividend yield of 6.53%.

Dividend Per Share	18.00
Dividend Yield	6.53%
Dividend Growth (YoY)	21.05%
Years of Dividend Growth	1
Payout Ratio	38.66%
Buyback Yield	n/a
Shareholder Yield	6.53%
Earnings Yield	15.64%
FCF Yield	155.24%

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