Habib Bank Limited (PSX:HBL)

Habib Bank Statistics

Total Valuation

Habib Bank has a market cap or net worth of PKR 445.67 billion.

Market Cap	445.67B
Enterprise Value	n/a

Important Dates

The last earnings date was Monday, October 27, 2025.

Earnings Date	Oct 27, 2025
Ex-Dividend Date	Oct 31, 2025

Share Statistics

Habib Bank has 1.47 billion shares outstanding. The number of shares has increased by 0.00% in one year.

Current Share Class	1.47B
Shares Outstanding	1.47B
Shares Change (YoY)	+0.00%
Shares Change (QoQ)	-0.06%
Owned by Insiders (%)	0.02%
Owned by Institutions (%)	14.30%
Float	455.17M

Valuation Ratios

The trailing PE ratio is 6.78 and the forward PE ratio is 6.60.

PE Ratio	6.78
Forward PE	6.60
PS Ratio	1.26
PB Ratio	0.96
P/TBV Ratio	1.03
P/FCF Ratio	0.96
P/OCF Ratio	0.91
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	2.85
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 15.06%.

Return on Equity (ROE)	15.06%
Return on Assets (ROA)	0.98%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	17.12M
Profits Per Employee	3.18M
Employee Count	20,661
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, Habib Bank has paid 80.68 billion in taxes.

Income Tax	80.68B
Effective Tax Rate	55.03%

Stock Price Statistics

The stock price has increased by +121.81% 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	+121.81%
50-Day Moving Average	280.52
200-Day Moving Average	203.10
Relative Strength Index (RSI)	55.29
Average Volume (20 Days)	2,443,582

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 353.73 billion and earned 65.71 billion in profits. Earnings per share was 44.79.

Revenue	353.73B
Gross Profit	342.97B
Operating Income	146.61B
Pretax Income	146.61B
Net Income	65.71B
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	44.79

Balance Sheet

The company has 557.43 billion in cash and 1.33 trillion in debt, giving a net cash position of -770.92 billion or -525.56 per share.

Cash & Cash Equivalents	557.43B
Total Debt	1.33T
Net Cash	-770.92B
Net Cash Per Share	-525.56
Equity (Book Value)	464.08B
Book Value Per Share	315.35
Working Capital	-4,584.71B

Cash Flow

In the last 12 months, operating cash flow was 489.82 billion and capital expenditures -23.88 billion, giving a free cash flow of 465.93 billion.

Operating Cash Flow	489.82B
Capital Expenditures	-23.88B
Free Cash Flow	465.93B
FCF Per Share	317.64

Margins

Gross Margin	n/a
Operating Margin	41.45%
Pretax Margin	41.45%
Profit Margin	18.58%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	131.72%

Dividends & Yields

This stock pays an annual dividend of 20.00, which amounts to a dividend yield of 6.80%.

Dividend Per Share	20.00
Dividend Yield	6.80%
Dividend Growth (YoY)	14.06%
Years of Dividend Growth	1
Payout Ratio	40.74%
Buyback Yield	-0.00%
Shareholder Yield	6.80%
Earnings Yield	14.74%
FCF Yield	104.55%

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