First Habib Modaraba (FHAM) Stock Analysis | Price, Returns, Financials & Key Metrics

Price Point

High/Low

1Day

52 Week

Valuation

Technical

Day's Volume

CASH

N/A

Shareholding

FII

N/A

DII

N/A

Promoter

N/A

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Dashboard

Strong Long Term Fundamental Strength with a 44.82% CAGR growth in Net Sales

Flat results in Mar 25

With ROE of 12.4, it has a expensive valuation with a 0.4 Price to Book Value

Mojo Parameters

Stock DNA

Industry

Finance

Market cap

PKR 3,929 Million (Small Cap)

P/E

4.00

Industry P/E

Dividend Yield

6.35%

Debt Equity

-2.02

Return on Equity

15.61%

Price to Book

0.69

Revenue and Profits:

Net Sales:

5,124 Million

(Quarterly Results - Jun 2025)

Net Profit:

901 Million

Total Returns

Total Returns (Price + Dividend)

TimePeriod

Price Return

Dividend Return

Total Return

3 Months

10.5%

6 Months

21.77%

1 Year

44.75%

2 Years

215.1%

3 Years

137.78%

4 Years

138.76%

5 Years

144.3%

First Habib Modaraba for the last several years.

Risk Adjusted Returns v/s

News & Corporate Actions

News

No Recent News for the Company

Announcements

No announcement available

Corporate Actions

No corporate action available

Key Factors

Quality key factors

Factor

Value

Sales Growth (5y)

45.64%

EBIT Growth (5y)

34.61%

EBIT to Interest (avg)

1.47

Debt to EBITDA (avg)

Negative Net Debt

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

0.97

Tax Ratio

44.36%

Dividend Payout Ratio

27.66%

Pledged Shares

Institutional Holding

ROCE (avg)

75.17%

ROE (avg)

11.39%

Valuation key factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.64

EV to EBIT

-1.64

EV to EBITDA

-1.63

EV to Capital Employed

1.38

EV to Sales

-1.49

PEG Ratio

0.13

Dividend Yield

6.79%

ROCE (Latest)

-83.92%

ROE (Latest)

15.57%

Technicals key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bearish

Bollinger Bands

Mildly Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

Mildly Bullish

No Trend

OBV

Mildly Bearish

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Shareholding

Shareholding Snapshot

No data for shareholding present.

Shareholding Compare (%holding)

No data for shareholding present.

Financial

[
  {
    "link": "quarterly",
    "btn_text": "All Quarterly Results",
    "header": "Quarterly Results Snapshot (Consolidated) - Jun'25 - YoY",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "YoY Growth in quarter ended Jun 2025 is 241.70% vs 22.24% in Jun 2024",
        "dir": 1
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": "YoY Growth in quarter ended Jun 2025 is 2,682.41% vs -70.68% in Jun 2024",
        "dir": 1
      }
    ],
    "table": {
      "header": [
        "Jun'25",
        "Jun'24",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "5,124.40",
          "val2": "1,499.70",
          "chgp": "241.70%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "4,679.60",
          "val2": "1,379.20",
          "chgp": "239.30%",
          "chgp_class": "positive"
        },
        {
          "field": "Interest",
          "val1": "3,322.40",
          "val2": "986.90",
          "chgp": "236.65%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "901.50",
          "val2": "32.40",
          "chgp": "2,682.41%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "913.20%",
          "val2": "915.50%",
          "chgp": "-0.23%",
          "chgp_class": "negative"
        }
      ]
    }
  },
  {
    "link": "annual",
    "btn_text": "All Annual Results",
    "header": "Annual Results Snapshot (Consolidated) - Jun'24",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "YoY Growth in year ended Jun 2024 is 48.59% vs 83.91% in Jun 2023",
        "dir": -1
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": "YoY Growth in year ended Jun 2024 is 32.83% vs 35.99% in Jun 2023",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Jun'24",
        "Jun'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "5,199.60",
          "val2": "3,499.20",
          "chgp": "48.59%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "4,795.50",
          "val2": "3,195.50",
          "chgp": "50.07%",
          "chgp_class": "positive"
        },
        {
          "field": "Interest",
          "val1": "3,505.30",
          "val2": "2,288.20",
          "chgp": "53.19%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "2.50",
          "chgp": "-100.00%",
          "chgp_class": "negative"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "690.20",
          "val2": "519.60",
          "chgp": "32.83%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "918.80%",
          "val2": "894.30%",
          "chgp": "2.45%",
          "chgp_class": "positive"
        }
      ]
    }
  }
]

Quarterly Results Snapshot (Consolidated) - Jun'25 - YoY

Jun'25

Jun'24

Change(%)

Net Sales

5,124.40

1,499.70

241.70%

Operating Profit (PBDIT) excl Other Income

4,679.60

1,379.20

239.30%

Interest

3,322.40

986.90

236.65%

Exceptional Items

0.00

Consolidate Net Profit

901.50

32.40

2,682.41%

Operating Profit Margin (Excl OI)

913.20%

915.50%

-0.23%

USD in Million.

Compare with Peers

Net Sales

YoY Growth in quarter ended Jun 2025 is 241.70% vs 22.24% in Jun 2024

Consolidated Net Profit

YoY Growth in quarter ended Jun 2025 is 2,682.41% vs -70.68% in Jun 2024

All Quarterly Results

Annual Results Snapshot (Consolidated) - Jun'24

Jun'24

Jun'23

Change(%)

Net Sales

5,199.60

3,499.20

48.59%

Operating Profit (PBDIT) excl Other Income

4,795.50

3,195.50

50.07%

Interest

3,505.30

2,288.20

53.19%

Exceptional Items

0.00

2.50

-100.00%

Consolidate Net Profit

690.20

519.60

32.83%

Operating Profit Margin (Excl OI)

918.80%

894.30%

2.45%

USD in Million.

Compare with Peers

Net Sales

YoY Growth in year ended Jun 2024 is 48.59% vs 83.91% in Jun 2023

Consolidated Net Profit

YoY Growth in year ended Jun 2024 is 32.83% vs 35.99% in Jun 2023

All Annual Results

Company CV

About First Habib Modaraba

First Habib Modaraba

Finance

First Habib Modaraba is a Pakistan-based financial services institution within non-banking financial sector. The Company is engaged in the business of leasing (Ijarah), Musharaka, Murabaha financing and other related business. Its products include financial services and deposit scheme. Its financial services products include Ijarah (lease financing), Diminishing Musharaka, Consumer Car Ijarah, Murabaha, Salam and Istisna. Its deposits of scheme include Certificate of Musharaka. Ijarah is a contract of renting/hiring/leasing for usufruct of the assets under which the Company arranges finances for moveable fixed assets. Diminishing Musharaka is a Musharaka with an additional feature of decreasing ownership of approximately one party. It also offers car lease-financing scheme for corporate employees and self-employed persons. Murabaha is a non-participatory mode of Islamic financing. Istisna'a is a sale contract between the Company as the seller and the customer as the purchaser.

Company Coordinates

Company Details

6th Floor, HBZ Plaza, I. I. Chundrigar Road, KARACHI None : 74000

Tel: 92 21 32635949

http://www.habibmodaraba.com/

Registrar Details