ScoreWhy is Bank Al Habib Ltd. ?
1
Efficient Cost Management with a low Cost to Income Ratio of 46.08%
2
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0%
3
With ROE of 26.7, it has a very attractive valuation with a 1.1 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 0%, its profits have risen by 17% ; the PEG ratio of the company is 0.2
- At the current price, the company has a high dividend yield of 11.3
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is Bank Al Habib Ltd. for you?
Medium Risk, Low Return
Absolute
Risk Adjusted
Volatility
Bank Al Habib Ltd.
46.63%
1.65
33.59%
Pakistan KSE 100 Share
60.28%
2.81
22.77%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
35.20%
EBIT Growth (5y)
35.96%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
45.09%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
5
Industry P/E
Price to Book Value
1.35
EV to EBIT
7.91
EV to EBITDA
7.13
EV to Capital Employed
1.11
EV to Sales
1.25
PEG Ratio
0.32
Dividend Yield
8.38%
ROCE (Latest)
14.02%
ROE (Latest)
25.10%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
No Trend
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend7What is working for the Company
OPERATING CASH FLOW(Y)
Highest at PKR 45,363.95 MM
OPERATING PROFIT MARGIN(Q)
Highest at 21.4 %
GROSS NPA (%)
(Q
CASH AND EQV(HY)
Highest at PKR 383,763.67 MM
-4What is not working for the Company
NII(Q)
Lowest at PKR 33,713.83 MM
NET SALES(Q)
Lowest at PKR 93,039.42 MM
Here's what is working for Bank Al Habib Ltd.
Operating Profit Margin
Highest at 21.4 % and Grown
In each period in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Non Performing Loans (%)
Lowest at 3.18%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Operating Cash Flow
Highest at PKR 45,363.95 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (PKR MM)
Cash and Eqv
Highest at PKR 383,763.67 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Depreciation
Highest at PKR 2,513.19 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (PKR MM)
Here's what is not working for Bank Al Habib Ltd.
NII
Lowest at PKR 33,713.83 MM
in the last five periodsMOJO Watch
The bank's income from core business is falling
NII (PKR MM)
Net Sales
Lowest at PKR 93,039.42 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (PKR MM)
Net Sales
Fallen at -22.38%
Year on Year (YoY)MOJO Watch
Near term sales trend is negative
Net Sales (PKR MM)
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