Bank Al Habib Ltd. (BAHL) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Habib Bank Ltd.

United Bank Ltd.

MCB Bank Ltd.

Faysal Bank Ltd.

Bank of Khyber

Habib Metropolitan Bank Ltd.

Bank Alfalah Ltd.

Bank Al Habib Ltd.

Soneri Bank Ltd.

Why is Bank Al Habib Ltd. ?

Efficient Cost Management with a low Cost to Income Ratio of 46.08%

Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0%

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 Report

Verdict Report

How 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

26.26%

2.81

22.77%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

21.90%

EBIT Growth (5y)

15.92%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

51.39%

Pledged Shares

Institutional Holding

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

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%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bearish

Mildly Bearish

RSI

No Signal

Bollinger Bands

Mildly Bearish

Bearish

Moving Averages

Bearish (Daily)

KST

Bearish

Mildly Bearish

Dow Theory

No Trend

Mildly Bearish

OBV

Mildly Bullish

Mildly Bearish

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

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

0What is working for the Company

NO KEY POSITIVE TRIGGERS

-28What is not working for the Company

NII(Q)

Lowest at PKR 31,388.72 MM

OPERATING CASH FLOW(Y)

Lowest at PKR -340,824.21 MM

NET SALES(Q)

Lowest at PKR 76,799.8 MM

OPERATING PROFIT(Q)

Lowest at PKR -31,651.09 MM

PRE-TAX PROFIT(Q)

Lowest at PKR 12,391.4 MM

NET PROFIT(Q)

Lowest at PKR 5,783.09 MM

DIVIDEND PAYOUT RATIO(Y)

Lowest at 86.48%

DIVIDEND PER SHARE(HY)

Lowest at PKR 0

CREDIT DEPOSIT RATIO(HY)

Lowest at 31.7%

OPERATING PROFIT MARGIN(Q)

Lowest at -41.21 %

EPS(Q)

Lowest at PKR 5.2

Here's what is working for Bank Al Habib Ltd.

Depreciation

Highest at PKR 2,892.06 MM

in the last five periods

MOJO 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 31,388.72 MM and Fallen

In each period in the last five periods

MOJO Watch

The bank's income from core business is falling

NII (PKR MM)

Net Sales

Lowest at PKR 76,799.8 MM and Fallen

In each period in the last five periods

MOJO Watch

Near term sales trend is very negative

Net Sales (PKR MM)

Net Sales

At PKR 76,799.8 MM has Fallen at -32.09%

Year on Year (YoY)

MOJO Watch

Near term sales trend is very negative

Net Sales (PKR MM)

Operating Profit

Lowest at PKR -31,651.09 MM and Fallen

In each period in the last five periods

MOJO Watch

Near term Operating Profit trend is quite negative

Operating Profit (PKR MM)

Pre-Tax Profit

Lowest at PKR 12,391.4 MM and Fallen

In each period in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is very negative

Pre-Tax Profit (PKR MM)

Net Profit

Lowest at PKR 5,783.09 MM and Fallen

In each period in the last five periods

MOJO Watch

Near term Net Profit trend is very negative

Net Profit (PKR MM)

Operating Cash Flow

Lowest at PKR -340,824.21 MM

in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (PKR MM)

Operating Profit Margin

Lowest at -41.21 %

in the last five periods

MOJO Watch

Company's profit margin has deteriorated

Operating Profit to Sales

EPS

Lowest at PKR 5.2

in the last five periods

MOJO Watch

Declining profitability; company has created lower earnings for shareholders

EPS (PKR)

Dividend per share

Lowest at PKR 0

in the last five years

MOJO Watch

Company is distributing lower dividend than previous years

DPS (PKR)

Credit Deposit Ratio

Lowest at 31.7%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)

Dividend Payout Ratio

Lowest at 86.48%

in the last five years

MOJO Watch

Company is distributing lower proportion of profits generated as dividend

DPR (%)