ScoreWhy is First Habib Modaraba ?
1
Strong Long Term Fundamental Strength with a 44.82% CAGR growth in Net Sales
2
Flat results in Mar 25
- OPERATING CASH FLOW(Y) Lowest at PKR -7,127.51 MM
- DEBTORS TURNOVER RATIO(HY) Lowest at 2.97%
- NET SALES(Q) Lowest at PKR 1,131.96
3
With ROE of 12.4, it has a expensive valuation with a 0.4 Price to Book Value
- The stock is trading at a fair value compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 0%, its profits have fallen by -10.4% ; the PEG ratio of the company is 0
- At the current price, the company has a high dividend yield of 9.6
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to First Habib Modaraba should be less than 10%
- Overall Portfolio exposure to Finance should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Finance)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is First Habib Modaraba for you?
Low Risk, Low Return
Absolute
Risk Adjusted
Volatility
First Habib Modaraba
44.75%
1.95
23.90%
Pakistan KSE 100 Share
26.26%
2.81
22.77%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
48.39%
EBIT Growth (5y)
37.19%
EBIT to Interest (avg)
1.47
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0.97
Tax Ratio
44.36%
Dividend Payout Ratio
27.66%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
75.17%
ROE (avg)
11.39%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
4
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%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bullish
RSI
Bullish
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bearish
Bullish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend5What is working for the Company
OPERATING CASH FLOW(Y)
Highest at PKR -206.87 MM
RAW MATERIAL COST(Y)
Fallen by -0.27% (YoY
CASH AND EQV(HY)
Highest at PKR 24,172.33 MM
DEBTORS TURNOVER RATIO(HY)
Highest at 40.21 times
-4What is not working for the Company
DEBT-EQUITY RATIO
(HY)
Highest at 312.88 %
INTEREST COVERAGE RATIO(Q)
Lowest at 135.03
Here's what is working for First Habib Modaraba
Operating Cash Flow
Highest at PKR -206.87 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 24,172.33 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Debtors Turnover Ratio
Highest at 40.21 times
in the last five Semi-Annual periodsMOJO Watch
Company has been able to sell its Debtors faster
Debtors Turnover Ratio
Raw Material Cost
Fallen by -0.27% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin
Raw Material Cost as a percentage of Sales
Here's what is not working for First Habib Modaraba
Interest Coverage Ratio
Lowest at 135.03
in the last five periodsMOJO Watch
The company's ability to manage interest payments is deteriorating
Operating Profit to Interest
Debt-Equity Ratio
Highest at 312.88 % and Grown
In each half year in the last five Semi-Annual periodsMOJO Watch
The company is borrowing more to fund its operations; it's liquidity situation may be stressed
Debt-Equity Ratio
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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