ScoreWhy is Habib Bank Ltd. ?
1
Healthy long term growth as Net profit has grown by an annual rate of 30.70%
2
Positive results in Mar 25
- NII(Q) Highest at PKR 70,135.01 MM
- DIVIDEND PAYOUT RATIO(Y) Highest at 39.75%
- DIVIDEND PER SHARE(HY) Highest at PKR 0
3
With ROE of 13.9, it has a very attractive valuation with a 0.6 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 1% ; the PEG ratio of the company is 3
- At the current price, the company has a high dividend yield of 10.2
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Habib Bank Ltd. should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Habib Bank Ltd. for you?
Medium Risk, Low Return
Absolute
Risk Adjusted
Volatility
Habib Bank Ltd.
48.45%
1.47
38.57%
Pakistan KSE 100 Share
26.26%
2.81
22.77%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
20.30%
EBIT Growth (5y)
23.70%
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
43.97%
Pledged Shares
0
Institutional Holding
0.00%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
8
Industry P/E
Price to Book Value
1.00
EV to EBIT
20.08
EV to EBITDA
16.43
EV to Capital Employed
1.00
EV to Sales
2.02
PEG Ratio
5.66
Dividend Yield
5.65%
ROCE (Latest)
4.98%
ROE (Latest)
13.03%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend2What is working for the Company
DIVIDEND PAYOUT RATIO(Y)
Highest at 57.08%
DIVIDEND PER SHARE(HY)
Highest at PKR 0
-7What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at PKR 12,208.39 MM
CREDIT DEPOSIT RATIO(HY)
Lowest at 42.89%
OPERATING PROFIT(Q)
Lowest at PKR -57,402.92 MM
OPERATING PROFIT MARGIN(Q)
Lowest at -32.16 %
Here's what is working for Habib Bank Ltd.
Dividend per share
Highest at PKR 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (PKR)
Dividend Payout Ratio
Highest at 57.08%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Depreciation
Highest at PKR 5,113.49 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 Habib Bank Ltd.
Operating Cash Flow
Lowest at PKR 12,208.39 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (PKR MM)
Operating Profit
Lowest at PKR -57,402.92 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (PKR MM)
Operating Profit Margin
Lowest at -32.16 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Credit Deposit Ratio
Lowest at 42.89%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
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