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
60.28%
2.81
22.77%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
25.80%
EBIT Growth (5y)
37.61%
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
40.78%
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
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Bullish
Bullish
OBV
Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend9What is working for the Company
PRE-TAX PROFIT(Q)
Highest at PKR 36,708.14 MM
CASH AND EQV(HY)
Highest at PKR 1,242,494.25 MM
DIVIDEND PER SHARE(HY)
Highest at PKR 0
OPERATING PROFIT(Q)
Highest at PKR 32,141.67 MM
NET PROFIT(Q)
Highest at PKR 17,781.73 MM
EPS(Q)
Highest at PKR 12.12
-3What is not working for the Company
NET SALES(HY)
At PKR 325,315.75 MM has Grown at -20.55%
CREDIT DEPOSIT RATIO(HY)
Lowest at 44.46%
Here's what is working for Habib Bank Ltd.
Pre-Tax Profit
Highest at PKR 36,708.14 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (PKR MM)
Operating Profit
Highest at PKR 32,141.67 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (PKR MM)
Net Profit
Highest at PKR 17,781.73 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (PKR MM)
EPS
Highest at PKR 12.12
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (PKR)
Cash and Eqv
Highest at PKR 1,242,494.25 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Dividend per share
Highest at PKR 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (PKR)
Depreciation
Highest at PKR 4,858.22 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (PKR MM)
CASA
Highest at 14.54%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for Habib Bank Ltd.
Net Sales
At PKR 325,315.75 MM has Grown at -20.55%
Year on Year (YoY)MOJO Watch
Near term sales trend is negative
Net Sales (PKR MM)
Credit Deposit Ratio
Lowest at 44.46%
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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