Stocktoria
Habib Bank Limited HBL.KA
PK · XKAR · XKAR · stock
Habib Bank Limited statistics & valuation
Market cap₨ 207.3B
P / E3.1×
P / S0.6×
P / B0.4×
P / FCF0.1×
Dividend yield12.84%
Net margin19.7%
Return on equity13.7%
FCF margin491.8%
Net cash₨ 382.3B
Enterprise value USD$247.4M
Multiples are price-derived and refreshed daily; everything else from the latest financial reports.
Profitability & efficiency
Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).
P / E vs its own history
Habib Bank Limited trades at about 6.8× earnings — above its 10-year norm (10-year range 2.8×–7.6×, median 4.4×).
2.8×
7.6×
Shaded band = 10-year range (2.8×–7.6×); dot = today's 6.8×.
Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.
Key ratios (by fiscal year)
| Ratio | FY2025 | FY2024 | FY2023 | FY2022 |
|---|---|---|---|---|
| Net margin | 19.7% | 18.8% | 20.6% | 17.2% |
| FCF margin | 491.8% | -13.6% | 245.6% | 11.1% |
| Return on assets | 0.9% | 1.0% | 1.0% | 0.7% |
| Return on equity | 13.7% | 14.3% | 15.9% | 12.1% |
Computed from company filings · PK · as of 2025-12-31. Figures in PKR. Facts plus Stocktoria's own computed scores — not investment advice.