Stocktoria
Habib Bank Limited HBL.KA
Habib Bank Limited statistics & valuation
Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value (₨ 582.84); a green figure means the price is below it.
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 7× earnings — above its 10-year norm (10-year range 2.8×–7.6×, median 4.4×).
Shaded band = 10-year range (2.8×–7.6×); dot = today's 7×.
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.