HABIB BANK LIMITED |
End-of-day quote
Other stock markets
|
5-day change | 1st Jan Change | ||
| 117.9 PKR | +0.14% |
|
+2.44% | +6.36% |
| Mar. 11 | Pakistan's HBL CEO Aurangzeb resigns from bank, letter to bourse shows | RE |
| Mar. 11 | Pakistan PM Sharif picks prominent banker in new cabinet, document shows | RE |
Valuation
| Fiscal Period: December | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|
| Capitalization 1 | 230,912 | 194,035 | 171,064 | 93,483 | 162,586 | 172,927 | - | - |
| Enterprise Value (EV) 1 | 230,912 | 194,035 | 171,064 | 93,483 | 162,586 | 172,927 | 172,927 | 172,927 |
| P/E ratio | 15.1 x | 6.28 x | 4.88 x | 2.74 x | 2.82 x | 2.88 x | 2.92 x | 2.92 x |
| Yield | 3.18% | 3.21% | 6.43% | - | - | 13.3% | 15.5% | 16.1% |
| Capitalization / Revenue | 1,840,157 x | 1,207,444 x | 1,019,879 x | 440,344 x | - | - | - | - |
| EV / Revenue | 1,840,157 x | 1,207,444 x | 1,019,879 x | 440,344 x | - | - | - | - |
| EV / EBITDA | - | - | - | - | - | - | - | - |
| EV / FCF | - | - | - | - | - | - | - | - |
| FCF Yield | - | - | - | - | - | - | - | - |
| Price to Book | 1.05 x | 0.74 x | 0.61 x | - | - | 0.41 x | 0.38 x | 0.36 x |
| Nbr of stocks (in thousands) | 1,466,853 | 1,466,853 | 1,466,853 | 1,466,853 | 1,466,853 | 1,466,853 | - | - |
| Reference price 2 | 157.4 | 132.3 | 116.6 | 63.73 | 110.8 | 117.9 | 117.9 | 117.9 |
| Announcement Date | 2/19/20 | 2/17/21 | 3/8/22 | 2/24/23 | 2/23/24 | - | - | - |
1PKR in Million2PKR
Estimates
Income Statement Evolution (Annual data)
| Fiscal Period: December | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|
| Net sales | 125,485 | 160,699 | 167,730 | 212,294 | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - | - |
| EBIT | 32,195 | 65,250 | 70,115 | - | - | - | - | - |
| Operating Margin | 25.66% | 40.6% | 41.8% | - | - | - | - | - |
| Earnings before Tax (EBT) | 28,881 | 53,031 | 62,028 | 77,030 | - | - | - | - |
| Net income 1 | 15,333 | 30,892 | 35,022 | 34,070 | - | 58,223 | 62,128 | 65,291 |
| Net margin | 12.22% | 19.22% | 20.88% | 16.05% | - | - | - | - |
| EPS 2 | 10.45 | 21.06 | 23.90 | 23.23 | 39.32 | 40.93 | 40.39 | 40.40 |
| Free Cash Flow | - | - | - | - | - | - | - | - |
| FCF margin | - | - | - | - | - | - | - | - |
| FCF Conversion (EBITDA) | - | - | - | - | - | - | - | - |
| FCF Conversion (Net income) | - | - | - | - | - | - | - | - |
| Dividend per Share 2 | 5.000 | 4.250 | 7.500 | - | - | 15.67 | 18.27 | 19.00 |
| Announcement Date | 2/19/20 | 2/17/21 | 3/8/22 | 2/24/23 | 2/23/24 | - | - | - |
1PKR in Million2PKR
Estimates
Income Statement Evolution (Quarterly data)
| Fiscal Period: December | 2020 S1 | 2021 S1 | 2021 Q3 | 2021 Q4 | 2022 Q1 | 2022 Q2 | 2022 S1 | 2022 Q3 | 2022 Q4 | 2023 Q1 | 2023 Q2 | 2023 S1 | 2023 Q3 | 2023 Q4 | 2024 Q1 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net sales | - | 82,472 | 40,401 | 44,856 | 46,627 | 50,944 | - | 54,075 | - | 64,419 | 73,616 | 138,035 | 78,017 | - | - |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| EBIT | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Margin | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Earnings before Tax (EBT) | 25,829 | 31,197 | 15,180 | 15,651 | 14,581 | 20,011 | - | 21,007 | 21,431 | 21,502 | - | - | 32,019 | - | - |
| Net income | 15,143 | 18,030 | 9,051 | 8,315 | 8,479 | 3,628 | - | 11,514 | 10,670 | 13,200 | - | - | 16,636 | - | - |
| Net margin | - | 21.86% | 22.4% | 18.54% | 18.18% | 7.12% | - | 21.29% | - | 20.49% | - | - | 21.32% | - | - |
| EPS 1 | 10.32 | 12.04 | 6.170 | 5.690 | 5.780 | 2.320 | 8.100 | 7.850 | 7.280 | 9.000 | 8.860 | - | 11.34 | 10.12 | 7.200 |
| Dividend per Share 1 | 1.250 | 3.500 | 1.750 | 2.250 | 2.250 | 1.500 | 3.750 | 1.500 | - | 1.500 | 2.000 | 3.500 | 2.250 | - | 4.000 |
| Announcement Date | 7/24/20 | 7/30/21 | 10/15/21 | 3/8/22 | 4/20/22 | 7/28/22 | 7/28/22 | 10/28/22 | 2/24/23 | 4/28/23 | 8/15/23 | 8/15/23 | 10/25/23 | 2/23/24 | - |
1PKR
Estimates
Balance Sheet Analysis
| Fiscal Period: December | 2019 | 2020 | 2021 | 2022 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|
| Net Debt | - | - | - | - | - | - | - |
| Net Cash position | - | - | - | - | - | - | - |
| Leverage (Debt/EBITDA) | - | - | - | - | - | - | - |
| Free Cash Flow | - | - | - | - | - | - | - |
| ROE (net income / shareholders' equity) | 8.1% | 14.4% | 14.7% | - | 15.2% | 14.9% | 14.4% |
| ROA (Net income/ Total Assets) | 0.5% | 0.9% | 0.9% | - | - | - | - |
| Assets 1 | 3,066,558 | 3,432,475 | 3,891,317 | - | - | - | - |
| Book Value Per Share 2 | 150.0 | 178.0 | 191.0 | - | 290.0 | 309.0 | 326.0 |
| Cash Flow per Share | - | - | - | - | - | - | - |
| Capex | - | - | - | - | - | - | - |
| Capex / Sales | - | - | - | - | - | - | - |
| Announcement Date | 2/19/20 | 2/17/21 | 3/8/22 | 2/24/23 | - | - | - |
1PKR in Million2PKR
Estimates
EPS & Dividend
Year-on-year evolution of the PER
Year-on-year evolution of the Yield
Change in Enterprise Value/EBITDA
Sell
Buy
Mean consensus
BUY
Number of Analysts
10
Last Close Price
117.9
PKR
Average target price
127.5
PKR
Spread / Average Target
+8.12%
EPS Revisions
| 1st Jan change | Capi. | |
|---|---|---|
| +6.36% | 621M | |
| +16.61% | 210B | |
| +2.39% | 73.14B | |
| +7.99% | 54.82B | |
| +1.36% | 47.1B | |
| +13.25% | 47B | |
| +19.29% | 44.81B | |
| +10.93% | 36.6B | |
| -16.21% | 35.14B | |
| -96.60% | 32.24B |
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- Financials Habib Bank Limited
