BAHL Stock Overview
Bank AL Habib Limited, together with its subsidiaries, provides various banking products and services in Pakistan, the Middle East, the Asia Pacific, and Africa.
Bank AL Habib Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||PK₨58.06|
|52 Week High||PK₨78.49|
|52 Week Low||PK₨56.80|
|1 Month Change||-10.68%|
|3 Month Change||-14.58%|
|1 Year Change||-17.63%|
|3 Year Change||-26.42%|
|5 Year Change||4.90%|
|Change since IPO||3,325.79%|
Recent News & Updates
|BAHL||PK Banks||PK Market|
Return vs Industry: BAHL matched the PK Banks industry which returned -14.2% over the past year.
Return vs Market: BAHL exceeded the PK Market which returned -18.5% over the past year.
|BAHL Average Weekly Movement||4.3%|
|Banks Industry Average Movement||4.2%|
|Market Average Movement||5.6%|
|10% most volatile stocks in PK Market||8.9%|
|10% least volatile stocks in PK Market||3.6%|
Stable Share Price: BAHL is not significantly more volatile than the rest of PK stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: BAHL's weekly volatility (4%) has been stable over the past year.
About the Company
Bank AL Habib Limited, together with its subsidiaries, provides various banking products and services in Pakistan, the Middle East, the Asia Pacific, and Africa. It operates through Retail Banking, Commercial Banking, and Retail Brokerage segments. The company offers personal banking products, including current, savings, and foreign currency accounts; term deposit; car, housing, renewable energy, and cash finance; credit and debit cards; and home remittance services.
Bank AL Habib Fundamentals Summary
|BAHL fundamental statistics|
Is BAHL overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|BAHL income statement (TTM)|
|Cost of Revenue||PK₨3.27b|
Last Reported Earnings
Dec 31, 2021
Next Earnings Date
|Earnings per share (EPS)||16.72|
|Net Profit Margin||26.63%|
How did BAHL perform over the long term?See historical performance and comparison
12.1%Current Dividend Yield
Is BAHL undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 5/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for BAHL?
Other financial metrics that can be useful for relative valuation.
|What is BAHL's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does BAHL's PE Ratio compare to its peers?
|BAHL PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
NBP National Bank of Pakistan
ABL Allied Bank
BAFL Bank Alfalah
HMB Habib Metropolitan Bank
BAHL Bank AL Habib
Price-To-Earnings vs Peers: BAHL is expensive based on its Price-To-Earnings Ratio (3.6x) compared to the peer average (3.2x).
Price to Earnings Ratio vs Industry
How does BAHL's PE Ratio compare vs other companies in the Asian Banks Industry?
Price-To-Earnings vs Industry: BAHL is good value based on its Price-To-Earnings Ratio (3.6x) compared to the PK Banks industry average (4.2x)
Price to Earnings Ratio vs Fair Ratio
What is BAHL's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
|Current PE Ratio||3.5x|
|Fair PE Ratio||5.9x|
Price-To-Earnings vs Fair Ratio: BAHL is good value based on its Price-To-Earnings Ratio (3.6x) compared to the estimated Fair Price-To-Earnings Ratio (5.9x).
Share Price vs Fair Value
What is the Fair Price of BAHL when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: BAHL (PKR59.83) is trading below our estimate of fair value (PKR102.45)
Significantly Below Fair Value: BAHL is trading below fair value by more than 20%.
Price to Earnings Growth Ratio
PEG Ratio: BAHL is good value based on its PEG Ratio (0.2x)
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How is Bank AL Habib forecast to perform in the next 1 to 3 years based on estimates from 5 analysts?
Future Growth Score5/6
Future Growth Score 5/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: BAHL's forecast earnings growth (22.8% per year) is above the savings rate (10.5%).
Earnings vs Market: BAHL's earnings (22.8% per year) are forecast to grow faster than the PK market (5.2% per year).
High Growth Earnings: BAHL's earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: BAHL's revenue (7.9% per year) is forecast to grow faster than the PK market (4.2% per year).
High Growth Revenue: BAHL's revenue (7.9% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: BAHL's Return on Equity is forecast to be high in 3 years time (21.5%)
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How has Bank AL Habib performed over the past 5 years?
Past Performance Score1/6
Past Performance Score 1/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: BAHL has a high level of non-cash earnings.
Growing Profit Margin: BAHL's current net profit margins (26.6%) are lower than last year (28.2%).
Past Earnings Growth Analysis
Earnings Trend: BAHL's earnings have grown significantly by 22.1% per year over the past 5 years.
Accelerating Growth: BAHL's earnings growth over the past year (3.5%) is below its 5-year average (22.1% per year).
Earnings vs Industry: BAHL earnings growth over the past year (3.5%) underperformed the Banks industry 11.6%.
Return on Equity
High ROE: Whilst BAHL's Return on Equity (20.57%) is high, this metric is skewed due to their high level of debt.
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How is Bank AL Habib's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score5/6
Financial Health Score 5/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: BAHL's Assets to Equity ratio (20.5x) is very high.
Allowance for Bad Loans: BAHL has a sufficient allowance for bad loans (169%).
Low Risk Liabilities: 74% of BAHL's liabilities are made up of primarily low risk sources of funding.
Loan Level: BAHL has an appropriate level of Loans to Assets ratio (40%).
Low Risk Deposits: BAHL's Loans to Deposits ratio (56%) is appropriate.
Level of Bad Loans: BAHL has an appropriate level of bad loans (1%).
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What is Bank AL Habib current dividend yield, its reliability and sustainability?
Dividend Score 5/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: BAHL's dividend (11.7%) is higher than the bottom 25% of dividend payers in the PK market (3.75%).
High Dividend: BAHL's dividend (11.7%) is in the top 25% of dividend payers in the PK market (11.1%)
Stability and Growth of Payments
Stable Dividend: BAHL's dividend payments have been volatile in the past 10 years.
Growing Dividend: BAHL's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Earnings Coverage: With its reasonably low payout ratio (41.9%), BAHL's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: BAHL's dividends in 3 years are forecast to be well covered by earnings (43.4% payout ratio).
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How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Mr. Mansoor Ali Khan has been the Chief Executive Officer of Bank AL Habib Limited since November 1, 2016 and serves as its Director.
Experienced Management: BAHL's management team is considered experienced (3.4 years average tenure).
Experienced Board: BAHL's board of directors are considered experienced (6.7 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Bank AL Habib Limited's employee growth, exchange listings and data sources
- Name: Bank AL Habib Limited
- Ticker: BAHL
- Exchange: KASE
- Founded: 1991
- Industry: Diversified Banks
- Sector: Banks
- Implied Market Cap: PK₨64.529b
- Shares outstanding: 1.11b
- Website: https://www.bankalhabib.com
Number of Employees
- Bank AL Habib Limited
- Mackinnons Building
- 2nd Floor
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/07/01 00:00|
|End of Day Share Price||2022/06/30 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.