Bank AL Habib Limited

KASE:BAHL Stock Report

Market Cap: PK₨133.9b

Bank AL Habib Past Earnings Performance

Past criteria checks 3/6

Bank AL Habib has been growing earnings at an average annual rate of 24.2%, while the Banks industry saw earnings growing at 25% annually. Revenues have been growing at an average rate of 26.3% per year. Bank AL Habib's return on equity is 26.5%, and it has net margins of 24.4%.

Key information

24.2%

Earnings growth rate

24.2%

EPS growth rate

Banks Industry Growth20.1%
Revenue growth rate26.3%
Return on equity26.5%
Net Margin24.4%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Bank AL Habib makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

KASE:BAHL Revenue, expenses and earnings (PKR Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 24166,85640,6513,7090
30 Jun 24162,56839,3243,6460
31 Mar 24150,35335,5313,3950
31 Dec 23144,39835,9283,3710
30 Sep 23121,94131,2562,2760
30 Jun 23106,43125,3072,0470
31 Mar 2398,16122,3752,1580
31 Dec 2286,01916,6881,4570
30 Sep 2286,41319,5611,4980
30 Jun 2279,37119,0511,4360
31 Mar 2273,03818,8957750
31 Dec 2169,65518,5831,0850
30 Sep 2167,06518,7621,2410
30 Jun 2167,99919,8311,3340
31 Mar 2166,93519,7361,5120
31 Dec 2063,64917,9481,3020
30 Sep 2061,46517,4259670
30 Jun 2054,81413,9939070
31 Mar 2049,67911,9858910
31 Dec 1947,36811,1957130
30 Sep 1944,4799,5207060
30 Jun 1941,5568,6896170
31 Mar 1940,2278,4386320
31 Dec 1838,0188,4585940
30 Sep 1835,9388,186-13,9400
30 Jun 1834,9898,302-8,8330
31 Mar 1834,5748,269-4,1000
31 Dec 1734,2238,5065250
30 Sep 1733,3278,96518,0450
30 Jun 1732,1448,78317,1590
31 Mar 1730,2597,93016,6750
31 Dec 1630,4488,14316,4050
30 Sep 1629,8417,54315,7910
30 Jun 1629,7997,85315,2560
31 Mar 1629,9828,25714,6680
31 Dec 1527,3567,33313,6590
30 Sep 1526,5437,15213,2950
30 Jun 1525,2476,72312,7250
31 Mar 1523,4976,68111,9940
31 Dec 1422,4656,43211,4120
30 Sep 1420,8886,00111,2270
30 Jun 1419,7785,67110,7120
31 Mar 1418,5725,38410,0420
31 Dec 1317,7715,1959,5060

Quality Earnings: BAHL has high quality earnings.

Growing Profit Margin: BAHL's current net profit margins (24.4%) are lower than last year (25.6%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: BAHL's earnings have grown significantly by 24.2% per year over the past 5 years.

Accelerating Growth: BAHL's earnings growth over the past year (30.1%) exceeds its 5-year average (24.2% per year).

Earnings vs Industry: BAHL earnings growth over the past year (30.1%) did not outperform the Banks industry 30.1%.

Return on Equity

High ROE: Whilst BAHL's Return on Equity (26.51%) is high, this metric is skewed due to their high level of debt.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/21 01:55
End of Day Share Price 2024/12/20 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Bank AL Habib Limited is covered by 15 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Hamza KamalAKD Research
Syeda Khadija Tul QubraAkseer Research (Pvt.) Limited
null nullAkseer Research (Pvt.) Limited