Bank AL Habib Past Earnings Performance
Past criteria checks 5/6
Bank AL Habib has been growing earnings at an average annual rate of 23.3%, while the Banks industry saw earnings growing at 23.4% annually. Revenues have been growing at an average rate of 23.5% per year. Bank AL Habib's return on equity is 28.1%, and it has net margins of 24.9%.
Key information
23.3%
Earnings growth rate
23.3%
EPS growth rate
| Banks Industry Growth | 20.1% |
| Revenue growth rate | 23.5% |
| Return on equity | 28.1% |
| Net Margin | 24.9% |
| Last Earnings Update | 31 Dec 2023 |
Recent past performance updates
Recent updates
Revenue & Expenses BreakdownBeta
How Bank AL Habib makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 31 Dec 23 | 144,398 | 35,928 | 3,371 | 0 |
| 30 Sep 23 | 121,865 | 31,256 | 2,276 | 0 |
| 30 Jun 23 | 106,355 | 25,307 | 2,047 | 0 |
| 31 Mar 23 | 98,161 | 22,375 | 2,158 | 0 |
| 31 Dec 22 | 86,019 | 16,688 | 1,457 | 0 |
| 30 Sep 22 | 86,413 | 19,561 | 1,498 | 0 |
| 30 Jun 22 | 79,371 | 19,051 | 1,436 | 0 |
| 31 Mar 22 | 73,038 | 18,895 | 775 | 0 |
| 31 Dec 21 | 69,655 | 18,583 | 1,085 | 0 |
| 30 Sep 21 | 67,065 | 18,762 | 1,241 | 0 |
| 30 Jun 21 | 67,999 | 19,831 | 1,334 | 0 |
| 31 Mar 21 | 66,935 | 19,736 | 1,512 | 0 |
| 31 Dec 20 | 63,649 | 17,948 | 1,302 | 0 |
| 30 Sep 20 | 61,465 | 17,425 | 967 | 0 |
| 30 Jun 20 | 54,814 | 13,993 | 907 | 0 |
| 31 Mar 20 | 49,679 | 11,985 | 891 | 0 |
| 31 Dec 19 | 47,368 | 11,195 | 713 | 0 |
| 30 Sep 19 | 44,479 | 9,520 | 706 | 0 |
| 30 Jun 19 | 41,556 | 8,689 | 617 | 0 |
| 31 Mar 19 | 40,227 | 8,438 | 632 | 0 |
| 31 Dec 18 | 38,018 | 8,458 | 594 | 0 |
| 30 Sep 18 | 35,938 | 8,186 | -13,940 | 0 |
| 30 Jun 18 | 34,989 | 8,302 | -8,833 | 0 |
| 31 Mar 18 | 34,574 | 8,269 | -4,100 | 0 |
| 31 Dec 17 | 34,223 | 8,506 | 525 | 0 |
| 30 Sep 17 | 33,327 | 8,965 | 18,045 | 0 |
| 30 Jun 17 | 32,144 | 8,783 | 17,159 | 0 |
| 31 Mar 17 | 30,259 | 7,930 | 16,675 | 0 |
| 31 Dec 16 | 30,448 | 8,143 | 16,405 | 0 |
| 30 Sep 16 | 29,841 | 7,543 | 15,791 | 0 |
| 30 Jun 16 | 29,799 | 7,853 | 15,256 | 0 |
| 31 Mar 16 | 29,982 | 8,257 | 14,668 | 0 |
| 31 Dec 15 | 27,356 | 7,333 | 13,659 | 0 |
| 30 Sep 15 | 26,543 | 7,152 | 13,295 | 0 |
| 30 Jun 15 | 25,247 | 6,723 | 12,725 | 0 |
| 31 Mar 15 | 23,497 | 6,681 | 11,994 | 0 |
| 31 Dec 14 | 22,465 | 6,432 | 11,412 | 0 |
| 30 Sep 14 | 20,888 | 6,001 | 11,227 | 0 |
| 30 Jun 14 | 19,778 | 5,671 | 10,712 | 0 |
| 31 Mar 14 | 18,572 | 5,384 | 10,042 | 0 |
| 31 Dec 13 | 17,771 | 5,195 | 9,506 | 0 |
| 30 Sep 13 | 17,629 | 5,314 | 9,144 | 0 |
| 30 Jun 13 | 17,904 | 5,499 | 9,022 | 0 |
Quality Earnings: BAHL has high quality earnings.
Growing Profit Margin: BAHL's current net profit margins (24.9%) are higher than last year (19.4%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: BAHL's earnings have grown significantly by 23.3% per year over the past 5 years.
Accelerating Growth: BAHL's earnings growth over the past year (115.3%) exceeds its 5-year average (23.3% per year).
Earnings vs Industry: BAHL earnings growth over the past year (115.3%) exceeded the Banks industry 89.5%.
Return on Equity
High ROE: Whilst BAHL's Return on Equity (28.13%) is high, this metric is skewed due to their high level of debt.