HBL Stock Overview
Habib Bank Limited, together with its subsidiaries, provides commercial banking related services in Pakistan, the Middle East, Africa, Asia, Europe, and North America.
Habib Bank Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||PK₨121.42|
|52 Week High||PK₨144.80|
|52 Week Low||PK₨107.60|
|1 Month Change||-3.29%|
|3 Month Change||1.96%|
|1 Year Change||-6.84%|
|3 Year Change||-10.75%|
|5 Year Change||-50.00%|
|Change since IPO||-10.92%|
Recent News & Updates
|HBL||PK Banks||PK Market|
Return vs Industry: HBL underperformed the PK Banks industry which returned 5.2% over the past year.
Return vs Market: HBL matched the PK Market which returned -6.4% over the past year.
|HBL Average Weekly Movement||3.8%|
|Banks Industry Average Movement||3.9%|
|Market Average Movement||5.9%|
|10% most volatile stocks in PK Market||9.4%|
|10% least volatile stocks in PK Market||3.7%|
Stable Share Price: HBL is less volatile than 75% of PK stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: HBL's weekly volatility (4%) has been stable over the past year.
About the Company
Habib Bank Limited, together with its subsidiaries, provides commercial banking related services in Pakistan, the Middle East, Africa, Asia, Europe, and North America. The company operates through Branch Banking; Consumer, SME and Rural Banking; Islamic Banking; Corporate, Commercial and Investment Banking; International and Correspondent Banking; and Treasury segments. It offers current, savings, and term deposits, as well as debit and credit cards; and personal, house, and car loans, as well as overdrafts.
Habib Bank Fundamentals Summary
|HBL fundamental statistics|
Is HBL overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|HBL income statement (TTM)|
|Cost of Revenue||PK₨4.77b|
Last Reported Earnings
Sep 30, 2021
Next Earnings Date
|Earnings per share (EPS)||22.09|
|Net Profit Margin||21.39%|
How did HBL perform over the long term?See historical performance and comparison
5.8%Current Dividend Yield
Is Habib Bank undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: HBL (PKR121.42) is trading above our estimate of fair value (PKR100.22)
Significantly Below Fair Value: HBL is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: HBL's PE Ratio (5.5x) is in line with the PK Banks industry average.
PE vs Market: HBL is good value based on its PE Ratio (5.5x) compared to the PK market (6.6x).
Price to Earnings Growth Ratio
PEG Ratio: HBL is good value based on its PEG Ratio (0.3x)
Price to Book Ratio
PB vs Industry: HBL's PB Ratio (0.6x) is in line with the PK Banks industry average.
How is Habib Bank forecast to perform in the next 1 to 3 years based on estimates from 5 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: HBL's forecast earnings growth (18.4% per year) is above the savings rate (10%).
Earnings vs Market: HBL's earnings (18.4% per year) are forecast to grow faster than the PK market (8.2% per year).
High Growth Earnings: HBL's earnings are forecast to grow, but not significantly.
Revenue vs Market: HBL's revenue (11.9% per year) is forecast to grow faster than the PK market (8.6% per year).
High Growth Revenue: HBL's revenue (11.9% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: HBL's Return on Equity is forecast to be low in 3 years time (15.6%).
How has Habib Bank performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: HBL has a high level of non-cash earnings.
Growing Profit Margin: HBL's current net profit margins (21.4%) are lower than last year (21.5%).
Past Earnings Growth Analysis
Earnings Trend: HBL's earnings have grown by 6.4% per year over the past 5 years.
Accelerating Growth: HBL's earnings growth over the past year (1.6%) is below its 5-year average (6.4% per year).
Earnings vs Industry: HBL earnings growth over the past year (1.6%) underperformed the Banks industry 3.4%.
Return on Equity
High ROE: HBL's Return on Equity (11.6%) is considered low.
How is Habib Bank's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: HBL's Assets to Equity ratio (14.5x) is moderate.
Allowance for Bad Loans: HBL has a sufficient allowance for bad loans (100%).
Low Risk Liabilities: 83% of HBL's liabilities are made up of primarily low risk sources of funding.
Loan Level: HBL has an appropriate level of Loans to Assets ratio (34%).
Low Risk Deposits: HBL's Loans to Deposits ratio (44%) is appropriate.
Level of Bad Loans: HBL has a high level of bad loans (5.7%).
What is Habib Bank current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: HBL's dividend (5.77%) is higher than the bottom 25% of dividend payers in the PK market (3.51%).
High Dividend: HBL's dividend (5.77%) is low compared to the top 25% of dividend payers in the PK market (10.78%).
Stability and Growth of Payments
Stable Dividend: HBL's dividend payments have been volatile in the past 10 years.
Growing Dividend: HBL's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (37.3%), HBL's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: HBL's dividends in 3 years are forecast to be well covered by earnings (41.6% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Muhammad Aurangzeb (57 yo)
Mr. Muhammad Aurangzeb has been President and Chief Executive Officer of Habib Bank Ltd since April 30, 2018 and serves as its Director. Prior to this, he worked for Habib Bank Ltd as its Relationship Mana...
Experienced Management: HBL's management team is considered experienced (3.5 years average tenure).
Experienced Board: HBL's board of directors are considered experienced (6.4 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.
Habib Bank Limited's employee growth, exchange listings and data sources
- Name: Habib Bank Limited
- Ticker: HBL
- Exchange: KASE
- Founded: 1941
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: PK₨178.105b
- Shares outstanding: 1.47b
- Website: https://www.hbl.com
Number of Employees
- Habib Bank Limited
- Habib Bank Plaza
- I.I.Chundrigar Road
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/12/06 15:37|
|End of Day Share Price||2021/12/06 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.