Habib Bank (HBL) Stock Overview
Provides commercial banking services in Pakistan and internationally. More details
| Snowflake Score | |
|---|---|
| Valuation | 2/6 |
| Future Growth | 0/6 |
| Past Performance | 3/6 |
| Financial Health | 5/6 |
| Dividends | 4/6 |
HBL Community Fair Values
Create NarrativeSee what 21 others think this stock is worth. Follow their fair value or set your own to get alerts.
Habib Bank Limited Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | PK₨264.10 |
| 52 Week High | PK₨279.49 |
| 52 Week Low | PK₨114.55 |
| Beta | 0.78 |
| 1 Month Change | 1.06% |
| 3 Month Change | 59.91% |
| 1 Year Change | 120.56% |
| 3 Year Change | 200.15% |
| 5 Year Change | 94.92% |
| Change since IPO | 93.77% |
Recent News & Updates
Recent updates
Shareholder Returns
| HBL | PK Banks | PK Market | |
|---|---|---|---|
| 7D | 1.7% | 1.9% | 2.8% |
| 1Y | 120.6% | 87.0% | 72.0% |
Return vs Industry: HBL exceeded the PK Banks industry which returned 87% over the past year.
Return vs Market: HBL exceeded the PK Market which returned 72% over the past year.
Price Volatility
| HBL volatility | |
|---|---|
| HBL Average Weekly Movement | 5.8% |
| Banks Industry Average Movement | 6.0% |
| Market Average Movement | 6.1% |
| 10% most volatile stocks in PK Market | 9.1% |
| 10% least volatile stocks in PK Market | 3.8% |
Stable Share Price: HBL has not had significant price volatility in the past 3 months compared to the PK market.
Volatility Over Time: HBL's weekly volatility (6%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1941 | 20,661 | Muhammad Salim | www.hbl.com |
Habib Bank Limited, together with its subsidiaries, provides commercial banking services in Pakistan and internationally. It operates through Retail Banking; Consumer, SME and agriculture lending; Corporate, commercial and investment banking; Treasury; Financial Institutions; Branchless Banking; International; Asset management; Microfinance; and Head Office/Others segments. The company offers current, saving, digital, Nisa, and term deposit accounts; credit and debit cards; personal and car loans, and readycash; Konnect account, Konnect Islamic, and Konnect gaming products; remittance services; asset and investment services; and banssurance products.
Habib Bank Limited Fundamentals Summary
| HBL fundamental statistics | |
|---|---|
| Market cap | PK₨387.40b |
| Earnings (TTM) | PK₨63.25b |
| Revenue (TTM) | PK₨340.65b |
Is HBL overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| HBL income statement (TTM) | |
|---|---|
| Revenue | PK₨340.65b |
| Cost of Revenue | PK₨11.13b |
| Gross Profit | PK₨329.52b |
| Other Expenses | PK₨266.27b |
| Earnings | PK₨63.25b |
Last Reported Earnings
Jun 30, 2025
Next Earnings Date
n/a
| Earnings per share (EPS) | 43.12 |
| Gross Margin | 96.73% |
| Net Profit Margin | 18.57% |
| Debt/Equity Ratio | 345.3% |
How did HBL perform over the long term?
See historical performance and comparisonDividends
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/09/09 20:14 |
| End of Day Share Price | 2025/09/09 00:00 |
| Earnings | 2025/06/30 |
| Annual Earnings | 2024/12/31 |
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.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
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| Key Developments | 10 years |
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* 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.
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 Github.
Analyst Sources
Habib Bank Limited is covered by 29 analysts. 1 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| null null | AKD Research |
| Syeda Khadija Tul Qubra | Akseer Research (Pvt.) Limited |
| null null | Arif Habib Limited |