Habib Bank Past Earnings Performance
Past criteria checks 2/6
Habib Bank has been growing earnings at an average annual rate of 23.6%, while the Banks industry saw earnings growing at 25% annually. Revenues have been growing at an average rate of 20.7% per year. Habib Bank's return on equity is 14.1%, and it has net margins of 19.3%.
Key information
23.6%
Earnings growth rate
23.6%
EPS growth rate
| Banks Industry Growth | 20.1% |
| Revenue growth rate | 20.7% |
| Return on equity | 14.1% |
| Net Margin | 19.3% |
| Last Earnings Update | 30 Sep 2024 |
Recent past performance updates
Recent updates
Revenue & Expenses Breakdown
How Habib Bank 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 |
|---|---|---|---|---|
| 30 Sep 24 | 304,660 | 58,891 | 7,473 | 0 |
| 30 Jun 24 | 305,276 | 61,077 | 6,979 | 0 |
| 31 Mar 24 | 302,131 | 59,692 | 5,949 | 0 |
| 31 Dec 23 | 286,318 | 57,676 | 5,877 | 0 |
| 30 Sep 23 | 264,379 | 53,500 | 5,198 | 0 |
| 30 Jun 23 | 241,081 | 48,378 | 5,154 | 0 |
| 31 Mar 23 | 219,670 | 38,792 | 5,105 | 0 |
| 31 Dec 22 | 203,813 | 34,070 | 4,640 | 0 |
| 30 Sep 22 | 190,207 | 31,714 | 5,000 | 0 |
| 30 Jun 22 | 175,563 | 29,251 | 4,736 | 0 |
| 31 Mar 22 | 166,144 | 35,165 | 4,335 | 0 |
| 31 Dec 21 | 159,532 | 35,022 | 4,470 | 0 |
| 30 Sep 21 | 151,466 | 32,408 | 3,818 | 0 |
| 30 Jun 21 | 152,909 | 33,405 | 3,610 | 0 |
| 31 Mar 21 | 157,804 | 35,132 | 3,923 | 0 |
| 31 Dec 20 | 148,568 | 30,892 | 3,633 | 0 |
| 30 Sep 20 | 148,417 | 31,888 | 3,968 | 0 |
| 30 Jun 20 | 141,237 | 26,770 | 3,819 | 0 |
| 31 Mar 20 | 121,434 | 16,375 | 3,827 | 0 |
| 31 Dec 19 | 121,936 | 15,333 | 3,662 | 0 |
| 30 Sep 19 | 109,818 | 11,061 | 489 | 0 |
| 30 Jun 19 | 100,759 | 7,818 | 949 | 0 |
| 31 Mar 19 | 101,360 | 10,527 | 990 | 0 |
| 31 Dec 18 | 96,563 | 12,056 | -30 | 0 |
| 30 Sep 18 | 103,127 | 16,856 | -37,826 | 0 |
| 30 Jun 18 | 109,799 | 944 | -23,055 | 0 |
| 31 Mar 18 | 112,697 | 4,046 | -8,872 | 0 |
| 31 Dec 17 | 115,575 | 8,495 | 4,137 | 0 |
| 30 Sep 17 | 116,519 | 9,719 | 56,688 | 0 |
| 30 Jun 17 | 114,988 | 33,641 | 55,037 | 0 |
| 31 Mar 17 | 114,098 | 34,080 | 53,391 | 0 |
| 31 Dec 16 | 112,669 | 34,070 | 52,146 | 0 |
| 30 Sep 16 | 110,007 | 35,017 | 49,885 | 0 |
| 30 Jun 16 | 109,918 | 35,309 | 48,600 | 0 |
| 31 Mar 16 | 110,266 | 34,199 | 47,920 | 0 |
| 31 Dec 15 | 110,242 | 35,109 | 46,267 | 0 |
| 30 Sep 15 | 109,189 | 35,544 | 44,627 | 0 |
| 30 Jun 15 | 102,255 | 32,855 | 42,914 | 0 |
| 31 Mar 15 | 97,416 | 35,502 | 40,861 | 0 |
| 31 Dec 14 | 90,747 | 31,618 | 40,150 | 0 |
| 30 Sep 14 | 85,844 | 28,077 | 39,341 | 0 |
| 30 Jun 14 | 83,020 | 26,973 | 38,492 | 0 |
| 31 Mar 14 | 76,802 | 23,889 | 37,058 | 0 |
| 31 Dec 13 | 72,920 | 22,863 | 34,920 | 0 |
Quality Earnings: HBL has high quality earnings.
Growing Profit Margin: HBL's current net profit margins (19.3%) are lower than last year (20.2%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: HBL's earnings have grown significantly by 23.6% per year over the past 5 years.
Accelerating Growth: HBL's earnings growth over the past year (10.1%) is below its 5-year average (23.6% per year).
Earnings vs Industry: HBL earnings growth over the past year (10.1%) did not outperform the Banks industry 30.1%.
Return on Equity
High ROE: HBL's Return on Equity (14.1%) is considered low.