Habib Bank Limited

KASE:HBL Stock Report

Market Cap: PK₨230.1b

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 Growth20.1%
Revenue growth rate20.7%
Return on equity14.1%
Net Margin19.3%
Last Earnings Update30 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

KASE:HBL Revenue, expenses and earnings (PKR Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 24304,66058,8917,4730
30 Jun 24305,27661,0776,9790
31 Mar 24302,13159,6925,9490
31 Dec 23286,31857,6765,8770
30 Sep 23264,37953,5005,1980
30 Jun 23241,08148,3785,1540
31 Mar 23219,67038,7925,1050
31 Dec 22203,81334,0704,6400
30 Sep 22190,20731,7145,0000
30 Jun 22175,56329,2514,7360
31 Mar 22166,14435,1654,3350
31 Dec 21159,53235,0224,4700
30 Sep 21151,46632,4083,8180
30 Jun 21152,90933,4053,6100
31 Mar 21157,80435,1323,9230
31 Dec 20148,56830,8923,6330
30 Sep 20148,41731,8883,9680
30 Jun 20141,23726,7703,8190
31 Mar 20121,43416,3753,8270
31 Dec 19121,93615,3333,6620
30 Sep 19109,81811,0614890
30 Jun 19100,7597,8189490
31 Mar 19101,36010,5279900
31 Dec 1896,56312,056-300
30 Sep 18103,12716,856-37,8260
30 Jun 18109,799944-23,0550
31 Mar 18112,6974,046-8,8720
31 Dec 17115,5758,4954,1370
30 Sep 17116,5199,71956,6880
30 Jun 17114,98833,64155,0370
31 Mar 17114,09834,08053,3910
31 Dec 16112,66934,07052,1460
30 Sep 16110,00735,01749,8850
30 Jun 16109,91835,30948,6000
31 Mar 16110,26634,19947,9200
31 Dec 15110,24235,10946,2670
30 Sep 15109,18935,54444,6270
30 Jun 15102,25532,85542,9140
31 Mar 1597,41635,50240,8610
31 Dec 1490,74731,61840,1500
30 Sep 1485,84428,07739,3410
30 Jun 1483,02026,97338,4920
31 Mar 1476,80223,88937,0580
31 Dec 1372,92022,86334,9200

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.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/26 00:28
End of Day Share Price 2024/12/26 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

Habib Bank Limited is covered by 30 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
null nullAKD Research
Syeda Khadija Tul QubraAkseer Research (Pvt.) Limited
Saqib Hussain KhanAkseer Research (Pvt.) Limited