Habib Metropolitan Bank Limited

KASE:HMB Stock Report

Market Cap: PK₨75.4b

Habib Metropolitan Bank Past Earnings Performance

Past criteria checks 2/6

Habib Metropolitan Bank has been growing earnings at an average annual rate of 25%, while the Banks industry saw earnings growing at 25% annually. Revenues have been growing at an average rate of 27% per year. Habib Metropolitan Bank's return on equity is 23.9%, and it has net margins of 28.1%.

Key information

25.0%

Earnings growth rate

25.0%

EPS growth rate

Banks Industry Growth20.1%
Revenue growth rate27.0%
Return on equity23.9%
Net Margin28.1%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Habib Metropolitan Bank makes and spends money. Based on latest reported earnings, on an LTM basis.


Earnings and Revenue History

KASE:HMB Revenue, expenses and earnings (PKR Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 2486,71624,3501,7030
30 Jun 2485,08924,3191,8090
31 Mar 2486,19324,7611,9140
31 Dec 2383,51724,5571,7270
30 Sep 2375,00523,3311,6390
30 Jun 2365,93519,6191,6020
31 Mar 2357,54716,5211,2150
31 Dec 2251,46614,3741,1200
30 Sep 2247,57413,9138970
30 Jun 2244,30413,8635920
31 Mar 2241,52513,8765480
31 Dec 2139,34013,5185210
30 Sep 2138,81713,6926520
30 Jun 2139,20314,1677170
31 Mar 2137,94213,7447160
31 Dec 2035,52012,0536460
30 Sep 2031,2089,9245030
30 Jun 2026,8007,6013800
31 Mar 2025,0656,7213700
31 Dec 1924,9586,6463530
30 Sep 1924,8976,6803200
30 Jun 1923,9956,4262660
31 Mar 1923,2976,0812960
31 Dec 1822,3726,1803450
30 Sep 1822,2506,901-7,2640
30 Jun 1821,2046,338-4,5650
31 Mar 1820,8485,923-1,9220
31 Dec 1720,0995,6713770
30 Sep 1720,1625,61810,0380
30 Jun 1720,2716,0339,7240
31 Mar 1719,6475,7949,3390
31 Dec 1619,8186,1299,1410
30 Sep 1618,6335,4798,9450
30 Jun 1618,6135,6118,6970
31 Mar 1621,7907,9108,4380
31 Dec 1521,4227,6738,2190
30 Sep 1521,2267,8267,8960
30 Jun 1520,3787,2787,6250
31 Mar 1516,2955,3667,3710
31 Dec 1415,1974,9427,1390
30 Sep 1413,3834,0367,0890
30 Jun 1412,6153,8486,8060
31 Mar 1412,2713,7646,5230
31 Dec 1311,7823,5276,3150

Quality Earnings: HMB has high quality earnings.

Growing Profit Margin: HMB's current net profit margins (28.1%) are lower than last year (31.1%).


Free Cash Flow vs Earnings Analysis


Past Earnings Growth Analysis

Earnings Trend: HMB's earnings have grown significantly by 25% per year over the past 5 years.

Accelerating Growth: HMB's earnings growth over the past year (4.4%) is below its 5-year average (25% per year).

Earnings vs Industry: HMB earnings growth over the past year (4.4%) did not outperform the Banks industry 36.2%.


Return on Equity

High ROE: Whilst HMB's Return on Equity (23.94%) is high, this metric is skewed due to their high level of debt.


Return on Assets


Return on Capital Employed


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