First Habib Modaraba (FHAM) Stock Overview
A Non-Bank Islamic Financial Institution, engages in the leasing, financing, and other related businesses in Pakistan. More details
| Snowflake Score | |
|---|---|
| Valuation | 2/6 |
| Future Growth | 0/6 |
| Past Performance | 4/6 |
| Financial Health | 2/6 |
| Dividends | 3/6 |
Rewards
Risk Analysis
FHAM Community Fair Values
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First Habib Modaraba Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | PK₨35.14 |
| 52 Week High | PK₨39.49 |
| 52 Week Low | PK₨16.50 |
| Beta | 0.32 |
| 1 Month Change | 2.75% |
| 3 Month Change | 17.92% |
| 1 Year Change | 107.32% |
| 3 Year Change | 116.91% |
| 5 Year Change | 75.88% |
| Change since IPO | 368.53% |
Recent News & Updates
Recent updates
Shareholder Returns
| FHAM | PK Consumer Finance | PK Market | |
|---|---|---|---|
| 7D | 0.4% | -0.03% | 0.004% |
| 1Y | 107.3% | 87.8% | 45.3% |
Return vs Industry: FHAM exceeded the PK Consumer Finance industry which returned 96.7% over the past year.
Return vs Market: FHAM exceeded the PK Market which returned 51% over the past year.
Price Volatility
| FHAM volatility | |
|---|---|
| FHAM Average Weekly Movement | 6.3% |
| Consumer Finance Industry Average Movement | 4.8% |
| Market Average Movement | 5.5% |
| 10% most volatile stocks in PK Market | 9.6% |
| 10% least volatile stocks in PK Market | 3.2% |
Stable Share Price: FHAM has not had significant price volatility in the past 3 months compared to the PK market.
Volatility Over Time: FHAM's weekly volatility (6%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1985 | 81 | Muhammad Ibrahim | www.habibmodaraba.com |
First Habib Modaraba, a Non-Bank Islamic Financial Institution, engages in the leasing, financing, and other related businesses in Pakistan. The company offers Diminishing Musharaka, a Musharaka with an additional feature of decreasing ownership of one party. Its financial services include Murabaha, a non-participatory mode of Islamic financing; consumer auto car financing solution; financing for solar power equipment; Salam, a contract of sale where the seller undertakes to supply some specific commodity to the buyer at a future date in exchange for a price fully paid in advance; and Istisna, a contract with a manufacturer to make something or a contract on a commodity on liability with the provision of work.
First Habib Modaraba Fundamentals Summary
| FHAM fundamental statistics | |
|---|---|
| Market cap | PK₨3.89b |
| Earnings (TTM) | PK₨896.23m |
| Revenue (TTM) | PK₨1.57b |
Is FHAM overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| FHAM income statement (TTM) | |
|---|---|
| Revenue | PK₨1.57b |
| Cost of Revenue | PK₨6.58m |
| Gross Profit | PK₨1.56b |
| Other Expenses | PK₨663.83m |
| Earnings | PK₨896.23m |
Last Reported Earnings
Sep 30, 2025
Next Earnings Date
n/a
| Earnings per share (EPS) | 8.09 |
| Gross Margin | 99.58% |
| Net Profit Margin | 57.21% |
| Debt/Equity Ratio | 491.1% |
How did FHAM perform over the long term?
See historical performance and comparisonDividends
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/11/26 05:46 |
| End of Day Share Price | 2025/11/26 00:00 |
| Earnings | 2025/09/30 |
| Annual Earnings | 2025/06/30 |
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 |
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| Ownership | 10 years |
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| 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
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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
First Habib Modaraba is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.