First Habib Modaraba

KASE:FHAM Stock Report

Market Cap: PK₨2.0b

First Habib Modaraba Past Earnings Performance

Past criteria checks 2/6

First Habib Modaraba has been growing earnings at an average annual rate of 19.5%, while the Consumer Finance industry saw earnings growing at 14.3% annually. Revenues have been growing at an average rate of 31.1% per year. First Habib Modaraba's return on equity is 13.7%, and it has net margins of 48.7%.

Key information

19.5%

Earnings growth rate

16.6%

EPS growth rate

Consumer Finance Industry Growth9.5%
Revenue growth rate31.1%
Return on equity13.7%
Net Margin48.7%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

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

Earnings and Revenue History

KASE:FHAM Revenue, expenses and earnings (PKR Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 241,4246934210
30 Jun 241,3726904160
31 Mar 241,2797683830
31 Dec 231,1467453680
30 Sep 239575953450
30 Jun 238325203170
31 Mar 236765252950
31 Dec 226184512730
30 Sep 225794272490
30 Jun 225253822310
31 Mar 225313732110
31 Dec 215103782030
30 Sep 214823512000
30 Jun 214623631940
31 Mar 213933071900
31 Dec 203603071870
30 Sep 203563121880
30 Jun 203453171870
31 Mar 203743471840
31 Dec 193823451800
30 Sep 193833391750
30 Jun 193633201670
31 Mar 191,3373071560
31 Dec 181,3262861530
30 Sep 181,3012741480
30 Jun 181,3092901380
31 Mar 181,3502601620
31 Dec 171,3512771510
30 Sep 171,3672911320
30 Jun 171,3692951290
31 Mar 173393011270
31 Dec 163393001250
30 Sep 163263001190
30 Jun 163202981200
31 Mar 163152991190
31 Dec 153093021170
30 Sep 153093041170
30 Jun 153023071150
31 Mar 152923071110
31 Dec 142782991090
30 Sep 142742941060
30 Jun 142772851090
31 Mar 142581,0172050
31 Dec 132701,0082060

Quality Earnings: FHAM has a high level of non-cash earnings.

Growing Profit Margin: FHAM's current net profit margins (48.7%) are lower than last year (62.1%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: FHAM's earnings have grown by 19.5% per year over the past 5 years.

Accelerating Growth: FHAM's earnings growth over the past year (16.5%) is below its 5-year average (19.5% per year).

Earnings vs Industry: FHAM earnings growth over the past year (16.5%) exceeded the Consumer Finance industry 12.4%.

Return on Equity

High ROE: FHAM's Return on Equity (13.7%) 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 Analysis2024/12/20 20:11
End of Day Share Price 2024/12/20 00:00
Earnings2024/09/30
Annual Earnings2024/06/30

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.

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

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.

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