Stock BAHL BANK AL HABIB LIMITED
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Financials Bank AL Habib Limited

Equities

BAHL

PK0051601018

Banks

End-of-day quote Pakistan S.E.
Other stock markets
 18:00:00 2024-06-26 EDT 		5-day change 1st Jan Change
113.1 PKR +1.06% Intraday chart for Bank AL Habib Limited +6.58% +40.44%
04-29 Bank AL Habib Limited Reports Earnings Results for the First Quarter Ended March 31, 2024 CI
02-13 Bank AL Habib Limited Reports Earnings Results for the Full Year Ended December 31, 2023 CI

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 84,646 77,355 76,699 61,440 89,514 125,713 - -
Enterprise Value (EV) 1 84,646 77,355 76,699 61,440 89,514 125,713 125,713 125,713
P/E ratio 7.56 x 4.31 x 4.13 x 3.68 x 2.49 x 2.61 x 2.59 x 2.24 x
Yield 4.6% 6.47% 10.1% 12.7% 17.4% 17.1% 18.3% 19.9%
Capitalization / Revenue 2.05 x 1.34 x 1.38 x 0.79 x - 0.65 x 0.52 x 0.45 x
EV / Revenue 2.05 x 1.34 x 1.38 x 0.79 x - 0.65 x 0.52 x 0.45 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 1.37 x 0.96 x 0.85 x 0.64 x - 0.8 x 0.63 x -
Nbr of stocks (in thousands) 1,111,425 1,111,425 1,111,425 1,111,425 1,111,425 1,111,425 - -
Reference price 2 76.16 69.60 69.01 55.28 80.54 113.1 113.1 113.1
Announcement Date 20-01-29 21-01-27 22-02-10 23-02-27 24-02-13 - - -
1PKR in Million2PKR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 41,204 57,643 55,609 77,319 - 193,159 241,452 280,416
EBITDA - - - - - - - -
EBIT 22,440 - - - - - - -
Operating Margin 54.46% - - - - - - -
Earnings before Tax (EBT) 1 19,040 28,709 30,217 33,055 - 110,051 135,243 147,738
Net income 1 11,195 17,948 18,583 16,688 - 56,126 68,974 75,346
Net margin 27.17% 31.14% 33.42% 21.58% - 29.06% 28.57% 26.87%
EPS 2 10.07 16.15 16.72 15.01 32.33 43.28 43.63 50.40
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 3.500 4.500 7.000 7.000 14.00 19.33 20.67 22.50
Announcement Date 20-01-29 21-01-27 22-02-10 23-02-27 24-02-13 - - -
1PKR in Million2PKR
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2020 S1 2021 S1 2021 Q4 2022 Q1 2022 Q2 2022 S1 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1
Net sales 27,078 - 14,187 20,063 - - - - - - - - -
EBITDA - - - - - - - - - - - - -
EBIT - - - - - - - - - - - - -
Operating Margin - - - - - - - - - - - - -
Earnings before Tax (EBT) 12,092 14,464 7,740 8,169 10,234 18,403 10,547 4,105 16,674 - - - -
Net income 7,244 9,127 4,536 4,940 - - 5,430 1,663 10,628 - - - -
Net margin 26.75% - 31.98% 24.62% - - - - - - - - -
EPS 1 6.520 8.210 4.080 4.450 4.190 8.630 4.890 1.490 9.560 6.830 10.24 5.700 9.210
Dividend per Share 1 - - 7.000 - - - - 7.000 - 4.500 4.500 5.000 3.500
Announcement Date 20-08-17 21-08-04 22-02-10 22-04-19 22-08-24 22-08-24 22-10-27 23-02-27 23-04-20 23-08-23 23-10-25 24-02-13 24-04-25
1PKR
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 20% 25.3% 21.8% 18% 32.2% 40.5% 39% -
ROA (Net income/ Total Assets) 0.95% 1.27% 1.1% - - 2% 2% 1.8%
Assets 1 1,173,937 1,410,985 1,686,327 - - 2,806,300 3,448,700 4,185,889
Book Value Per Share 2 55.60 72.30 81.20 86.00 - 141.0 179.0 -
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 20-01-29 21-01-27 22-02-10 23-02-27 24-02-13 - - -
1PKR in Million2PKR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
4
Last Close Price
113.1 PKR
Average target price
124 PKR
Spread / Average Target
+9.63%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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Commercial Banks
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