Habib Bank Limited HBL
Rs 301.30
Vol790,541Updated10:3030 Jul 2026
01—At a Glance
The headline take on HBL — valuation, income, returns, and efficiency
Consolidated snapshot
02—Price & Performance
Closing prices across timeframes, returns, and range context
HBL — Price History
Daily closing series · toggle period below
03—Key Metrics
Valuation, profitability, structure, and risk in one grid
04—Dividend History & Yield
Payout track record, yield trend, and upcoming distribution
HBL has paid Rs 21.50 per share in cash dividends over the trailing 12 months — a 7.1% yield at the last close. Its most recent payout was Rs 6.00/share, announced 17 Apr 2026 with book closure from 29 Apr 2026. Annual dividend-per-share history back to 2016 is charted below.
Latest Payout
Dividend Per Share Trend
Payout History
Source: PSX company payouts
| Announced | For Period | Type | Amount | Book Closure |
|---|---|---|---|---|
| 17 Apr 2026 | 31 Mar 2026 (IQ) | Cash | Rs 6.00(60%) | 29 Apr 2026 – 30 Apr 2026 |
| 18 Feb 2026 | 31 Dec 2025 (YR) | Cash | Rs 6.00(60%) | 23 Mar 2026 – 30 Mar 2026 |
| 23 Oct 2025 | 30 Sept 2025 (IIIQ) | Cash | Rs 5.00(50%) | 04 Nov 2025 – 05 Nov 2025 |
| 31 Jul 2025 | 30 Jun 2025 (HYR) | Cash | Rs 4.50(45%) | 12 Aug 2025 – 13 Aug 2025 |
| 25 Apr 2025 | 31 Mar 2025 (IQ) | Cash | Rs 4.50(45%) | 07 May 2025 – 09 May 2025 |
| 19 Feb 2025 | 31 Dec 2024 (YR) | Cash | Rs 4.25(42.5%) | 19 Mar 2025 – 26 Mar 2025 |
05—Financials & Earnings
Income, balance sheet, and key ratios from published accounts
HBL's market capitalisation stands at Rs 441.96B as of 30 Jul 2026 — up 35.0% over the past 12 months (from Rs 327.40B).
Financial Statements
How OGDC's income and balance sheet have evolved
| PKR Millions | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | Trend |
|---|---|---|---|---|---|---|---|
| Net Sales / Revenue | 361,107 | 342,134 | 299,584 | 212,294 | 167,730 | 160,699 | |
| Administrative Expenses | 200,700 | 192,474 | 170,130 | 124,807 | 95,785 | 94,018 | |
| Profit Before Tax | 148,091 | 120,334 | 113,551 | 77,030 | 62,028 | 53,031 | |
| Taxation | 81,327 | 62,530 | 55,794 | 42,632 | 26,521 | 22,117 | |
| Profit After Tax | 66,764 | 57,805 | 57,757 | 34,398 | 35,507 | 30,913 | |
| EPS - Basic (Rs) | Rs 45.48 | Rs 39.85 | Rs 39.32 | Rs 23.23 | Rs 23.88 | Rs 21.06 |
All figures in PKR millions from published accounts.
Profitability & Returns
Margins, returns on capital, and earnings per share
Latest · FY25
| Ratio | Value |
|---|---|
| Net profit margin | 18.5% |
Net profit margin
Net profit ÷ revenue · %
Financial Health
Coverage, leverage, and the strength of the balance sheet
Latest · FY25
| Ratio | Value |
|---|---|
| Effective tax rate | 54.9% |
Effective tax rate
Taxation ÷ profit before tax · %
Market cap trajectory
Close × current shares outstanding · current Rs 441.96B
Valuation & Capital Returns
What the market is paying for HBL, and what it returns to shareholders
Latest · FY25
| Ratio | Value |
|---|---|
| Price to earnings | 7.11x |
| Price to sales | 1.31x |
Price to earnings
Period-end price ÷ EPS · times
06—Technical Analysis
Trading signal, moving averages, momentum, and key levels
10-day SMA (Rs 301.60) is below the 30-day SMA (Rs 303.19). RSI at 50 sits in the neutral band.
Moving AverageThe average close over a set window (10/30/200 days) — smooths daily noise to reveal the trend.Read the full guide →
| Period | Value | vs Current | Position |
|---|---|---|---|
| SMA 10 | Rs 301.60 | +0.10% | Below |
| SMA 30 | Rs 303.19 | +0.63% | Below |
| SMA 60 | Rs 294.17 | -2.37% | Above |
| SMA 200 | Rs 303.29 | +0.66% | Below |
At 50, momentum sits within the neutral band (30–70), suggesting balanced buying and selling pressure.
- MACD1.02
- Signal1.83
- Histogram-0.80
07—Leverage Insights
MTS, margin financing, futures open interest, and combined exposure
Leverage Composition
MTS · MFS stacked over the selected window
As of 16 Jul 2026
Futures Blank Sale Insights
Blank sale value vs OI and free float
08—Settlement Insights
UIN-wise settlement concentration and price context
Metrics and charts over the selected trailing window
Settlement % Trajectory
Solid = UIN settlement % · Dashed = 14-session EMA
As of 16 Jul 2026
Price vs Settlement
Close price (left axis) · UIN settlement % (right axis)
10—About the Company
Business description, governance, and corporate information
Habib Bank Limited is incorporated in Pakistan and is engaged in commercial banking related services in Pakistan and overseas. The Aga Khan Fund for Economic Development (AKFED), S.A. is the parent company of the Bank and its registered office is in Geneva, Switzerland.
Corporate Information
- RegistrarCDC Share Registrar Services Limited CDC House, 99 – B, Block ‘B’, S.M.C.H.S., Main Shahra-e-Faisal Karachi
- AuditorA.F. Ferguson & Co. Chartered Accountants
- Websitewww.hbl.com
- Address9th Floor, Habib Bank tower, Jinnah Avenue, Blue Area, Islamabad
- SectorCommercial Banks
- Financial Year EndDecember
Key People
| Name | Role |
|---|---|
MNMuhammad Nassir Salim | CEO |
SASultan Ali Allana | Chairperson |
UNUzman Naveed Chaudhary | Company Secretary |
Reports & Filings
- Quarterly Report — 31 Mar 2026PDF
- Quarterly Report — 30 Sept 2025PDF
- Quarterly Report — 30 Jun 2025PDF
- Quarterly Report — 31 Mar 2025PDF
- Quarterly Report — 30 Sept 2024PDF
- Quarterly Report — 30 Jun 2024PDF
- Quarterly Report — 31 Mar 2024PDF
- Quarterly Report — 30 Sept 2023PDF
Sourced from official PSX financial-report submissions.
11—Recent Announcements
Latest company filings as reported on PSX
Filings and disclosures from the PSX announcement feed
- 23 Jul 2026Financial Results
- 24 Jun 2026OthersDisclosure of Interest by a Director CEO, or Executive of a listed company and their Spouses and the Substantial Shareholders u/c 5.6.1.(d) of PSX Regulations
- 17 Jun 2026Board Meetings
- 08 Jun 2026Board Meetings
- 07 May 2026OthersCredit of Interim Cash Dividend D-2026 (I)
- 07 May 2026Others
- 30 Apr 2026Others
- 28 Apr 2026Board Meetings
12—Peers in Commercial Banks
How the cohort is moving — same-sector stocks by market cap
HBL vs Commercial Banks sector median
| Metric | HBL | Sector median |
|---|---|---|
| P/E RatioShare price ÷ earnings per share — the price you pay for each rupee of annual profit. Compare within a sector.Read the full guide → | 6.6x | 6.5x |
| Dividend YieldTrailing-12-month cash dividends ÷ share price. A high yield can signal income — or a falling price.Read the full guide → | 7.1% | 7.1% |
| Return on EquityNet profit ÷ shareholders' equity — how hard the company works each rupee investors have put in.Read the full guide → | 14.8% | 17.1% |
| 1-Year Return | +33.0% | +27.0% |
| Market CapitalisationShare price × total shares — the company's full market value, and the basis for index weightings.Read the full guide → | Rs 441.96B | Rs 151.50B |
Commercial Banks · sector heat
13—Frequently Asked Questions
The most common questions investors ask about HBL
Frequently Asked Questions
HBL closed at Rs 301.30 on 30 Jul 2026, down 0.64% on the day, within a 52-week range of Rs 214.00–369.99. Prices on this page refresh through the trading day; log in to BSL for live quotes.
Habib Bank Limited is incorporated in Pakistan and is engaged in commercial banking related services in Pakistan and overseas. See About the Company on this page for the full profile, management, and corporate information.
HBL has paid Rs 21.50 per share in cash dividends over the trailing 12 months — a 7.1% yield at the last close. Review the payout history in the Dividends section and compare with the highest dividend yield stocks on PSX.
No upcoming payout is announced yet. The most recent was a payout of Rs 6.00 per share with book closure from 29 Apr 2026. New announcements appear on this page and on the PSX ex-dates calendar.
Yes — HBL is a KSE-100 constituent. See the full KSE-100 index constituents and weights. HBL is not currently on the PSX Shariah-compliant list.
HBL trades at 6.6x earnings against a Commercial Banks median of 6.5x, with a 7.1% dividend yield versus 7.1%. The full comparison table and peer list are in the Peers section, or explore the Commercial Banks sector page.
Like all Pakistani banks, Habib Bank Limited prices most of its lending off KIBOR, so the rate cycle drives its spread income: rising KIBOR generally widens lending margins, while falling rates compress them but lift loan demand and bond valuations. Track the benchmark on the daily KIBOR rates page.
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