Obermatt
See Similar Stocks →

Habib Bank

PSX:HBL · PK0085101019
BanksSmall

360

73
Profit price76
Cash yield71
Price/Sales97
EV / Gross Profit37
Price/Book87
Returns on capital21
Profit margins—
Cash Conversion98
Accruals14
Owner Earnings Margin18
Sales growth4
Profit Growth20
Owner Earnings Growth52
Reinvestment76
Price momentum100
Debt load10
Debt serviceability65
Liquidity9
Analyst ratings87
Opinion Changes50
Price Target Upside82
Market mood19
Value Creation10/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Habib Bank clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountrySwitzerland
IndustryBanks
SizeSmall
TypePublic Company
ExchangeKASE
Employees12,366
Websitehbl.com
ISINPK0085101019
Last UpdateApr 2, 2026
Index & Theme
Asset ManagementBankingFinancial Services

Description

Habib Bank Limited, together with its subsidiaries, provides commercial banking related services in Pakistan, the Middle East, Africa, Asia, and Europe. The company operates as a subsidiary of The Aga Khan Fund for Economic Development S.A. Segments…

Analysis

Bargain bin

Habib Bank Limited falls in the bargain bin: the price is low relative to peers, but the business metrics give reason to pause.

The price is attractive. You pay 8.1× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone.

The trajectory is moderate and the balance sheet is stretched. The company scores 10/20 on our value-creation score: creating some value. Analysts lean positive.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
30
2023202420252026

All-time high

100

Jan 2024

All-time low

30

Jun 2026

Average rank

62

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
97
98
98
85
Price/Earnings
95
89
95
95
Price/Book
87
80
84
70
Dividend Yield
71
94
98
100
Value (overall)
97
97
100
100

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

Similar Stocks

The companies this stock is ranked against.

Compare Habib Bank with its peers
Bank of Ireland
ISE:BIRG
29
CountryIreland
IndustryBanks
SizeMedium
Full Stock Analysis →
Valiant
SWX:VATN
13
CountrySwitzerland
IndustryBanks
SizeSmall
Full Stock Analysis →
Luzerner Kantonalbank
SWX:LUKN
12
CountrySwitzerland
IndustryBanks
SizeSmall
Full Stock Analysis →
Bank of Cyprus
CYS:BOCH
89
CountryIreland
IndustryBanks
SizeSmall
Full Stock Analysis →
Barclays
LSE:BARC
56
CountryUK
IndustryBanks
SizeMedium
Full Stock Analysis →
Alpha Bank
ATH:ALPHA
89
CountryGreece
IndustryBanks
SizeSmall
Full Stock Analysis →

Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →