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
 06:00:00 2024-06-06 pm EDT 		5-day change 1st Jan Change
98.66 PKR +0.80% Intraday chart for Bank AL Habib Limited -1.48% +22.50%
Apr. 29 Bank AL Habib Limited Reports Earnings Results for the First Quarter Ended March 31, 2024 CI
Feb. 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 89,514 109,653 - -
Enterprise Value (EV) 1 84,646 77,355 76,699 61,440 89,514 109,653 109,653 109,653
P/E ratio 7.56 x 4.31 x 4.13 x 3.68 x 2.49 x 2.28 x 2.26 x 1.96 x
Yield 4.6% 6.47% 10.1% 12.7% 17.4% 19.6% 20.9% 22.8%
Capitalization / Revenue 2.05 x 1.34 x 1.38 x 0.79 x - 0.57 x 0.45 x 0.39 x
EV / Revenue 2.05 x 1.34 x 1.38 x 0.79 x - 0.57 x 0.45 x 0.39 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 1.37 x 0.96 x 0.85 x 0.64 x - 0.7 x 0.55 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 98.66 98.66 98.66
Announcement Date 1/29/20 1/27/21 2/10/22 2/27/23 2/13/24 - - -
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 1/29/20 1/27/21 2/10/22 2/27/23 2/13/24 - - -
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 8/17/20 8/4/21 2/10/22 4/19/22 8/24/22 8/24/22 10/27/22 2/27/23 4/20/23 8/23/23 10/25/23 2/13/24 4/25/24
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 1/29/20 1/27/21 2/10/22 2/27/23 2/13/24 - - -
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
98.66 PKR
Average target price
121.8 PKR
Spread / Average Target
+23.40%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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Commercial Banks
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