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Habib Bank Ltd

KAR:HBLFinancePSX:ALLSHRPSX:BKTI

Rs 289.77−0.22%LiveIn session · ≈ AED 3.85 · Market cap $1.54B

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Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	Trend	YoY
Operating margin	17.3%	19.9%	16.6%	13.9%	11.4%	18.3%		+7.0 pts
Net margin	10.4%	11.8%	7.1%	7.6%	6.6%	8.8%		+2.2 pts
Return on equity	11.8%	12.5%	12.1%	15.9%	14.3%	13.7%		−0.6 pts
Return on assets	0.8%	0.8%	0.7%	1.0%	1.0%	0.9%		−0.1 pts
Return on capital employed	4.1%	3.9%	6.3%	6.3%	6.4%	6.1%		−0.4 pts
Debt / equity	3.4×	2.9×	2.7×	2.6×	2.4×	3.5×		+47.8%
Debt / assets	23.0%	19.0%	16.4%	16.8%	16.1%	22.2%		+6.2 pts
Interest coverage	3.0×	3.8×	3.5×	2.5×	2.0×	3.6×		+76.9%
Current ratio	0.3×	0.3×	0.2×	0.3×	0.2×	0.2×		−0.6%
Quick ratio	0.3×	0.3×	0.2×	0.3×	0.2×	0.2×		−0.6%
Asset turnover	0.1×	0.1×	0.1×	0.1×	0.1×	0.1×		−32.6%
Dividend payout	11.9%	31.0%	24.9%	21.4%	43.2%	39.9%		−3.3 pts

Margins, returns, leverage and liquidityUpdated 31 Dec 2025 ·

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