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Bank AL Habib Ltd

KAR:BAHLFinancePSX:ALLSHRPSX:BKTI

Rs 150.88−0.40%LiveIn session · ≈ AED 2.00 · Market cap $608.33M · Next earnings Thu 22 Oct

Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	YoY
Operating margin	22.0%	22.6%	18.7%	17.1%	16.7%	17.2%	+0.5 pts
Net margin	13.3%	14.3%	7.5%	9.1%	8.3%	8.8%	+0.5 pts
Return on equity	22.3%	20.6%	17.4%	27.5%	27.0%	18.4%	−8.6 pts
Return on assets	1.2%	1.0%	0.7%	1.3%	1.3%	1.0%	−0.3 pts
Return on capital employed	4.6%	3.9%	5.2%	6.8%	8.2%	8.6%	+0.4 pts
Debt / equity	3.0×	3.8×	5.1×	4.5×	5.1×	2.4×	−52.0%
Debt / assets	15.9%	18.8%	21.7%	21.2%	23.7%	12.9%	−10.8 pts
Interest coverage	6.6×	6.1×	3.2×	3.4×	4.1×	5.2×	+26.9%
Current ratio	0.2×	0.2×	0.1×	0.2×	0.1×	0.1×	−6.2%
Quick ratio	0.2×	0.2×	0.1×	0.2×	0.1×	0.1×	−6.2%
Asset turnover	0.1×	0.1×	0.1×	0.1×	0.2×	0.1×	−27.2%
Dividend payout	21.4%	26.5%	46.1%	48.7%	40.6%	57.5%	+16.9 pts