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Inv. Banks / Inv. Cos. / Securities Cos.

AHL Arif Habib Limited

Latest results: FY2026 · Jun 2026

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Last close · 16 Oct 2026

Rs 111.07 +0.52%

Quarterly · Q1 FY2022 – Q4 FY2026

Arif Habib Limited (AHL) quarterly income statement

Arif Habib Limited reported revenue of Rs 1.2 bn for Q4 FY2026 (Apr – Jun 2026), up 58.6% on Q4 FY2025. Tax of Rs 313.7 mn took 43.7% of pre-tax profit. Profit attributable to shareholders was Rs 404.5 mn, up 79.3% on Q4 FY2025, or Rs 6.19 per share.

AHL income statement (quarterly) (Rs mn)
Rs mn TTM to Jun 2026 Q4 FY2026 Apr – Jun 2026 Q3 FY2026 Jan – Mar 2026 Q2 FY2026 Oct – Dec 2025 Q1 FY2026 Jul – Sep 2025 Q4 FY2025 Apr – Jun 2025 Q3 FY2025 Jan – Mar 2025 Q2 FY2025 Oct – Dec 2024 Q1 FY2025 Jul – Sep 2024
Revenue 3,495.6 1,198.0 585.1 1,081.1 631.5 755.1 578.4 1,014.5 333.0
Operating expenses (1,659.0) (553.4) (217.3) (586.4) (301.9) (458.2) (163.6) (480.9) (138.2)
Finance cost — — — — — — — — —
Profit before tax 1,669.4 718.2 311.9 337.5 301.8 390.4 334.6 436.9 190.0
Taxation (489.2) (313.7) (52.0) (70.6) (52.9) (164.7) (88.7) (67.2) (49.8)
Profit after tax 1,180.2 404.5 259.8 266.9 248.9 225.7 245.9 369.7 140.2
Profit attributable to shareholders 1,180.2 404.5 259.8 266.9 248.9 225.7 245.9 369.7 140.2
Per share
EPS – basic (Rs) Rs 18.06 6.19 3.98 4.08 3.81 3.45 3.76 5.66 2.15
Dividend per share (Rs) Rs 12.50 12.50 0.00 0.00 0.00 10.00 0.00 0.00 0.00
AHL income statement — year-on-year change (Rs mn)
Rs mn Q4 FY2026 Apr – Jun 2026 Q3 FY2026 Jan – Mar 2026 Q2 FY2026 Oct – Dec 2025 Q1 FY2026 Jul – Sep 2025 Q4 FY2025 Apr – Jun 2025 Q3 FY2025 Jan – Mar 2025 Q2 FY2025 Oct – Dec 2024 Q1 FY2025 Jul – Sep 2024
Revenue +58.6% +1.1% +6.6% +89.6% — +40.5% +185.9% +48.2%
Operating expenses +20.8% +32.9% +21.9% +118.4% +57.5% +22.0% +225.8% +16.5%
Finance cost — — — — — — — —
Profit before tax +84.0% -6.8% -22.8% +58.9% — +29.1% +237.9% +140.7%
Taxation +90.5% -41.3% +5.1% +6.3% +101.3% +1,034.7% — +163.0%
Profit after tax +79.3% +5.7% -27.8% +77.5% — -2.2% +184.7% +133.7%
Profit attributable to shareholders +79.3% +5.7% -27.8% +77.5% — -2.2% +184.7% +133.7%
Per share
EPS – basic (Rs) +79.4% +5.9% -27.9% +77.5% — -2.3% +184.7% +133.7%
Dividend per share (Rs) +25.0% — — — +100.0% — — —

Change against the same quarter a year earlier; shown when the earlier figure is positive.

AHL income statement — common size (Rs mn)
Rs mn Q4 FY2026 Apr – Jun 2026 Q3 FY2026 Jan – Mar 2026 Q2 FY2026 Oct – Dec 2025 Q1 FY2026 Jul – Sep 2025 Q4 FY2025 Apr – Jun 2025 Q3 FY2025 Jan – Mar 2025 Q2 FY2025 Oct – Dec 2024 Q1 FY2025 Jul – Sep 2024
Revenue 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0%
Operating expenses (46.2%) (37.1%) (54.2%) (47.8%) (60.7%) (28.3%) (47.4%) (41.5%)
Finance cost — — — — — — — —
Profit before tax 60.0% 53.3% 31.2% 47.8% 51.7% 57.8% 43.1% 57.0%
Taxation (26.2%) (8.9%) (6.5%) (8.4%) (21.8%) (15.3%) (6.6%) (14.9%)
Profit after tax 33.8% 44.4% 24.7% 39.4% 29.9% 42.5% 36.4% 42.1%
Profit attributable to shareholders 33.8% 44.4% 24.7% 39.4% 29.9% 42.5% 36.4% 42.1%

Each line as a percentage of revenue.

Figures in Pakistani rupees as reported by the company; costs and cash outflows in brackets; "—" = not reported. TTM = the latest four quarters added together. Updated 16 Oct 2026.

All reported line items 107
AHL income statement — all reported line items (Rs mn)
Rs mn Q4 FY2026 Apr – Jun 2026 Q3 FY2026 Jan – Mar 2026 Q2 FY2026 Oct – Dec 2025 Q1 FY2026 Jul – Sep 2025 Q4 FY2025 Apr – Jun 2025 Q3 FY2025 Jan – Mar 2025 Q2 FY2025 Oct – Dec 2024 Q1 FY2025 Jul – Sep 2024
Net Commission & Fees Income/Expense - Business Revenue 751.4 577.8 526.0 433.8 393.5 374.5 526.4 281.4
Fees & Commissions Income 751.4 577.8 526.0 433.8 393.5 374.5 526.4 281.4
Investments & Loans - Business - Gain/(Loss) 446.6 7.2 555.1 197.6 361.6 203.9 488.1 51.6
Capital Gains/(Losses) - Unrealized - Total — — — — — — — 3.2
Investment Securities - Business - Gain/(Loss) 446.6 7.2 555.1 197.6 361.6 203.9 488.1 48.4
Trading Investments - Realized Gain/(Loss) 327.3 67.0 544.1 221.9 379.2 284.6 384.8 48.4
Trading Investments/Trading Account Income - Gain/(Loss) 446.6 7.2 555.1 197.6 361.6 203.9 488.1 48.4
Trading Investments - Unrealized Gain/(Loss) 119.2 (59.7) 11.0 (24.2) (17.6) (80.7) 103.2 —
Revenue from Business Activities - Total 1,198.0 585.1 1,081.1 631.5 755.1 578.4 1,014.5 333.0
Cost of Operating Revenue 39.2 41.5 40.8 27.3 14.0 36.7 30.6 4.3
Cost of Financing-Related Operations 39.2 41.5 40.8 27.3 14.0 36.7 30.6 4.3
Selling, General & Administrative Expenses - Total 688.2 271.1 688.0 367.9 505.7 230.5 626.9 192.8
Selling, General & Administrative Expenses - Unclassified — — — — — — — —
Depreciation in Selling, General & Administrative Expenses — — — — — — — —
Amortization of Intangibles in Selling, General & Administrative Expenses — — — — — — — —
Other Operating Expense/(Income) - Net (134.9) (53.8) (101.6) (66.0) (47.5) (66.9) (146.0) (54.6)
Other Operating Income - Total 153.2 53.8 113.8 66.0 68.2 66.9 192.5 54.6
Operating Expenses - Total 592.6 258.8 627.2 329.3 472.2 200.2 511.5 142.6
Operating Expenses - before Interest Expenses & Provision for Loan Losses - Total 553.4 217.3 586.4 301.9 458.2 163.6 480.9 138.2
Operating Profit before Non-Recurring Income/(Expense) 605.4 326.2 453.9 302.2 282.9 378.2 503.0 190.5
Financing Income/(Expense) - Net - Total — — — — — — — —
Interest Expense - Net of (Interest Income) — — — — — — — —
Other Operating Expense 18.3 — 12.2 — 20.7 — 46.6 —
Interest Expense - Net of Capitalized Interest — — — — — — — —
Non-Interest Financial Income/(Expense) - Total — — — — — — — —
Non-Interest Financial Income/(Expense) - Other - Net — — — — — — — —
Sale of Tangible & Intangible Fixed Assets - Gain/Loss — — — — 0.0 0.0 0.0 —
Other Non-Operating Income/(Expense) - Total 112.8 (14.4) (116.4) (0.4) 107.4 (43.6) (66.1) (0.5)
Normalized Pre-tax Profit 718.2 311.9 337.5 301.8 390.4 334.6 436.9 190.0
Non-Recurring Income/Expense - Total — — — — 0.0 0.0 0.0 —
Interest Income - Non-Bank — — — — — — — —
Early Extinguishment of Lease Related Debts - Gain/(Loss) — — — — — — — —
Fair Value Adjustments - Investment Property — — — — 0.0 0.0 0.0 —
Provision for Income Tax Expense- Unclassified 313.7 52.0 70.6 52.9 164.7 88.7 67.2 49.8
Income before Taxes 718.2 311.9 337.5 301.8 390.4 334.6 436.9 190.0
Income Taxes 313.7 52.0 70.6 52.9 164.7 88.7 67.2 49.8
Net Income after Tax 404.5 259.8 266.9 248.9 225.7 245.9 369.7 140.2
Income before Discontinued Operations & Extraordinary Items 404.5 259.8 266.9 248.9 225.7 245.9 369.7 140.2
Sale of Discontinued Operations - Net - Gain/(Loss) — — — — — — — —
Net Income before Minority Interest 404.5 259.8 266.9 248.9 225.7 245.9 369.7 140.2
Net Income after Minority Interest 404.5 259.8 266.9 248.9 225.7 245.9 369.7 140.2
Income Available to Common Shares 404.5 259.8 266.9 248.9 225.7 245.9 369.7 140.2
Extraordinary Activities - after Tax - Gain/(Loss) — — — — — — — —
Discontinued Operations - Net of Taxes - Total - Income/(Expense) — — — — — — — —
DPS - Common - Gross - Issue - By Period End Date Rs 12.50 0.00 0.00 0.00 10.00 0.00 0.00 0.00
Net Income - Basic - including Extraordinary Items Applicable to Common - Total 404.5 259.8 266.9 248.9 225.7 245.9 369.7 140.2
Income available to Common excluding Extraordinary Items 404.5 259.8 266.9 248.9 225.7 245.9 369.7 140.2
Shares used to calculate Basic EPS - Total mn 65.3 65.3 65.4 65.3 65.4 65.4 65.3 65.3
EPS - Basic - including Extraordinary Items Applicable to Common - Total Rs 6.19 3.98 4.08 3.81 3.45 3.76 5.66 2.15
EPS - Basic - excluding Extraordinary Items Applicable to Common - Total Rs 6.19 3.98 4.08 3.81 3.45 3.76 5.66 2.15
EPS - Basic - excluding Extraordinary Items - Normalized - Total Rs 6.19 3.98 4.08 3.81 3.45 3.76 5.66 2.15
Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific 404.5 259.8 266.9 248.9 225.7 245.9 369.7 140.2
Earnings Allocation Factor - Basic - Issue Specific 1.00× 1.00× 1.00× 1.00× 1.00× 1.00× 1.00× 1.00×
Shares used to calculate Basic EPS - Issue Specific mn 65.3 65.3 65.4 65.3 65.4 65.4 65.3 65.3
EPS - Basic - including Extraordinary Items Applicable to Common - Issue Specific Rs 6.19 3.98 4.08 3.81 3.45 3.76 5.66 2.15
EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific Rs 6.19 3.98 4.08 3.81 3.45 3.76 5.66 2.15
EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific Rs 6.19 3.98 4.08 3.81 3.45 3.76 5.66 2.15
EPS - Basic from Discontinued Operations & Extraordinary Items Rs 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Income - Diluted - including Extraordinary Items Applicable to Common - Total 404.5 259.8 266.9 248.9 225.7 245.9 369.7 140.2
Diluted Income available to Common excluding Extraordinary Items 404.5 259.8 266.9 248.9 225.7 245.9 369.7 140.2
Shares used to calculate Diluted EPS - Total mn 65.3 65.3 65.4 65.3 65.4 65.4 65.3 65.3
EPS - Diluted - including Extraordinary Items Applicable to Common - Total Rs 6.19 3.98 4.08 3.81 3.45 3.76 5.66 2.15
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total Rs 6.19 3.98 4.08 3.81 3.45 3.76 5.66 2.15
EPS - Diluted - excluding Extraordinary Items - Normalized - Total Rs 6.19 3.98 4.08 3.81 3.45 3.76 5.66 2.15
Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue Specific 404.5 259.8 266.9 248.9 225.7 245.9 369.7 140.2
Earnings Allocation Factor - Diluted - Issue Specific 1.00× 1.00× 1.00× 1.00× 1.00× 1.00× 1.00× 1.00×
Shares used to calculate Diluted EPS - Issue Specific mn 65.3 65.3 65.4 65.3 65.4 65.4 65.3 65.3
EPS - Diluted - including Extraordinary Items Applicable to Common - Issue Specific Rs 6.19 3.98 4.08 3.81 3.45 3.76 5.66 2.15
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific Rs 6.19 3.98 4.08 3.81 3.45 3.76 5.66 2.15
EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific Rs 6.19 3.98 4.08 3.81 3.45 3.76 5.66 2.15
EPS - Diluted from Discontinued Operations & Extraordinary Items Rs 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
DPS - Common - Gross - Issue - By Announcement Date Rs 0.00 0.00 0.00 10.00 0.00 0.00 5.00 0.00
DPS - Common - Net - Issue - By Announcement Date Rs 0.00 0.00 0.00 9.00 0.00 0.00 4.50 0.00
Earnings before Interest & Taxes (EBIT) 605.4 326.2 453.9 302.2 282.9 378.2 503.0 190.5
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) 635.4 341.4 467.9 316.9 296.8 386.3 515.2 198.2
Depreciation & Amortization - Supplemental — — — — — — — —
Depreciation Expense - Total - Supplemental — — — — — — — —
Depreciation - Financial Lease Right-of-Use Assets - Supplemental — — — — — — — —
Amortization - Total - Supplemental — — — — — — — —
Intangible Amortization - Other - Supplemental — — — — — — — —
Amortization of Computer Software - Supplemental — — — — — — — —
Depreciation, Depletion & Amortization - Total 29.9 15.2 14.0 14.6 13.9 8.1 12.2 7.7
Depreciation - Total 29.9 15.2 14.0 14.6 13.9 8.1 12.1 7.7
Amortization of Intangible Assets excluding Goodwill - Total 0.0 0.0 0.0 0.0 0.0 0.0 0.1 0.0
Normalized after Tax Profit 404.5 259.8 266.9 248.9 225.7 245.9 369.7 140.2
Normalized Net Income from Continuing Operations 404.5 259.8 266.9 248.9 225.7 245.9 369.7 140.2
Normalized Net Income - Bottom Line 404.5 259.8 266.9 248.9 225.7 245.9 369.7 140.2
Earnings before Interest & Taxes (EBIT) - Normalized 718.2 311.9 337.5 301.8 390.4 334.6 436.9 190.0
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized 748.2 327.1 351.5 316.4 404.3 342.7 449.1 197.7
Depreciation of Financial Lease Right-of-Use Assets — — — — — — — —
Interest Expense on Financial Lease Liabilities - Supplemental — — — — — — — —
Interest Expense — — — — — — — —
Operating Expenses 592.6 258.8 627.2 329.3 472.2 200.2 511.5 142.6
Selling, General & Administrative Expenses excluding Research & Development Expenses 688.2 271.1 688.0 367.9 505.7 230.5 626.9 192.8
Income before Taxes & Provision for Loan Losses 718.2 311.9 337.5 301.8 390.4 334.6 436.9 190.0
Cost of Revenue including Operation & Maintenance (Utility) - Total 39.2 41.5 40.8 27.3 14.0 36.7 30.6 4.3
Cost of Revenues excluding Depreciation 39.2 41.5 40.8 27.3 14.0 36.7 30.6 4.3
DPS - Common - Gross - Issue - By Payable Date Rs 0.00 0.00 10.00 0.00 0.00 0.00 5.00 0.00
DPS - Common - Gross - Issue - By Ex Date Rs 0.00 0.00 0.00 10.00 0.00 0.00 5.00 0.00
Tax Adjusted Operating Income 404.5 259.8 266.9 248.9 225.7 245.9 369.7 140.2
Operating Expenses excluding Non-Cash Charges - Total 562.6 243.6 613.2 314.6 458.3 192.1 499.3 134.8
Revenue Net of Interest Expense Before Loan Loss Provision 1,198.0 585.1 1,081.1 631.5 755.1 578.4 1,014.5 333.0
Income from Earning Assets 893.1 14.4 1,110.2 395.3 723.2 407.8 976.1 96.9
Income Available to Common Shares before Depreciation & Amortization 434.5 275.0 280.9 263.5 239.6 254.0 382.0 147.9
Fixed Charges — — — — — — — —
Estimated Tax Rate 0.29× 0.29× 0.29× 0.29× 0.29× 0.29× 0.29× 0.29×
Total Common & Spl DPS -Gross - Issue - By Announcement Date Rs 0.00 0.00 0.00 10.00 0.00 0.00 5.00 0.00

Every line the company reported, in the original order and wording, without regrouping or signs changed.