Habib Bank Limited (HBL) financial ratios

Habib Bank Limited earned a net margin of 18.9% in FY2025 against a five-year average of 18.9% (Commercial Banks median 22.2%). Return on equity was 14.9%, compared with a sector median of 17.0%.

FY2025 vs the Commercial Banks median

Net margin: 18.9%; Sector median 22.2%
Return on equity (ROE): 14.9%; Sector median 17.0%
Return on assets (ROA): 1.0%; Sector median 1.2%
Debt to equity: 273.4%; Sector median 253.4%
Dividend payout ratio: 40.1%; Sector median 50.4%

Median of the 19 companies in the sector with the figure for their latest fiscal year.

HBL financial ratios (annual) (Rs mn)
Rs mn	FY2025 Jan – Dec 2025	FY2024 * Jan – Dec 2024	FY2023 Jan – Dec 2023	FY2022 * Jan – Dec 2022	FY2021 * Jan – Dec 2021	FY2020 Jan – Dec 2020	FY2019 * Jan – Dec 2019	FY2018 * Jan – Dec 2018	FY2017 * Jan – Dec 2017	FY2016 * Jan – Dec 2016	FY2015 * Jan – Dec 2015	FY2014 * Jan – Dec 2014	FY2013 * Jan – Dec 2013	FY2012 * Jan – Dec 2012	FY2011 Jan – Dec 2011	FY2010 * Jan – Dec 2010	FY2009 * Jan – Dec 2009	FY2008 * Jan – Dec 2008	FY2007 * Jan – Dec 2007	FY2006 Jan – Dec 2006
Profitability
Pre-tax margin	41.9%	35.9%	39.2%	37.0%	38.0%	33.9%	23.9%	22.0%	26.1%	52.0%	54.6%	55.0%	51.1%	51.1%	51.1%	48.0%	42.3%	38.5%	39.1%	51.3%
Net margin	18.9%	17.3%	19.9%	16.5%	21.7%	19.7%	12.8%	12.7%	7.8%	31.5%	31.8%	35.9%	32.6%	32.8%	33.2%	48.7%	40.4%	24.7%	26.1%	34.6%
Effective tax rate	54.9%	52.0%	49.1%	55.3%	42.8%	41.7%	46.3%	42.4%	70.0%	39.5%	41.8%	34.8%	36.3%	35.9%	34.9%	(1.4%)	4.6%	35.8%	33.4%	32.6%
Returns
Return on equity (ROE)	14.9%	15.1%	17.9%	12.1%	13.0%	12.8%	7.4%	6.3%	4.5%	18.2%	20.1%	20.5%	16.8%	18.9%	21.8%	30.5%	27.4%	17.3%	17.9%	27.2%
Return on assets (ROA)	1.0%	1.0%	1.1%	0.8%	0.9%	0.9%	0.5%	0.4%	0.3%	1.4%	1.7%	1.8%	1.4%	1.7%	2.2%	3.1%	2.5%	1.5%	1.6%	2.3%
Leverage
Debt to equity	273.4%	238.4%	209.5%	239.2%	181.6%	237.7%	200.3%	289.0%	233.9%	190.0%	193.0%	73.9%	91.2%	166.5%	53.3%	56.6%	79.2%	91.6%	128.7%	123.3%
Debt to capital	73.2%	70.4%	67.7%	70.5%	64.5%	70.4%	66.7%	74.3%	70.1%	65.5%	65.9%	42.5%	47.7%	62.5%	34.8%	36.2%	44.2%	47.8%	56.3%	55.2%
Debt to assets	17.3%	16.2%	13.9%	14.7%	11.9%	16.4%	14.0%	19.0%	16.4%	14.8%	15.9%	6.7%	7.6%	13.7%	5.1%	5.9%	7.7%	8.1%	11.3%	11.1%
Assets to equity	15.30×	14.92×	15.63×	15.75×	14.87×	14.43×	14.75×	14.75×	13.55×	12.50×	11.59×	11.47×	12.09×	11.35×	10.03×	9.90×	10.71×	11.37×	11.29×	11.87×
Dividends
Dividend payout ratio	40.1%	40.8%	24.8%	29.1%	34.6%	11.9%	47.8%	51.7%	138.1%	60.3%	58.5%	55.7%	46.7%	40.1%	34.8%	23.9%	20.5%	38.7%	0.0%	5.5%
Earnings retention rate	0.60×	0.59×	0.75×	0.71×	0.65×	0.88×	0.52×	0.48×	(0.38×)	0.40×	0.42×	0.44×	0.53×	0.60×	0.65×	0.76×	0.80×	0.61×	1.00×	0.95×

Ratios as reported for each fiscal year; returns are on average equity / assets. Debt ratios are percentages; turnover in times; working-capital measures in days.

HBL: frequently asked questions

What is HBL's EPS?

Habib Bank Limited reported basic earnings per share of Rs 45.48 for FY2025 (Jan – Dec 2025). Over the trailing twelve months (TTM to Jun 2026) EPS was Rs 45.55.

What is HBL's P/E ratio?

At the closing price of Rs 290.42 on 16 Oct 2026, HBL trades at a P/E of 6.4× based on EPS of Rs 45.55 (TTM to Jun 2026).

Does HBL pay dividends?

Yes. Habib Bank Limited declared a dividend of Rs 20.00 per share for FY2025. It has paid a dividend in each of the last 20 years. At Rs 290.42 that is a dividend yield of 6.9%.

What was HBL's total income and profit in FY2025?

Habib Bank Limited reported total income of Rs 353.3 bn and profit attributable to shareholders of Rs 66.7 bn for FY2025 (Jan – Dec 2025).

What is HBL's book value per share?

Habib Bank Limited's book value per share was Rs 331.97 at the end of FY2025. The shares trade at 0.88× book value.

Information only, not investment advice.