Bank AL Habib Limited (BAHL) financial ratios

Bank AL Habib Limited earned a net margin of 20.4% in FY2025 against a five-year average of 22.6% (Commercial Banks median 22.2%). Return on equity was 19.6%, compared with a sector median of 17.0%.

FY2025 vs the Commercial Banks median

Net margin: 20.4%; Sector median 22.2%
Return on equity (ROE): 19.6%; Sector median 17.0%
Return on assets (ROA): 1.0%; Sector median 1.2%
Debt to equity: 225.1%; Sector median 253.4%
Dividend payout ratio: 51.4%; Sector median 50.4%

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

BAHL 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	42.9%	48.0%	49.7%	34.3%	44.5%	43.0%	38.5%	38.2%	42.0%	45.7%	43.1%	45.0%	43.2%	50.3%	44.3%	45.5%	43.0%	40.4%	50.0%	54.3%
Net margin	20.4%	23.2%	24.8%	17.3%	27.4%	26.9%	22.7%	22.6%	25.7%	28.2%	25.8%	29.0%	29.7%	31.1%	28.1%	29.2%	27.4%	27.1%	36.1%	35.6%
Effective tax rate	52.4%	51.7%	50.1%	49.5%	38.5%	37.5%	41.2%	40.9%	38.8%	38.3%	40.2%	35.7%	31.2%	38.2%	36.6%	35.9%	36.2%	33.0%	27.8%	34.5%
Returns
Return on equity (ROE)	19.6%	29.3%	31.8%	18.0%	21.8%	25.3%	20.0%	17.6%	19.1%	20.1%	20.7%	22.0%	21.0%	25.2%	25.3%	24.3%	22.6%	23.8%	29.6%	30.1%
Return on assets (ROA)	1.0%	1.4%	1.4%	0.8%	1.1%	1.3%	1.0%	0.8%	1.0%	1.2%	1.2%	1.2%	1.1%	1.3%	1.3%	1.3%	1.4%	1.5%	1.7%	1.7%
Leverage
Debt to equity	225.1%	491.1%	435.8%	530.6%	398.4%	333.3%	439.5%	309.3%	354.7%	260.1%	194.4%	273.1%	164.7%	338.2%	280.5%	187.5%	292.2%	149.4%	179.1%	215.5%
Debt to capital	69.2%	83.1%	81.3%	84.1%	79.9%	76.9%	81.5%	75.6%	78.0%	72.2%	66.0%	73.2%	62.2%	77.2%	73.7%	65.2%	74.5%	59.9%	64.2%	68.3%
Debt to assets	12.0%	22.9%	20.8%	22.4%	19.5%	17.6%	21.0%	14.7%	17.4%	14.8%	11.6%	15.6%	9.1%	17.9%	14.5%	10.1%	16.6%	9.8%	10.7%	12.4%
Assets to equity	20.00×	21.22×	22.15×	22.15×	19.74×	19.82×	20.98×	20.71×	19.02×	17.16×	17.12×	17.75×	18.42×	19.06×	19.00×	18.12×	16.49×	15.86×	17.07×	17.30×
Dividends
Dividend payout ratio	51.4%	45.1%	43.3%	46.6%	26.9%	21.7%	34.7%	32.9%	39.2%	47.8%	53.0%	51.8%	38.9%	54.9%	48.4%	40.0%	42.0%	25.2%	25.1%	22.3%
Earnings retention rate	0.49×	0.55×	0.57×	0.53×	0.73×	0.78×	0.65×	0.67×	0.61×	0.52×	0.47×	0.48×	0.61×	0.45×	0.52×	0.60×	0.58×	0.75×	0.75×	0.78×

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.

BAHL: frequently asked questions

What is BAHL's EPS?

Bank AL Habib Limited reported basic earnings per share of Rs 29.19 for FY2025 (Jan – Dec 2025). Over the trailing twelve months (TTM to Jun 2026) EPS was Rs 25.24.

What is BAHL's P/E ratio?

At the closing price of Rs 151.48 on 16 Oct 2026, BAHL trades at a P/E of 6.0× based on EPS of Rs 25.24 (TTM to Jun 2026).

Does BAHL pay dividends?

Yes. Bank AL Habib Limited declared a dividend of Rs 15.00 per share for FY2025. It has paid a dividend in each of the last 20 years. At Rs 151.48 that is a dividend yield of 9.9%.

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

Bank AL Habib Limited reported total income of Rs 158.9 bn and profit attributable to shareholders of Rs 32.4 bn for FY2025 (Jan – Dec 2025).

What is BAHL's book value per share?

Bank AL Habib Limited's book value per share was Rs 158.50 at the end of FY2025. The shares trade at 0.91× book value.

Information only, not investment advice.