Habib Metropolitan Bank Limited (HMB) financial ratios

Habib Metropolitan Bank Limited earned a net margin of 25.2% in FY2025 against a five-year average of 28.5% (Commercial Banks median 22.2%). Return on equity was 18.5%, compared with a sector median of 17.0%.

FY2025 vs the Commercial Banks median

Net margin: 25.2%; Sector median 22.2%
Return on equity (ROE): 18.5%; Sector median 17.0%
Return on assets (ROA): 1.4%; Sector median 1.2%
Debt to equity: 253.4%; Sector median 253.4%
Dividend payout ratio: 20.8%; Sector median 50.4%

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

HMB 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	54.5%	57.8%	60.1%	51.9%	53.7%	52.1%	45.9%	46.6%	48.1%	50.8%	53.7%	44.0%	37.6%	37.2%	36.5%	36.1%	41.5%	52.7%	62.5%	72.0%
Net margin	25.2%	27.5%	28.6%	27.2%	33.9%	31.5%	27.5%	28.9%	29.6%	30.1%	32.8%	29.7%	25.9%	25.0%	25.9%	25.2%	26.9%	36.4%	41.6%	48.0%
Effective tax rate	53.7%	52.4%	52.5%	47.6%	37.0%	39.5%	40.1%	37.9%	38.3%	40.8%	38.9%	32.6%	31.1%	32.6%	29.2%	30.2%	35.0%	30.9%	33.5%	33.3%
Returns
Return on equity (ROE)	18.5%	23.8%	29.1%	20.8%	22.3%	23.5%	16.3%	15.9%	14.1%	16.0%	21.4%	15.8%	12.6%	12.9%	14.7%	14.4%	16.3%	23.1%	22.9%	25.5%
Return on assets (ROA)	1.4%	1.7%	1.7%	1.1%	1.2%	1.3%	0.9%	1.0%	1.0%	1.2%	1.7%	1.4%	1.1%	1.1%	1.2%	1.1%	1.3%	1.9%	1.7%	1.8%
Leverage
Debt to equity	253.4%	322.0%	379.6%	484.4%	518.6%	368.2%	337.0%	161.1%	197.5%	114.0%	102.6%	86.5%	96.6%	174.5%	301.9%	320.5%	380.2%	218.2%	245.6%	286.5%
Debt to capital	71.7%	76.3%	79.1%	82.9%	83.8%	78.6%	77.1%	61.7%	66.4%	53.3%	50.6%	46.4%	49.1%	63.6%	75.1%	76.2%	79.2%	68.6%	71.1%	74.1%
Debt to assets	20.1%	25.5%	23.7%	27.0%	28.1%	22.0%	18.6%	9.6%	13.0%	8.6%	7.7%	7.6%	8.7%	16.2%	25.4%	25.8%	30.1%	17.9%	19.2%	20.9%
Assets to equity	12.62×	14.15×	16.88×	18.18×	17.63×	17.32×	17.49×	15.96×	14.28×	13.27×	12.39×	11.30×	10.96×	11.31×	12.13×	12.53×	12.43×	12.46×	13.18×	13.86×
Dividends
Dividend payout ratio	20.8%	18.9%	23.5%	23.7%	23.3%	17.4%	39.4%	33.9%	55.4%	51.3%	27.3%	53.0%	59.4%	61.7%	47.8%	26.8%	27.4%	0.0%	17.9%	0.0%
Earnings retention rate	0.79×	0.81×	0.77×	0.76×	0.77×	0.83×	0.61×	0.66×	0.45×	0.49×	0.73×	0.47×	0.41×	0.38×	0.52×	0.73×	0.73×	1.00×	0.82×	1.00×

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.

HMB: frequently asked questions

What is HMB's EPS?

Habib Metropolitan Bank Limited reported basic earnings per share of Rs 21.63 for FY2025 (Jan – Dec 2025). Over the trailing twelve months (TTM to Jun 2026) EPS was Rs 19.35.

What is HMB's P/E ratio?

At the closing price of Rs 95.89 on 16 Oct 2026, HMB trades at a P/E of 5.0× based on EPS of Rs 19.35 (TTM to Jun 2026).

Does HMB pay dividends?

Yes. Habib Metropolitan Bank Limited declared a dividend of Rs 12.00 per share for FY2025. It has paid a dividend in each of the last 15 years. At Rs 95.89 that is a dividend yield of 12.5%.

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

Habib Metropolitan Bank Limited reported total income of Rs 91.8 bn and profit attributable to shareholders of Rs 22.7 bn for FY2025 (Jan – Dec 2025).

What is HMB's book value per share?

Habib Metropolitan Bank Limited's book value per share was Rs 122.99 at the end of FY2025. The shares trade at 0.80× book value.

Information only, not investment advice.