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Smart Money

Comparison

Bank Alfalah Limited vs Habib Bank Limited

Habib Bank Limited (HBL) is worth Rs 426.0 bn at the latest close, 2.4 times the market value of Bank Alfalah Limited (BAFL) at Rs 175.5 bn. In their latest annual results BAFL reported revenue of Rs 178.6 bn (FY2025) and HBL Rs 353.3 bn (FY2025). BAFL trades at 5.2× earnings and HBL at 6.4×. Dividend yields: BAFL 9.4%, HBL 6.9%.

BAFL and HBL compared
Latest BAFL FY2025 HBL FY2025
Price Rs 55.65 Rs 290.42
Market value Rs 175.5 bn Rs 426.0 bn
P/E 5.2× (stronger) 6.4×
P/B 0.89× 0.88× (stronger)
Dividend yield 9.4% (stronger) 6.9%
Revenue (latest year) Rs 178.6 bn Rs 353.3 bn
Revenue growth, year on year 7.9% (stronger) 5.6%
Revenue growth, 5 years a year 25.5% (stronger) 17.7%
Profit (latest year) Rs 27.8 bn Rs 66.7 bn (stronger)
EPS (latest year) Rs 8.81 Rs 45.48
Dividend per share Rs 5.25 Rs 20.00
Net margin 15.6% 18.9% (stronger)
Return on equity 14.6% 14.9% (stronger)
Debt to equity 467.3% 273.4% (stronger)
Dividend streak (years) 9 20 (stronger)

Highlighted: the higher figure where higher is usually stronger (growth, margins, returns, yield) or the lower where lower is (P/E, P/B, debt). A highlight is a comparison, not a recommendation.

Revenue by fiscal year BAFL HBL
Revenue by fiscal year Rs 353 bn BAFL FY2016: Rs 37.6 bn HBL FY2016: Rs 108.8 bn FY2016 BAFL FY2017: Rs 38.2 bn HBL FY2017: Rs 113.1 bn FY2017 BAFL FY2018: Rs 42.5 bn HBL FY2018: Rs 98.2 bn FY2018 BAFL FY2019: Rs 55.2 bn HBL FY2019: Rs 120.7 bn FY2019 BAFL FY2020: Rs 57.5 bn HBL FY2020: Rs 156.5 bn FY2020 BAFL FY2021: Rs 62.6 bn HBL FY2021: Rs 163.3 bn FY2021 BAFL FY2022: Rs 98.6 bn HBL FY2022: Rs 207.9 bn FY2022 BAFL FY2023: Rs 153.7 bn HBL FY2023: Rs 289.8 bn FY2023 BAFL FY2024: Rs 165.5 bn HBL FY2024: Rs 334.7 bn FY2024 BAFL FY2025: Rs 178.6 bn HBL FY2025: Rs 353.3 bn FY2025
Profit by fiscal year BAFL HBL
Profit by fiscal year Rs 67 bn BAFL FY2016: Rs 7.9 bn HBL FY2016: Rs 34.1 bn FY2016 BAFL FY2017: Rs 8.5 bn HBL FY2017: Rs 8.5 bn FY2017 BAFL FY2018: Rs 10.9 bn HBL FY2018: Rs 12.1 bn FY2018 BAFL FY2019: Rs 13.0 bn HBL FY2019: Rs 15.3 bn FY2019 BAFL FY2020: Rs 10.8 bn HBL FY2020: Rs 30.9 bn FY2020 BAFL FY2021: Rs 14.4 bn HBL FY2021: Rs 35.0 bn FY2021 BAFL FY2022: Rs 18.4 bn HBL FY2022: Rs 34.1 bn FY2022 BAFL FY2023: Rs 36.5 bn HBL FY2023: Rs 57.7 bn FY2023 BAFL FY2024: Rs 39.9 bn HBL FY2024: Rs 58.5 bn FY2024 BAFL FY2025: Rs 27.8 bn HBL FY2025: Rs 66.7 bn FY2025

Prices at the latest close; financial figures from each company's latest annual report. Information only, not investment advice.