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Smart Money

Comparison

Habib Bank Limited vs National Bank of Pakistan

Habib Bank Limited (HBL) is worth Rs 426.5 bn at the latest close, 1.3 times the market value of National Bank of Pakistan (NBP) at Rs 339.0 bn. In their latest annual results HBL reported revenue of Rs 353.3 bn (FY2025) and NBP Rs 318.1 bn (FY2025). HBL trades at 6.4× earnings and NBP at 4.5×. Dividend yields: HBL 6.9%, NBP 22.0%.

HBL and NBP compared
Latest HBL FY2025 NBP FY2025
Price Rs 290.79 Rs 159.33
Market value Rs 426.5 bn Rs 339.0 bn
P/E 6.4× 4.5× (stronger)
P/B 0.88× 0.72× (stronger)
Dividend yield 6.9% 22.0% (stronger)
Revenue (latest year) Rs 353.3 bn Rs 318.1 bn
Revenue growth, year on year 5.6% 32.8% (stronger)
Revenue growth, 5 years a year 17.7% 18.2% (stronger)
Profit (latest year) Rs 66.7 bn Rs 85.0 bn (stronger)
EPS (latest year) Rs 45.48 Rs 39.97
Dividend per share Rs 20.00 Rs 35.00
Net margin 18.9% 27.0% (stronger)
Return on equity 14.9% 17.0% (stronger)
Debt to equity 273.4% (stronger) 319.6%
Dividend streak (years) 20 (stronger) 2

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 HBL NBP
Revenue by fiscal year Rs 353 bn HBL FY2016: Rs 108.8 bn NBP FY2016: Rs 84.9 bn FY2016 HBL FY2017: Rs 113.1 bn NBP FY2017: Rs 85.6 bn FY2017 HBL FY2018: Rs 98.2 bn NBP FY2018: Rs 96.3 bn FY2018 HBL FY2019: Rs 120.7 bn NBP FY2019: Rs 104.2 bn FY2019 HBL FY2020: Rs 156.5 bn NBP FY2020: Rs 138.0 bn FY2020 HBL FY2021: Rs 163.3 bn NBP FY2021: Rs 134.6 bn FY2021 HBL FY2022: Rs 207.9 bn NBP FY2022: Rs 154.2 bn FY2022 HBL FY2023: Rs 289.8 bn NBP FY2023: Rs 210.9 bn FY2023 HBL FY2024: Rs 334.7 bn NBP FY2024: Rs 239.6 bn FY2024 HBL FY2025: Rs 353.3 bn NBP FY2025: Rs 318.1 bn FY2025
Profit by fiscal year HBL NBP
Profit by fiscal year Rs 85 bn HBL FY2016: Rs 34.1 bn NBP FY2016: Rs 23.0 bn FY2016 HBL FY2017: Rs 8.5 bn NBP FY2017: Rs 23.2 bn FY2017 HBL FY2018: Rs 12.1 bn NBP FY2018: Rs 19.9 bn FY2018 HBL FY2019: Rs 15.3 bn NBP FY2019: Rs 16.6 bn FY2019 HBL FY2020: Rs 30.9 bn NBP FY2020: Rs 30.5 bn FY2020 HBL FY2021: Rs 35.0 bn NBP FY2021: Rs 28.6 bn FY2021 HBL FY2022: Rs 34.1 bn NBP FY2022: Rs 30.8 bn FY2022 HBL FY2023: Rs 57.7 bn NBP FY2023: Rs 53.1 bn FY2023 HBL FY2024: Rs 58.5 bn NBP FY2024: Rs 26.0 bn FY2024 HBL FY2025: Rs 66.7 bn NBP FY2025: Rs 85.0 bn FY2025

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