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Compare Watch

BAHL

REDUCE

Bank AL Habib Limited

Commercial Banks · 1.16% of the KSE-100

Price

Rs 123.29

Market cap

Rs 73.4bn

12-month return

-17.6%

Rank

83 of 101

39composite

Rule-based55

ML ranker9

Conviction37

Why the engine ranks it here

Bank AL Habib Limited (BAHL) screens poorly against the rest of the KSE-100, ranking 83 of 101 on a composite score of 39/100.

Bank AL Habib Limited sits in the Commercial Banks sector and scores best on valuation (66/100), weakest on price trend (45/100). At PKR 123.29 the shares trade on a P/E of 0.2x, 0.04x book, a 60.0% dividend yield. The Piotroski F-Score is 5 of 9 (mixed) and the Altman Z''-Score is not applicable to financials.

What it does well

BAHL trades at 0.04x book value, below peers.

Valuation

BAHL trades on 0.2x earnings, cheap against its sector.

Valuation

BAHL offers a 150.0% earnings yield.

Valuation

What holds it back

BAHL has fallen -16.5% over the last year excluding the latest month.

Price trend

BAHL revenue moved 4.0% over the last year.

Growth

BAHL earnings moved -7.4% year on year.

Growth

What would change this view

→ the price reclaiming its 200-day average on rising volume

Five-pillar breakdown

Each pillar scores the company against sector peers, where 50 is the sector average.

Profitability & earnings quality30% weight55

Valuation25% weight66

Balance-sheet strength20% weight55

Growth15% weight46

Price trend10% weight45

The classic screens

Piotroski tests nine accounting facts about improvement; Altman scores the distance from financial distress.

Piotroski F-Score

5 / 9

mixed · 5 of 9 tests passed

Altman Z''-Score

n/a

Not applicable to banks and insurers

Profitable on assets

ROA 2.1%

Cash generative

CFO PKR 35,479,253m

Returns improving

ROA 2.1% vs 2.4% a year ago

Earnings backed by cash

CFO PKR 35,479,253m vs profit PKR 428,956m

Deleveraging

debt/assets 0.06 vs 0.07

Capital strengthening

equity/assets 9.2% vs 9.2%

Spread widening

net margin 20.0% vs 22.5%

Balance sheet productivity

revenue/assets 0.096 vs 0.107

No shareholder dilution

595m shares vs 595m

Price history

Weekly closes. Beta 0.98 against the index, annualised volatility 24%, RSI 46.

+137.6% over this window

Reported accounts

The last twelve quarters as filed, in PKR millions. The publication date is what the engine uses to decide when a figure became knowable.

Quarter	Revenue	Gross profit	Operating	Net income	EPS	Filed
2025 Q4	Rs 587.3bn	Rs 364.1bn	Rs 162.1bn	Rs 116.7bn	196.00	2026-04-30
2025 Q3	Rs 558.8bn	Rs 346.4bn	Rs 154.2bn	Rs 112.3bn	188.62	2025-11-14
2025 Q2	Rs 566.7bn	Rs 351.4bn	Rs 156.4bn	Rs 112.4bn	188.81	2025-08-14
2025 Q1	Rs 532.9bn	Rs 330.4bn	Rs 147.1bn	Rs 105.9bn	177.86	2025-05-15
2024 Q4	Rs 482.8bn	Rs 299.3bn	Rs 133.2bn	Rs 98.4bn	165.29	2025-04-30
2024 Q3	Rs 481.6bn	Rs 298.6bn	Rs 132.9bn	Rs 107.1bn	179.87	2024-11-14
2024 Q2	Rs 547.0bn	Rs 339.2bn	Rs 151.0bn	Rs 123.1bn	206.77	2024-08-14
2024 Q1	Rs 530.7bn	Rs 329.0bn	Rs 146.5bn	Rs 118.8bn	199.62	2024-05-15
2023 Q4	Rs 499.7bn	Rs 309.8bn	Rs 137.9bn	Rs 114.2bn	191.81	2024-04-29
2023 Q3	Rs 497.0bn	Rs 308.2bn	Rs 137.2bn	Rs 115.4bn	193.85	2023-11-14
2023 Q2	Rs 504.2bn	Rs 312.6bn	Rs 139.2bn	Rs 116.2bn	195.22	2023-08-14
2023 Q1	Rs 484.0bn	Rs 300.1bn	Rs 133.6bn	Rs 107.4bn	180.34	2023-05-15

Ranked against Commercial Banks

Every peer in the same sector, ordered by composite score. These are the companies whose ratios set this one's z-scores.

BOPThe Bank of Punjab0.4x69

HBLHabib Bank Limited1.2x65

UBLUnited Bank Limited0.5x56

FABLFaysal Bank Limited1.3x54

SNBLSoneri Bank Limited1.5x50

JSBLJS Bank Limited1.2x46

MCBMCB Bank Limited0.7x45

BAFLBank Alfalah Limited0.4x45

MEBLMeezan Bank Limited1.0x41

BAHLBank AL Habib Limited0.2x39

NBPNational Bank of Pakistan1.9x37

AKBLAskari Bank Limited1.7x35

Scored as of 31 December 2025. Generated by an automated screen for research and educational use. Not investment advice, and not a substitute for a SECP-licensed adviser.