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Stock Research: Habib Bank

Independent stock analysis through peer comparison: Get the 360° View as an objective basis for stock decision-making and explore the detailed ranks.

Habib Bank

PSX:HBL PK0085101019
52
  • Value
    98
  • Growth
    43
  • Safety
    Safety
    14
  • Combined
    54
  • Sentiment
    59
  • 360° View
    360° View
    52
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Company Description

Habib Bank Limited is a commercial banking service provider in Pakistan and overseas. Its main businesses include Retail banking, Consumer, SME, and agriculture lending, Corporate, commercial, and investment banking, Treasury, Financial Institutions, Branchless Banking, International, Asset management, and Microfinance. It operates in Pakistan and internationally. In the last fiscal year, the company had a market cap of $1115 million, NULL profits, NULL revenue, and 21377 employees.

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ANALYSIS: With an Obermatt 360° View of 52 (better than 52% compared with alternatives), overall professional sentiment and financial characteristics for the stock Habib Bank are above average. The 360° View is based on consolidating four consolidated indicators, with half the metrics below and half above average for Habib Bank. The consolidated Value Rank has an attractive rank of 98, which means that the share price of Habib Bank is on the lower side compared with the typical size in indicators such as revenues, profits, and invested capital. This means that the stock price is lower than for 98% of alternative stocks in the same industry. The consolidated Sentiment Rank has a good rank of 59, which means that professional investors are more optimistic about the stock than for 59% of alternative investment opportunities. But the consolidated Growth Rank has a low rank of 43, which means that the company exhibits below-average growth momentum when looking at financial metrics such as revenue, profit, invested capital growth, and stock returns. The consolidated Safety Rank has a riskier rank of 14, meaning the company has a riskier financing structure than 86 comparable companies when looking at the amount of its debt, its refinancing requirements, and its ability to service debt. ...read more

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Strongest Rank Liquidity
Weakest Rank Price vs. Sales (P/S)
Country Switzerland
Industry Diversified Banks
Size Small
Website hbl.com
Index
Habib Bank stock price by TradingView. Not sourced by Obermatt.
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The higher the 360° View, the better the stock performed against its peers, considering all metrics. The 360° View represents an average of the other 5 ranks and is then scaled to a rank from 1 to 100. The shaded values are illustrative only.
Last update: 7-May-2026.

Make Sense of the Ranks

The higher, the better. For every stock, we judge its performance against its peers and rank it on a scale of 1 to 100. These ranks are percentiles: a rank of 75 means the company outperforms 75% of its peers in that specific area. The higher the rank, the better the stock stacks up against its peers.

Value
Identifies how good a value the stock is.
Good Value Expensive
Combined
Consolidated view across Value, Growth, and Safety.
Good Tread Carefully
Growth
Shows a company's growth potential.
High Growth Tough Times
Sentiment
Shows what the market thinks of a stock.
Positive Sentiment Skepticism
Safety
Safety
Assesses how financially secure a company is.
Well-Financed High Leverage
360° View
360° View
Holistic stock analysis: all key non-/financial metrics
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Detailed and Historical Ranks

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Metrics Current 2025 2024 2023
Value
98 97 100 100
Growth
43 100 75 15
Safety
Safety
14 5 71 85
Sentiment
59 49 51 19
360° View
360° View
52 73 100 61
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Metrics Current 2025 2024 2023
Analyst Opinions
87 59 57 1
Opinions Change
50 50 50 50
Pro Holdings
n/a 63 88 100
Market Pulse
71 27 10 4
Sentiment
59 49 51 19
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Metrics Current 2025 2024 2023
Value
98 97 100 100
Growth
43 100 75 15
Safety Safety
14 5 71 85
Combined
54 83 100 87
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Metrics Current 2025 2024 2023
Price vs. Sales (P/S)
100 98 98 85
Price vs. Earnings (P/E)
100 89 95 95
Price vs. Book (P/B)
84 80 84 70
Dividend Yield
77 94 98 100
Value
98 97 100 100
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Metrics Current 2025 2024 2023
Revenue Growth
15 86 53 44
Profit Growth
21 46 96 16
Capital Growth
66 95 5 63
Stock Returns
100 95 97 17
Growth
43 100 75 15
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Metrics Current 2025 2024 2023
Leverage
10 2 6 26
Refinancing
63 93 72 73
Liquidity
9 1 96 93
Safety Safety
14 5 71 85

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Frequently Asked
Questions

With good value and positive sentiment, but low growth and risky financing, this combination is generally dangerous as debt requires growth to sustain it. Only investors with a strong belief in future growth potential and a high-risk tolerance should consider this stock.

Obermatt provides unbiased stock analysis as a completely independent third party. We have no conflicts of interest with individual stock titles. Our data-driven analysis is based on algorithms honed over twelve years, giving you analysis that is free from personal bias and conflicts of interest.

The 360° View Rank indicates a company's overall performance across all major financial and non-financial metrics tracked by Obermatt. A 360° View Rank of 75 means the company is more well-rounded than 75% of similar companies. A high score indicates that the company is strong across the board; it is attractively priced, growing sustainably, financially stable, and well-regarded by the market. Learn more.

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