Pakistan Stock Exchange (PSX) · Pakistan · Updated after 27 Oct 2026 close

Bank Al-Habib Ltd

BAHL · Pakistan Stock Exchange (PSX) · prices in PKR

PKR 149.92▲ +0.46 (0.31%)

Research report

About Bank Al-Habib Ltd

Bank Al-Habib is a commercial bank based in Karachi, Pakistan. It provides retail and corporate banking services, including deposit accounts, consumer and business lending, trade finance and remittances, and it also offers Islamic banking through dedicated windows. Its customers include individuals, small and medium-sized businesses and larger corporate clients across Pakistan, and it operates a branch network within the country.

Bank Al-Habib Ltd trades under the code BAHL on the Pakistan Stock Exchange (PSX), with its price quoted in Pakistani rupees (PKR). Our dividend records, which start in 2019, show payments in 8 different calendar years. The Market X-Ray on this page is price-based and compares it with other stocks on the same exchange; it does not measure how healthy the business is.

Market X-Ray · price-based

Fair price profile

Ranks #176 of 542 on the Pakistan Stock Exchange (PSX) · confidence High

What this score is, and is not

It describes how this stock has traded: trend, momentum, risk, liquidity and dividends, each ranked against the other stocks on its own exchange. It does not measure how healthy or cheap the business is. That fundamental X-Ray needs financial statements, which we do not have for Pakistan yet.

TrendWeak

40/100

Below its long-term averages and far from its highs.

See the numbers →

Above 200-day average-11.3%

From 52-week high-25.5%

MomentumWeak

34/100

Lagging most stocks on this exchange.

See the numbers →

3-month return-12.3%

6-month return-13.5%

12-month, skipping last month-19.4%

Stability (higher is calmer)Strong

82/100

Calmer than most: low volatility and shallow drawdowns.

See the numbers →

Volatility, 1 year (lower is calmer)31.9%

Worst drawdown, 1 year (smaller is calmer)-26.8%

LiquidityStrong

84/100

Trades actively.

See the numbers →

Avg daily value traded68.78M PKR

Zero-volume days0.0%

IncomeStrong

75/100

Dividend is high and has been paid regularly.

See the numbers →

Dividend yield10.0%

Years with dividends5

Price-based X-Ray. The fundamental X-Ray (financial health, valuation, growth, fair value) is available for US stocks today. It will follow for Pakistan when fundamentals data for this market is added. All Pakistan stocks.

Price trend

Below its 200-day average

Versus its 50- and 200-day averages

52-week range

144.90 – 204.74

Price is 8% of the way up

Returns

−12.3% 3m · −20.8% 1y

Price returns, dividends not included

RSI (14)

Neutral zone

Fair value estimate · limited data

PKR 158.68range of models 156.12 – 163.33

Fair +5.8% to fair value

Average of the 3 valuation models that pass our checks. Undervalued or Overvalued means the gap to fair value is more than 17.5%. Model uncertainty is High.

PSX income statement only (no balance sheet or cash flow): only earnings and sales models can be built. Their weights were fitted to a professional consensus-style valuation of Pakistani stocks and checked on stocks that were not used for the fit, but they use no analyst forecasts. Treat this as a rough estimate.

P/E multiple

PKR 156.12

P/S multiple

PKR 163.33

P/E on average earnings

PKR 156.60

Each model multiplies the company's trailing-twelve-month earnings (or sales) by a multiple that blends its own current multiple, its own history and its sector median. Earnings per share by fiscal year, newest first: 27.57, 35.87, 31.78, 14.91. Source: statements and price from the Pakistan Stock Exchange portal and end-of-day data. A model estimate, not a price target or advice. How it works.

Factor ratings for BAHL

Each factor is rated by where BAHL stands among the 19 stocks of its PSX sector (Commercial Banks; all PSX stocks when the sector is too small for a fair comparison).

Rating against the group

Goodthe top third of these stocks

Averagethe middle third of these stocks

Badthe bottom third of these stocks

"Beats" is the share of those stocks it is ahead of.

For valuation factors Good means cheaper than most of the group, which is not the same as a bargain.

In total: 2 Good · 4 Average · 2 Bad of 8 Growth: 0 · 1 · 1 Valuation: 0 · 1 · 0 Price risk and momentum: 2 · 0 · 1 Liquidity: 0 · 2 · 0

Factor	BAHL	Rating	Group median
Growth
Profit growth, last financial year	−23.1%	Bad beats 19%	−5.8%
EPS growth, 3 years a year	+22.7%	Average beats 53%	+22.6%
Valuation
P/E ratio (last 12 months)	5.9x	Average beats 61%	6.2x
Price risk and momentum
Volatility, 1 year	31.9%	Good beats 82%	35.7%
Worst drawdown, 1 year	−26.8%	Good beats 71%	−34.8%
12-month return, skipping the last month	−19.4%	Bad beats 13%	−3.4%
Liquidity
Average daily value traded	PKR 68.8M	Average beats 55%	PKR 44.7M
Days with no trading	0.0%	Average beats 50%	0.0%

Built from the income-statement summary the Pakistan Stock Exchange publishes (sales, profit and EPS for up to four financial years, trailing P/E, market value) and our own end-of-day prices. The PSX portal has no balance sheet or cash flow, so there are no debt, cash-flow or book-value factors. A factor is left out when its data is missing or meaningless (for example a P/E on a loss). These ratings compare companies with each other and describe the past; they are not a forecast, a recommendation or part of the Market X-Ray.

Price chart

Interactive chart

52-wk range 144.90 – 204.74 Daily closes, split-adjusted

Signals

50-day average155.44

200-day average169.10

Golden/death cross (60d)None

New 52-week highNo

Bullish RSI divergenceNo

Average daily range (ATR)2.97

Technical summary

Daily

Bearish

2 bullish · 4 neutral · 10 bearish

Weekly

Strongly bearish

1 bullish · 1 neutral · 10 bearish

Monthly

Bearish

2 bullish · 1 neutral · 5 bearish

Moving averages (daily)

SMA 10	149.8	Bullish
EMA 10	149.6	Bullish
SMA 20	150.1	Bearish
EMA 20	150.5	Bearish
SMA 50	155.4	Bearish
EMA 50	155.2	Bearish
SMA 100	164.0	Bearish
EMA 100	160.7	Bearish
SMA 200	169.1	Bearish
EMA 200	165.3	Bearish

Oscillators (daily)

RSI (14)	44.04	Neutral
MACD (12, 26)	-1.61	Bearish
Momentum (12)	-0.18	Bearish
Stochastic %K (14)	54.58	Neutral
Williams %R (14)	-45.42	Neutral
CCI (20)	-52.54	Neutral

Pivot points (classic, last session)

145.8

147.0

148.4

Pivot

149.6

151.0

152.2

153.6

Signals describe what the chart is doing, not what to do. Moving averages: price above the average is bullish. Oscillators use the usual thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20; MACD and momentum above zero are bullish). Weekly and monthly views use closing prices only.

Dividends

Paid, last 12 months

11.50 PKR

Yield on today's price

7.67%

Frequency

Quarterly

Next ex-dividend date

Not announced

Tap a dividend date to compare the dividend yield on that day with today's.

Ex-dividend date	Amount per share
	3.5000
This payment: 3.5000 PKR per share, ex-dividend 31 Aug 2026. On 31 Aug 2026 9.23% Share price that day 162.55 PKR. Dividends in the 12 months up to that day: 15.00 PKR (3.50 + 3.50 + 4.50 + 3.50). Today, latest close 27 Oct 2026 7.67% Share price 149.92 PKR. Dividends in the last 12 months: 11.50 PKR (3.50 + 3.50 + 4.50). Dividend yield = dividends paid in the 12 months up to that day divided by the share price that day, before tax. Past dividends are not a promise of future ones.
	3.5000
This payment: 3.5000 PKR per share, ex-dividend 4 May 2026. On 4 May 2026 8.95% Share price that day 167.63 PKR. Dividends in the 12 months up to that day: 15.00 PKR (3.50 + 4.50 + 3.50 + 3.50). Today, latest close 27 Oct 2026 7.67% Share price 149.92 PKR. Dividends in the last 12 months: 11.50 PKR (3.50 + 3.50 + 4.50). Dividend yield = dividends paid in the 12 months up to that day divided by the share price that day, before tax. Past dividends are not a promise of future ones.
	4.5000
This payment: 4.5000 PKR per share, ex-dividend 12 Mar 2026. On 12 Mar 2026 9.50% Share price that day 157.92 PKR. Dividends in the 12 months up to that day: 15.00 PKR (4.50 + 3.50 + 3.50 + 3.50). Today, latest close 27 Oct 2026 7.67% Share price 149.92 PKR. Dividends in the last 12 months: 11.50 PKR (3.50 + 3.50 + 4.50). Dividend yield = dividends paid in the 12 months up to that day divided by the share price that day, before tax. Past dividends are not a promise of future ones.
	3.5000
This payment: 3.5000 PKR per share, ex-dividend 30 Oct 2025. On 30 Oct 2025 9.32% Share price that day 182.34 PKR. Dividends in the 12 months up to that day: 17.00 PKR (3.50 + 3.50 + 3.50 + 6.50). Today, latest close 27 Oct 2026 7.67% Share price 149.92 PKR. Dividends in the last 12 months: 11.50 PKR (3.50 + 3.50 + 4.50). Dividend yield = dividends paid in the 12 months up to that day divided by the share price that day, before tax. Past dividends are not a promise of future ones.
	3.5000
This payment: 3.5000 PKR per share, ex-dividend 3 Sep 2025. On 3 Sep 2025 8.92% Share price that day 190.58 PKR. Dividends in the 12 months up to that day: 17.00 PKR (3.50 + 3.50 + 6.50 + 3.50). Today, latest close 27 Oct 2026 7.67% Share price 149.92 PKR. Dividends in the last 12 months: 11.50 PKR (3.50 + 3.50 + 4.50). Dividend yield = dividends paid in the 12 months up to that day divided by the share price that day, before tax. Past dividends are not a promise of future ones.
	3.5000
This payment: 3.5000 PKR per share, ex-dividend 2 May 2025. On 2 May 2025 12.18% Share price that day 139.52 PKR. Dividends in the 12 months up to that day: 17.00 PKR (3.50 + 6.50 + 3.50 + 3.50). Today, latest close 27 Oct 2026 7.67% Share price 149.92 PKR. Dividends in the last 12 months: 11.50 PKR (3.50 + 3.50 + 4.50). Dividend yield = dividends paid in the 12 months up to that day divided by the share price that day, before tax. Past dividends are not a promise of future ones.
	6.5000
This payment: 6.5000 PKR per share, ex-dividend 13 Feb 2025. On 13 Feb 2025 16.29% Share price that day 135.03 PKR. Dividends in the 12 months up to that day: 22.00 PKR (6.50 + 3.50 + 3.50 + 3.50 + 5.00). Today, latest close 27 Oct 2026 7.67% Share price 149.92 PKR. Dividends in the last 12 months: 11.50 PKR (3.50 + 3.50 + 4.50). Dividend yield = dividends paid in the 12 months up to that day divided by the share price that day, before tax. Past dividends are not a promise of future ones.
	3.5000
This payment: 3.5000 PKR per share, ex-dividend 30 Oct 2024. On 30 Oct 2024 14.17% Share price that day 109.36 PKR. Dividends in the 12 months up to that day: 15.50 PKR (3.50 + 3.50 + 3.50 + 5.00). Today, latest close 27 Oct 2026 7.67% Share price 149.92 PKR. Dividends in the last 12 months: 11.50 PKR (3.50 + 3.50 + 4.50). Dividend yield = dividends paid in the 12 months up to that day divided by the share price that day, before tax. Past dividends are not a promise of future ones.
	3.5000
This payment: 3.5000 PKR per share, ex-dividend 20 Aug 2024. On 20 Aug 2024 21.50% Share price that day 97.68 PKR. Dividends in the 12 months up to that day: 21.00 PKR (3.50 + 3.50 + 5.00 + 4.50 + 4.50). Today, latest close 27 Oct 2026 7.67% Share price 149.92 PKR. Dividends in the last 12 months: 11.50 PKR (3.50 + 3.50 + 4.50). Dividend yield = dividends paid in the 12 months up to that day divided by the share price that day, before tax. Past dividends are not a promise of future ones.
	3.5000
This payment: 3.5000 PKR per share, ex-dividend 8 May 2024. On 8 May 2024 17.95% Share price that day 97.48 PKR. Dividends in the 12 months up to that day: 17.50 PKR (3.50 + 5.00 + 4.50 + 4.50). Today, latest close 27 Oct 2026 7.67% Share price 149.92 PKR. Dividends in the last 12 months: 11.50 PKR (3.50 + 3.50 + 4.50). Dividend yield = dividends paid in the 12 months up to that day divided by the share price that day, before tax. Past dividends are not a promise of future ones.
	5.0000
This payment: 5.0000 PKR per share, ex-dividend 22 Feb 2024. On 22 Feb 2024 26.61% Share price that day 78.92 PKR. Dividends in the 12 months up to that day: 21.00 PKR (5.00 + 4.50 + 4.50 + 7.00). Today, latest close 27 Oct 2026 7.67% Share price 149.92 PKR. Dividends in the last 12 months: 11.50 PKR (3.50 + 3.50 + 4.50). Dividend yield = dividends paid in the 12 months up to that day divided by the share price that day, before tax. Past dividends are not a promise of future ones.
	4.5000
This payment: 4.5000 PKR per share, ex-dividend 2 Nov 2023. On 2 Nov 2023 25.00% Share price that day 64.00 PKR. Dividends in the 12 months up to that day: 16.00 PKR (4.50 + 4.50 + 7.00). Today, latest close 27 Oct 2026 7.67% Share price 149.92 PKR. Dividends in the last 12 months: 11.50 PKR (3.50 + 3.50 + 4.50). Dividend yield = dividends paid in the 12 months up to that day divided by the share price that day, before tax. Past dividends are not a promise of future ones.

Ex-dividend dates and amounts from our market-data provider. Shown as declared, before tax. For Pakistani companies a future date appears only once our data provider lists it as declared; the exchange's own list of book closures is on dps.psx.com.pk/payouts.

Prices are end-of-day closes in PKR. Educational only, not financial advice.