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

Habib Bank Ltd

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

PKR 284.62▲ +2.50 (0.89%)

Research report Historical data

About Habib Bank Ltd

Habib Bank is a commercial bank based in Karachi, Pakistan. It offers retail and corporate banking services, including deposit accounts, consumer and business lending, trade finance, remittances and Islamic banking, to individuals, companies and institutional clients. The bank serves customers through a branch network across Pakistan and also operates in several overseas markets, including the Gulf region and the United Kingdom, where it caters to Pakistani diaspora and business customers.

Habib Bank Ltd trades under the code HBL 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

Strong price profile

Ranks #67 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.

TrendFair

64/100

Mixed trend against its averages.

See the numbers →

Above 200-day average-3.7%

From 52-week high-21.8%

MomentumFair

59/100

Typical recent returns for this exchange.

See the numbers →

3-month return-6.0%

6-month return-2.2%

12-month, skipping last month9.3%

Stability (higher is calmer)Strong

75/100

Calmer than most: low volatility and shallow drawdowns.

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Volatility, 1 year (lower is calmer)35.3%

Worst drawdown, 1 year (smaller is calmer)-31.6%

LiquidityStrong

96/100

Trades actively.

See the numbers →

Avg daily value traded494.66M PKR

Zero-volume days0.0%

IncomeFair

69/100

Dividend is typical for this exchange.

See the numbers →

Dividend yield8.1%

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

235.55 – 369.99

Price is 36% of the way up

Returns

−6.0% 3m · +1.1% 1y

Price returns, dividends not included

RSI (14)

Neutral zone

Fair value estimate · limited data

PKR 291.36range of models 289.04 – 293.85

Fair +2.4% 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 291.19

P/S multiple

PKR 293.85

P/E on average earnings

PKR 289.04

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: 42.60, 38.70, 38.76, 21.04. 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 HBL

Each factor is rated by where HBL 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: 3 Good · 5 Average · 0 Bad of 8 Growth: 2 · 0 · 0 Valuation: 0 · 1 · 0 Price risk and momentum: 0 · 3 · 0 Liquidity: 1 · 1 · 0

Factor	HBL	Rating	Group median
Growth
Profit growth, last financial year	+10.1%	Good beats 75%	−5.8%
EPS growth, 3 years a year	+26.5%	Good beats 78%	+22.6%
Valuation
P/E ratio (last 12 months)	6.2x	Average beats 50%	6.2x
Price risk and momentum
Volatility, 1 year	35.3%	Average beats 55%	35.7%
Worst drawdown, 1 year	−31.6%	Average beats 55%	−34.8%
12-month return, skipping the last month	+9.3%	Average beats 66%	−3.4%
Liquidity
Average daily value traded	PKR 494.7M	Good beats 92%	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 Historical data & CSV

52-wk range 235.55 – 369.99 Daily closes, split-adjusted

Signals

50-day average303.04

200-day average295.45

Golden/death cross (60d)None

New 52-week highNo

Bullish RSI divergenceNo

Average daily range (ATR)6.09

Technical summary

Daily

Strongly bearish

2 bullish · 2 neutral · 12 bearish

Weekly

Neutral

5 bullish · 1 neutral · 6 bearish

Monthly

Neutral

4 bullish · 1 neutral · 3 bearish

Moving averages (daily)

SMA 10	287.1	Bearish
EMA 10	287.4	Bearish
SMA 20	292.8	Bearish
EMA 20	291.6	Bearish
SMA 50	303.0	Bearish
EMA 50	297.9	Bearish
SMA 100	301.4	Bearish
EMA 100	298.0	Bearish
SMA 200	295.4	Bearish
EMA 200	288.2	Bearish

Oscillators (daily)

RSI (14)	38.07	Neutral
MACD (12, 26)	-5.30	Bearish
Momentum (12)	-3.77	Bearish
Stochastic %K (14)	19.08	Bullish
Williams %R (14)	-80.92	Bullish
CCI (20)	-93.25	Neutral

Pivot points (classic, last session)

277.1

279.3

282.0

Pivot

284.2

286.9

289.1

291.8

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

18.00 PKR

Yield on today's price

6.32%

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
	6.0000
This payment: 6.0000 PKR per share, ex-dividend 13 Aug 2026. On 13 Aug 2026 6.88% Share price that day 334.31 PKR. Dividends in the 12 months up to that day: 23.00 PKR (6.00 + 6.00 + 6.00 + 5.00). Today, latest close 27 Oct 2026 6.32% Share price 284.62 PKR. Dividends in the last 12 months: 18.00 PKR (6.00 + 6.00 + 6.00). 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.
	6.0000
This payment: 6.0000 PKR per share, ex-dividend 28 Apr 2026. On 28 Apr 2026 8.79% Share price that day 295.63 PKR. Dividends in the 12 months up to that day: 26.00 PKR (6.00 + 6.00 + 5.00 + 4.50 + 4.50). Today, latest close 27 Oct 2026 6.32% Share price 284.62 PKR. Dividends in the last 12 months: 18.00 PKR (6.00 + 6.00 + 6.00). 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.
	6.0000
This payment: 6.0000 PKR per share, ex-dividend 19 Mar 2026. On 19 Mar 2026 7.75% Share price that day 258.16 PKR. Dividends in the 12 months up to that day: 20.00 PKR (6.00 + 5.00 + 4.50 + 4.50). Today, latest close 27 Oct 2026 6.32% Share price 284.62 PKR. Dividends in the last 12 months: 18.00 PKR (6.00 + 6.00 + 6.00). 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 31 Oct 2025. On 31 Oct 2025 6.01% Share price that day 303.83 PKR. Dividends in the 12 months up to that day: 18.25 PKR (5.00 + 4.50 + 4.50 + 4.25). Today, latest close 27 Oct 2026 6.32% Share price 284.62 PKR. Dividends in the last 12 months: 18.00 PKR (6.00 + 6.00 + 6.00). 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 8 Aug 2025. On 8 Aug 2025 8.13% Share price that day 261.33 PKR. Dividends in the 12 months up to that day: 21.25 PKR (4.50 + 4.50 + 4.25 + 4.00 + 4.00). Today, latest close 27 Oct 2026 6.32% Share price 284.62 PKR. Dividends in the last 12 months: 18.00 PKR (6.00 + 6.00 + 6.00). 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 5 May 2025. On 5 May 2025 11.37% Share price that day 147.38 PKR. Dividends in the 12 months up to that day: 16.75 PKR (4.50 + 4.25 + 4.00 + 4.00). Today, latest close 27 Oct 2026 6.32% Share price 284.62 PKR. Dividends in the last 12 months: 18.00 PKR (6.00 + 6.00 + 6.00). 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.
	4.2500
This payment: 4.2500 PKR per share, ex-dividend 17 Mar 2025. On 17 Mar 2025 10.66% Share price that day 152.49 PKR. Dividends in the 12 months up to that day: 16.25 PKR (4.25 + 4.00 + 4.00 + 4.00). Today, latest close 27 Oct 2026 6.32% Share price 284.62 PKR. Dividends in the last 12 months: 18.00 PKR (6.00 + 6.00 + 6.00). 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.
	4.0000
This payment: 4.0000 PKR per share, ex-dividend 24 Oct 2024. On 24 Oct 2024 13.20% Share price that day 138.25 PKR. Dividends in the 12 months up to that day: 18.25 PKR (4.00 + 4.00 + 4.00 + 4.00 + 2.25). Today, latest close 27 Oct 2026 6.32% Share price 284.62 PKR. Dividends in the last 12 months: 18.00 PKR (6.00 + 6.00 + 6.00). 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.
	4.0000
This payment: 4.0000 PKR per share, ex-dividend 3 Sep 2024. On 3 Sep 2024 11.92% Share price that day 119.58 PKR. Dividends in the 12 months up to that day: 14.25 PKR (4.00 + 4.00 + 4.00 + 2.25). Today, latest close 27 Oct 2026 6.32% Share price 284.62 PKR. Dividends in the last 12 months: 18.00 PKR (6.00 + 6.00 + 6.00). 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.
	4.0000
This payment: 4.0000 PKR per share, ex-dividend 2 May 2024. On 2 May 2024 10.88% Share price that day 112.61 PKR. Dividends in the 12 months up to that day: 12.25 PKR (4.00 + 4.00 + 2.25 + 2.00). Today, latest close 27 Oct 2026 6.32% Share price 284.62 PKR. Dividends in the last 12 months: 18.00 PKR (6.00 + 6.00 + 6.00). 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.
	4.0000
This payment: 4.0000 PKR per share, ex-dividend 18 Mar 2024. On 18 Mar 2024 8.98% Share price that day 108.60 PKR. Dividends in the 12 months up to that day: 9.75 PKR (4.00 + 2.25 + 2.00 + 1.50). Today, latest close 27 Oct 2026 6.32% Share price 284.62 PKR. Dividends in the last 12 months: 18.00 PKR (6.00 + 6.00 + 6.00). 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.
	2.2500
This payment: 2.2500 PKR per share, ex-dividend 2 Nov 2023. On 2 Nov 2023 7.65% Share price that day 94.79 PKR. Dividends in the 12 months up to that day: 7.25 PKR (2.25 + 2.00 + 1.50 + 1.50). Today, latest close 27 Oct 2026 6.32% Share price 284.62 PKR. Dividends in the last 12 months: 18.00 PKR (6.00 + 6.00 + 6.00). 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.