Karachi Stock Exchange · Pakistan · Updated after 23 Oct 2026 close

Habib Insurance Company Ltd

HICL · Karachi Stock Exchange · prices in PKR

PKR 7.750▲ +0.030 (0.39%)

Research report Historical data

Market X-Ray · price-based

Fair price profile

Ranks #177 of 494 on the Karachi Stock Exchange · 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.

TrendStrong

80/100

Trading above its long-term averages and near its highs.

See the numbers →

Above 200-day average10.4%

From 52-week high-18.5%

MomentumStrong

76/100

Rising faster than most stocks on this exchange.

See the numbers →

3-month return13.1%

6-month return18.9%

12-month, skipping last month5.4%

Stability (higher is calmer)Weak

17/100

Volatile, with deep drawdowns.

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Volatility, 1 year (lower is calmer)124.3%

Worst drawdown, 1 year (smaller is calmer)-47.7%

LiquidityWeak

44/100

Thinly traded: prices can jump and exits can be hard.

See the numbers →

Avg daily value traded4.41M PKR

Zero-volume days0.0%

IncomeFair

68/100

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

Uptrend

Versus its 50- and 200-day averages

52-week range

4.912 – 9.687

Price is 59% of the way up

Returns

+13.1% 3m · +1.2% 1y

Price returns, dividends not included

RSI (14)

Neutral zone

Fair value estimate · limited data

Data under review

Too few of our models give a usable value for this company, so we show no number rather than a misleading one.

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 9.800

P/E on average earnings

PKR 8.940

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: 0.95, 1.91, 0.91, 0.90. 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 HICL

Each factor is rated by where HICL stands among the 29 stocks of its PSX sector (Insurance; 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: 1 Good · 3 Average · 4 Bad of 8 Growth: 0 · 0 · 2 Valuation: 1 · 0 · 0 Price risk and momentum: 0 · 1 · 2 Liquidity: 0 · 2 · 0

Factor	HICL	Rating	Group median
Growth
Profit growth, last financial year	−50.2%	Bad beats 7%	+5.9%
EPS growth, 3 years a year	+1.8%	Bad beats 8%	+25.7%
Valuation
P/E ratio (last 12 months)	3.5x	Good beats 81%	5.3x
Price risk and momentum
Volatility, 1 year	124.3%	Bad beats 2%	49.4%
Worst drawdown, 1 year	−47.7%	Bad beats 24%	−37.7%
12-month return, skipping the last month	+5.4%	Average beats 54%	+2.6%
Liquidity
Average daily value traded	PKR 4.4M	Average beats 57%	PKR 2.7M
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 4.912 – 9.687 Daily closes, split-adjusted

Signals

50-day average7.678

200-day average7.019

Golden/death cross (60d)Golden, 44 days ago

New 52-week highNo

Bullish RSI divergenceNo

Average daily range (ATR)0.402

Technical summary

Daily

Bullish

9 bullish · 2 neutral · 5 bearish

Weekly

Strongly bullish

9 bullish · 1 neutral · 2 bearish

Monthly

Strongly bullish

7 bullish · 1 neutral · 0 bearish

Moving averages (daily)

SMA 10	7.85	Bearish
EMA 10	7.84	Bearish
SMA 20	7.88	Bearish
EMA 20	7.83	Bearish
SMA 50	7.68	Bullish
EMA 50	7.66	Bullish
SMA 100	7.26	Bullish
EMA 100	7.40	Bullish
SMA 200	7.02	Bullish
EMA 200	7.14	Bullish

Oscillators (daily)

RSI (14)	49.13	Neutral
MACD (12, 26)	0.04	Bullish
Momentum (12)	-0.51	Bearish
Stochastic %K (14)	17.95	Bullish
Williams %R (14)	-82.05	Bullish
CCI (20)	-66.26	Neutral

Pivot points (classic, last session)

7.40

7.55

7.65

Pivot

7.80

7.90

8.05

8.15

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

0.63 PKR

Yield on today's price

8.06%

Frequency

Annual

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
	0.6250
This payment: 0.6250 PKR per share, ex-dividend 9 Apr 2026. On 9 Apr 2026 5.91% Share price that day 10.57 PKR. Dividends in the 12 months up to that day: 0.6250 PKR. Today, latest close 23 Oct 2026 8.06% Share price 7.75 PKR. Dividends in the last 12 months: 0.6250 PKR. 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.
	1.0000
This payment: 1.0000 PKR per share, ex-dividend 14 Apr 2025. On 14 Apr 2025 12.66% Share price that day 7.90 PKR. Dividends in the 12 months up to that day: 1.00 PKR. Today, latest close 23 Oct 2026 8.06% Share price 7.75 PKR. Dividends in the last 12 months: 0.6250 PKR. 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.
	0.6250
This payment: 0.6250 PKR per share, ex-dividend 9 Apr 2024. On 9 Apr 2024 18.01% Share price that day 6.94 PKR. Dividends in the 12 months up to that day: 1.25 PKR (0.6250 + 0.6250). Today, latest close 23 Oct 2026 8.06% Share price 7.75 PKR. Dividends in the last 12 months: 0.6250 PKR. 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.
	0.6250
This payment: 0.6250 PKR per share, ex-dividend 12 May 2023. On 12 May 2023 11.16% Share price that day 5.60 PKR. Dividends in the 12 months up to that day: 0.6250 PKR. Today, latest close 23 Oct 2026 8.06% Share price 7.75 PKR. Dividends in the last 12 months: 0.6250 PKR. 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.
	0.6250
This payment: 0.6250 PKR per share, ex-dividend 12 Apr 2022. On 12 Apr 2022 9.08% Share price that day 6.88 PKR. Dividends in the 12 months up to that day: 0.6250 PKR. Today, latest close 23 Oct 2026 8.06% Share price 7.75 PKR. Dividends in the last 12 months: 0.6250 PKR. 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.
	0.5000
This payment: 0.5000 PKR per share, ex-dividend 15 Apr 2021. Today, latest close 23 Oct 2026 8.06% Share price 7.75 PKR. Dividends in the last 12 months: 0.6250 PKR. 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.
	0.5000
This payment: 0.5000 PKR per share, ex-dividend 29 Apr 2020. Today, latest close 23 Oct 2026 8.06% Share price 7.75 PKR. Dividends in the last 12 months: 0.6250 PKR. 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.
	0.7500
This payment: 0.7500 PKR per share, ex-dividend 12 Apr 2019. Today, latest close 23 Oct 2026 8.06% Share price 7.75 PKR. Dividends in the last 12 months: 0.6250 PKR. 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 EODHD. Shown as declared, before tax. For Pakistani companies a future date appears only once EODHD 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.