Habib Metropolitan Bank Limited (HMB)

COMMERCIAL BANKSALLSHRKSE100KSE100PRPSXDIV20

118.00

-0.83%

As of 10-Jul-2026

52 Week RangeCurrent: 118.00

103.00132.00

Updated: 10-Jul-2026

1M+3.1%

3M+1.6%

1Y+11.8%

3Y+380.0%

5Y+308.9%

Valuation Snapshot

Review how the market has valued this company across price multiples.

Updated through 08-Jul-2026

P/E

5.80x

P/B

0.98x

Showing 37 observations

Annual Ratio Highlights

Metric	2021	2022	2023	2024	2025
EPS	12.90	13.72	23.44	23.80	21.63
DPS	5.02	5.33	10.56	12.13	12.00
BVPS	63.84 PKR mn / Shr	75.13 PKR mn / Shr	93.71 PKR mn / Shr	115.37 PKR mn / Shr	127.95 PKR mn / Shr
PBV	1.86	1.58	1.27	1.03	0.93
Div Yield	4.20%	4.41%	8.83%	10.09%	10.09%
ROE	21.62%	20.50%	28.53%	23.52%	18.17%
ROA	1.23%	1.13%	1.69%	1.66%	1.44%
NII Growth	2.50%	38.15%	75.68%	-1.03%	-5.99%
Non Interest Income Growth	15.61%	20.71%	13.73%	38.96%	15.42%
Revenue Growth	5.75%	33.42%	60.47%	5.93%	-1.10%
PBT Growth	7.86%	29.48%	86.61%	1.84%	-7.57%
PAT Growth	12.38%	7.66%	69.10%	2.10%	-10.11%
Payout Ratio	38.76%	38.27%	44.80%	50.42%	55.48%

Metric	2021	2022	2023	2024	2025
Cost to Income	41.92%	41.64%	34.30%	37.74%	43.99%
Effective Tax Rate	36.96%	47.58%	52.50%	52.38%	53.69%
Operating Expense	2.39%	2.79%	3.21%	3.66%	4.00%
EPS Growth	12.17%	6.36%	70.85%	1.54%	-9.12%

Metric	2021	2022	2023	2024	2025
Net Interest Income / Deposits	4.15%	5.05%	7.74%	7.48%	6.67%
Non Interest Income / Deposits	1.55%	1.64%	1.63%	2.21%	2.42%
Total Revenue / Deposits	5.70%	6.69%	9.37%	9.69%	9.09%
Provisions / Deposits	0.28%	0.46%	0.54%	0.45%	0.20%
Provisions / Advances	0.56%	0.87%	1.15%	0.93%	0.38%
Profit before WWF & Tax/Deposits	3.07%	3.52%	5.74%	5.71%	4.99%
WWF Rate	1.45%	2.07%	2.07%	2.13%	2.00%
Tax Rate	36.96%	47.58%	52.50%	52.38%	53.69%
Net Profit / Deposits	1.91%	1.81%	2.67%	2.66%	2.27%
Deposits / Equity	1,153.63%	1,117.33%	1,030.14%	765.33%	834.08%