Presentation of Corporate Briefing Session 2025-26

Key takeaways

• Profit before tax for the year ended June 30, 2026, stood at Rs. 1.21 billion.
• Profit after tax for FY 2025-26 was Rs. 748 million compared to Rs. 901 million in the previous year, impacted by deferred taxation.
• Gross revenue and income from Diminishing Musharaka financing reached Rs. 4,850.54 million in 2026.
• Disbursements for the period reached Rs. 21.85 billion, representing the highest in any year since business operations.
• Financing assets reached an all-time high of Rs. 40.17 billion as of June 30, 2026.
• Total balance sheet footing reached a record Rs. 41.73 billion, marking a 20% increase year-on-year.
• Deposits and borrowings reached Rs. 33.19 billion, while core deposits reached Rs. 22.2 billion.
• The Board declared a cash dividend of 22.5% (Rs. 2.25 per certificate) for the year ended June 30, 2026.
• Earnings per certificate (EPC) for 2026 stood at Rs. 6.75 based on a certificate face value of Rs. 10.
• Total car units disbursed during the year were 3,460, bringing total outstanding car units to 10,921.
• PACRA maintained FHM's long-term entity rating at AA+ and short-term rating at A1+ for the 19th consecutive year.
• Pharmaceuticals and Consumer Finance sectors constituted the largest financing asset exposures at 15.07% and 13.48% respectively as of June 2026.
• The business and operational strategy for 2026-27 focuses on prudent growth with risk discipline, expanding market share into new sectors and cities, strengthening credit appraisal using data analytics, and enhancing Shariah governance.