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Analyst Opinion
HBL - Habib Bank Ltd.
HBL Signals a Fresh Rally with Consolidation Breakout
M Wajahat    8/6/2026 12:00:00 AM
HBL has confirmed a breakout from its consolidation phase, indicating a positive shift in technical momentum and presenting a favourable buying opportunity. Investors are advised to accumulate the stock within the PKR 322.01–325.15 range, with a stop-loss placed below PKR 290.15. On the upside, the expected targets are PKR 331.15, PKR 347.45, and PKR 361.25, provided the breakout remains intact
Link: https://scstrade.com/research/Research%20Reports/General/Technical%20Analysis%20Report%20HBL%20Aug%206,%202026...pdf
HBL - Habib Bank Ltd.
HBL pays 2Q Cash dividend of PKR 6/sh
SCS Research update    8/4/2026 12:00:00 AM
HBL pays 2Q cash dividend of PKR 6/sh (cumulative 1H cash dividend PKR 12/sh) HBL beats market estimates in terms of 2Q EPS of PKR 12.51/sh This is due to an increase in non-core income, which includes FX income and dividend income There is a slight decrease in the book value of HBL due to a decrease in surplus on revaluation of assets
Link: https://www.linkedin.com/in/mahsan178/
HBL - Habib Bank Ltd.
Expected 2QCY26 Highlights SCS update
SCS Research update    7/30/2026 12:00:00 AM
We expect HBL to report 2Q EPS of PKR 10.27/sh This translates into 1HCY26 EPS of ~PKR 20.78/sh We also expect HBL to pass on a 2nd interim cash dividend of PKR 6/sh (this will be a cumulative PKR 12/sh in 1HCY26). HBL valuation is sanguine... HBL yields a CY26 P/E of 7.1x. Likewise, HBL is improving its payout ratio. We expect an annual payout ratio of 58% vs. 42.8% reported in CY25. HBL NIMs... We are estimating NIMs in the range of 4.3% alongside ADR rising slightly (+0.17%) and IDR declining marginally (-0.05%). Balance sheet growth... We are expecting growth on the asset side of the balance sheet, with cash balances, investments, and advances all increasing. We expect total assets of PKR 7.70tn and equity of PKR 421bn, as per our model. Analyst View: Positive on PBV & Dividend yield We expect HBL to deliver resilient earnings and maintain an improving dividend profile. HBL is currently valued at ~1.0x P/BV, supported by an attractive 7.9% dividend yield.