Financials / Banking ServicesUpdated 2026-05-10 22:07 UTC

PSX/HBL stock hub

PSX/HBL has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

433.1B

Pakistan Stock Exchange

Market data

Live price

Current market quote for this ticker.

Current price

PSX/HBL

In the news

Latest news · PSX/HBL

Recent company headlines from major financial publishers.

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Fetching the latest headlines.

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Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E6.1

P25 5.8P50 6.5P75 7.2

Trailing P/E6.5

P25 5.4P50 6.5P75 9.8

ROE15.1

P25 6.2P50 14.9P75 20

ROICn/a

P25 3.1P50 9.5P75 15.3

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All PSX/HBL market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

192

Groups with data

Currency

PKR

Showing 192 of 192 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Country	Pakistan
Country code	PK
Employees	20,756
Employees Change	95%
Employees Change Percent	0.46
Exchange	Pakistan Stock Exchange
Financial currency	PKR
First seen	2026-05-10
Industry	Banking Services
Isin	PK0085101019
Last refreshed	2026-05-10
Market cap	PKR 433.1B
Price	PKR 295
Price currency	PKR
Rev Per Employee	16,954,456.64x
Sector	Financials
Sic	6020
Symbol	psx/HBL
Website	https://www.hbl.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	15.3%
FCF yield	196.33%
Forward P/E	6.08x
P/B ratio	0.95x
P/E ratio	6.54x
P/S ratio	1.23x
PE Ratio10 Y	16.38x
PE Ratio3 Y	3.97x
PE Ratio5 Y	4.04x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
FCF margin	241.63%
Gross Profit	PKR 340.3B
Net Income	PKR 66.2B
Net Income Growth	10.7%
Net Income Growth Q	-2.82%
Net Income Growth3 Y	19.53%
Net Income Growth5 Y	13.53%
Pretax Margin	41.26%
Profit Margin	18.83%
Profit Per Employee	PKR 3.2M
ROA	0.94
Roa5y	0.95
ROE	15.09
Roe5y	14.5

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr10y	11.28%
Cagr15y	15.48%
Cagr1y	127.17%
Cagr3y	73.59%
Cagr5y	29.75%
Div CAGR10	4.38%
Div CAGR3	53.03%
Div CAGR5	35.25%
EPS Growth	10.7
EPS Growth Q	-2.82
EPS Growth3 Y	19.53
EPS Growth5 Y	13.52
FCF Growth	296.79%
FCF Growth Q	136.7%
FCF Growth5 Y	59.5%
OCF Growth	264.68%
OCF Growth Q	134.93%
OCF Growth10 Y	15.08%
OCF Growth5 Y	57.29%
Revenue Growth	8.14x
Revenue Growth Q	-0.09x
Revenue Growth3 Y	17.01x
Revenue Growth5 Y	17.4x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Assets	PKR 8.1T
Cash	PKR 748.3B
Debt	PKR 1.9T
Debt FCF	PKR 2.21
Equity	PKR 455.8B
Liabilities	PKR 7.7T
Net Cash	PKR -1.1T
Net Cash By Market Cap	PKR -261
Net Debt Equity	PKR 2.48
Net Debt FCF	PKR 1.33
Tangible Book Value	PKR 423.6B
Tangible Book Value Per Share	PKR 289
WACC	1.73

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working Capital	PKR -6.1T

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Dividend Growth	28.36%
Dividend Growth Years	2%
Dividend per share	PKR 24
Dividend Years	19
Dividend Yield	8.13%
Ex Div Date	2026-04-28
Last Dividend	PKR 6
Payout Frequency	Quarterly
Payout Ratio	40.17%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y total return	191.07%
1Y total return	127.04%
200-day SMA	294.7
3Y total return	423.27%
50-day SMA	283.5
50-day SMA vs 200-day SMA	50under200
5Y total return	267.71%
All Time High	370
All Time High Change	-20.2%
All Time High Date	2026-01-08
All Time Low	26.48
All Time Low Change	1,015.16%
All Time Low Date	2009-01-26
ATR	10.79
Beta	0.9
Beta1y	1.24
Beta2y	0.72
Ch YTD	-8.7
High	296.8
High52	370
High52 Date	2026-01-08
High52ch	-20.2%
Low	290
Low52	127.5
Low52 Date	2025-05-08
Low52ch	131.54%
Ma50ch	4.16%
Price vs 200-day SMA	0.2%
RSI	52.53
RSI Monthly	64.2
RSI Weekly	49.85
Sharpe ratio	2.25x
Sortino ratio	4.53
Total Return	8.13%
Tr YTD	-4.68
Tr15y	766.14%
Tr1m	10.56%
Tr1w	4%
Tr3m	-9.56%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Operating Income	PKR 145.2B
Operating margin	41.26

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	456,131,449%
Net Borrowing	-8,709,668,000
Shares Insiders	0.02%
Shares Institutions	15.57%
Shares Out	1,466,852,508
Shares Qo Q	0%

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Adjusted FCF	PKR 850.3B
Average Volume	2,213,788.5x
Bv Per Share	309.7
CAPEX	PKR -27.2B
Ch10y	48.37
Ch15y	224.7
Ch1m	8.36
Ch1w	4
Ch1y	110.2
Ch3m	-13.38
Ch3y	283.7
Ch5y	132.4
Ch6m	2.42
Change	-0.37%
Change From Open	0.09
Close	296.4
Days Gap	-0.46
Dollar Volume	548,725,061.2
Earnings Date	2026-04-17
EPS	PKR 45.16
F Score	4
FCF	PKR 850.3B
FCF Per Share	PKR 580
Financing CF	908,137,839,000
Fiscal Year End	December
Founded	1,941
Graham Number	560.97828
Graham Upside	89.99
Income Tax	PKR 78.9B
Investing CF	-1,790,406,598,000
Is Primary Listing	1
Last Earnings Date	2026-04-17
Last Report Date	2026-03-31
Last Split Date	2014-03-21
Last Split Type	Forward
Lynch Fair Value	PKR 611
Lynch Upside	106.9
Ma150	306.7
Ma150ch	-3.73%
Ma20	298
Ma20ch	-0.93%
Net CF	-10,722,533,000
Next Earnings Date	2026-08-11
Open	295
P FCF Ratio	0.51
P OCF Ratio	0.49
Payment Date	2026-05-06
Position In Range	77.5
Ppne	177,855,473,000
Price Date	2026-05-08
Ptbv Ratio	1.02
Relative Volume	0.84x
Revenue	351,906,702,000x
Tax By Revenue	22.42x
Tax Rate	54.34%
Tr6m	6.93%
Volume	1,858,447

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

PSX/HBL dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+8.1%

$24.0 annual per share

Payout ratio

+40.2%

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

+35.3%

2 consecutive years of growth

Total shareholder yield

+8.1%

Next ex-dividend date: 2026-04-28

Performance

PSX/HBL stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns PSX/HBL?

Insider, institutional, and short-interest positioning.

Institutional ownership

+15.6%

Share of float held by funds and institutions

Insider ownership

+0.0%

Stake held by company insiders. Higher generally signals alignment.

Short interest

n/a

Float sold short by bearish positioning

Y/Y dilution

n/a

Negative means the company is buying back shares.

Technical

PSX/HBL momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

52.5

Neutral momentum band

Price vs 200-day MA

+0.2%

50/200-day relationship not available

Beta (5Y)

0.90

Moves roughly with the market

Sharpe ratio

2.25

Risk-adjusted return — higher is better; >1.0 is solid.

Questions

About PSX/HBL

Hub-level FAQ points readers to the deeper analysis pages.

What is the current psx/HBL stock rating?

psx/HBL is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full psx/HBL analysis?

The full report lives at /stocks/psx/HBL/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for psx/HBL?

The latest report frames psx/HBL around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the psx/HBL page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.