Bank AL Habib (KAR:BAHL) Dividend Payout Ratio: 0.70 (As of Mar. 2026) — 59% Above Median

What is Bank AL Habib Dividend Payout Ratio?

Bank AL Habib KAR:BAHL -0.17% 63 Dividend Payout Ratio is 0.70 as of Mar. 2026, which is 59% above its 10-year median of 0.44. GuruFocus rates KAR:BAHL with a GF Score™ of 63/100 and a GF Value™ of ₨116.43 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,175 Banks companies, Bank AL Habib ranks worse than 84.51% on this metric.

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. Bank AL Habib's Dividend Payout Ratio for the months ended in Mar. 2026 was 0.70.

The historical rank and industry rank for Bank AL Habib's Dividend Payout Ratio or its related term are showing as below:

KAR:BAHL' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.22 Med: 0.44 Max: 0.6
Current: 0.58

During the past 13 years, the highest Dividend Payout Ratio of Bank AL Habib was 0.60. The lowest was 0.22. And the median was 0.44.

KAR:BAHL's Dividend Payout Ratio is ranked worse than
84.51% of 1175 companies
in the Banks industry
Industry Median: 0.32 vs KAR:BAHL: 0.58

As of today (2026-07-06), the Dividend Yield % of Bank AL Habib is 8.58%.

During the past 13 years, the highest Trailing Annual Dividend Yield of Bank AL Habib was 24.23%. The lowest was 2.95%. And the median was 6.63%.

Bank AL Habib's Dividends per Share for the months ended in Mar. 2026 was ₨4.50.

During the past 12 months, Bank AL Habib's average Dividends Per Share Growth Rate was -11.80% per year. During the past 3 years, the average Dividends Per Share Growth Rate was 34.40% per year. During the past 5 years, the average Dividends Per Share Growth Rate was 42.70% per year. During the past 10 years, the average Dividends Per Share Growth Rate was 21.60% per year.

During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of Bank AL Habib was 66.00% per year. The lowest was -10.60% per year. And the median was 20.50% per year.

The growth rate is calculated with least square regression.

For more information regarding to dividend, please check our Dividend Page.

* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.

Bank AL Habib (KAR:BAHL) Dividend Payout Ratio Explanation

In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.

Bank AL Habib Dividend Payout Ratio Related Terms

Bank AL Habib Dividend Payout Ratio Historical Data

* Premium members only.

The historical data trend for Bank AL Habib's Dividend Payout Ratio can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Bank AL Habib Dividend Payout Ratio Chart

Bank AL Habib Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

Dividend Payout Ratio

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0.27

0.48

0.50

0.42

0.60

Bank AL Habib Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
Dividend Payout Ratio	Get a 7-Day Free Trial															0.69	0.43	0.57	0.71	0.70

Bank AL Habib Dividend Payout Ratio Competitor Comparison

For the Banks - Regional subindustry, Bank AL Habib's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Bank AL Habib Dividend Payout Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Bank AL Habib's Dividend Payout Ratio distribution charts can be found below:

* The bar in red indicates where Bank AL Habib's Dividend Payout Ratio falls into.

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63GF Score

Bank AL Habib Ltd KAR:BAHL

Dividend Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.

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Bank AL Habib Dividend Payout Ratio Calculation

Bank AL Habib's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Dividend Payout Ratio	=	Dividends per Share (A: Dec. 2025 )	/	EPS without NRI (A: Dec. 2025 )
	=	17	/	28.436
	=	0.60

Bank AL Habib's Dividend Payout Ratio for the quarter that ended in Mar. 2026 is calculated as

Dividend Payout Ratio	=	Dividends per Share (Q: Mar. 2026 )	/	EPS without NRI (Q: Mar. 2026 )
	=	4.5	/	6.42
	=	0.70

Frequently Asked Questions Learn more about Dividend Payout Ratio →

What does a Dividend Payout Ratio of 0.70 mean?

Bank AL Habib (KAR:BAHL) has a Dividend Payout Ratio of 0.70 as of Mar. 2026. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Bank AL Habib and its competitors. This is 59% above median its historical median of 0.44. Over the past decade, Bank AL Habib's Dividend Payout Ratio has ranged from 0.22 to 0.60. According to the industry distribution chart, Bank AL Habib ranks #993 out of 1175 companies in the Banks industry, placing it in the top 84.5%.

Is Bank AL Habib's Dividend Payout Ratio too high?

Bank AL Habib's current Dividend Payout Ratio of 0.70 is 59% above median its 10-year median of 0.44. Over the past 10 years, this metric has ranged from a low of 0.22 to a high of 0.60. The Banks industry median Dividend Payout Ratio is 0.32. Bank AL Habib's value of 0.70 is 118.8% above this industry median. Based on the distribution chart, Bank AL Habib ranks #993 out of 1175 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Bank AL Habib has a GF Score™ of 63/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.

How does Bank AL Habib's Dividend Payout Ratio compare to competitors?

According to the Banks industry distribution chart, Bank AL Habib ranks #993 out of 1175 companies for Dividend Payout Ratio. This places Bank AL Habib in the lower half of its industry. The industry median Dividend Payout Ratio is 0.32. Bank AL Habib's value of 0.70 is 118.8% above this benchmark. Historically, Bank AL Habib's own Dividend Payout Ratio has ranged from 0.22 to 0.60 over the past decade. While the company's 10-year median is 0.44 vs. the industry median of 0.32, Bank AL Habib has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good Dividend Payout Ratio for a Banks company?

The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,175 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank AL Habib's current Dividend Payout Ratio of 0.70 is 118.8% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.

What does a high Dividend Payout Ratio mean?

A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Bank AL Habib and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank AL Habib's current Dividend Payout Ratio is 0.70, which is 59% above median its own 10-year median of 0.44. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is Bank AL Habib stock overvalued right now?

Based on GuruFocus' analysis, Bank AL Habib (KAR:BAHL) is currently considered Significantly Overvalued. The stock's GF Value™ is ₨116.43, compared to a current price of ₨174.92 — trading 50.2% above its estimated fair value. The current Dividend Payout Ratio is 0.70, which is 59% above median its 10-year median of 0.44 and 118.8% above the Banks industry median of 0.32. Bank AL Habib's overall GF Score™ is 63/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is Dividend Payout Ratio calculated?

Dividend Payout Ratio is calculated from a company's financial statements. For Bank AL Habib (KAR:BAHL), the current Dividend Payout Ratio is 0.70 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Bank AL Habib (KAR:BAHL) Overvalued in 2026?

Based on GuruFocus' analysis, Bank AL Habib stock appears to be overvalued. The current stock price of ₨174.92 is trading 50.2% above its estimated GF Value™ of ₨116.43. GuruFocus considers Bank AL Habib to be Significantly Overvalued.

Key valuation signals for KAR:BAHL:

Dividend Payout Ratio: 0.70 (59% above median its 10-year median of 0.44)
GF Value™: ₨116.43 vs. price of ₨174.92 (50.2% above fair value)
GF Score™: 63/100 with 4 warning signs
Industry Position: 118.8% above the Banks median (#993 of 1175)

No single metric tells the full story. See the KAR:BAHL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Bank AL Habib Business Description

Industry Financial Services Banks

Comparable Companies KAR:BAFL KAR:ABL KAR:AKBL KAR:FABL KAR:HMB KAR:SCBPL KAR:BOP KAR:BOK KAR:BIPL KAR:JSBL SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

Address I.I. Chundrigar Road, 2nd Floor, Mackinnons Building, Karachi, SD, PAK

Website https://www.bankalhabib.com

Bank AL Habib Ltd is a banking company in Pakistan. It provides banking services consisting of retail banking, current & savings accounts, credit cards, consumer banking products, provision of banking & other financial services to individual customers, small merchants & small-medium enterprises. The company also provides commercial banking such as banking services including treasury & international trade-related activities to large corporate customers, multinational companies, and government, & semi-government departments & institutions. Geographically, it operates in Pakistan, the Middle East & Asia- Pacific. The majority of revenue is from the Commercial banking segment.

63GF Score

Get the complete analysis for KAR:BAHL

Dividend Payout Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₨174.92

Price

₨116.43

GF Value

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