FHAM — First Habib Modaraba

Sector: Modarabas · Pakistan Stock Exchange

⚠ Prices: 6 Nov 2026 — PSX end-of-day close (feed fetched 23:14 PKT) · Fundamentals: public data collected 6 Nov 2026 · Not live prices.

Summary Performance Investment Case Forecasts Quotes Technical Chart Technicals Company Shareholding Financials Valuation & Fair Value Calendar Sector FAQ

Summary — FHAM

Measure	Value
Price (Rs, 6 Nov — PSX delayed feed)	27.98
Change, 6 Nov session (delayed)	+0.47%
Volume (shares, 6 Nov session)	21,512
Market capitalisation	Rs 3.10 bn
Revenue (TTM)	Rs 1.58 bn
Price / Earnings (P/E)	4.10
Price / Book (P/B)	0.49
Dividend yield	8.20%
Return on equity (ROE)	12.40%
Net margin	15.40%
Debt / Equity (as reported by source)	356.00%
Revenue growth, 3-year	12.20%

Company Snapshot

Paid-up Capital	Rs 1,108.31 mn
Authorized Capital	Rs 1,400.00 mn
Shares Outstanding	110.83 mn
Free Float	94.21 mn
Free Float %	85.00 %
Face Value	Rs 10.00
Fiscal Year End	June
Avg Volume (12M)	28,944
Book Value / Share	Rs. 56.49 (Upto 2026 4Q)
Total Book Value (computed)	Rs 6.26 bn

Capital data: SCSTRADE company snapshot, collected 6 Nov 2026. Total Book Value is computed on this page as Book Value / Share × Shares Outstanding.

PSX Scorecard — five checks on this stock's own data

VALUE

6/6

FUTURENo forecast data

PAST

5.5/6

HEALTH

3/6

DIVIDEND

6/6

Strongest: Value (6/6). Weakest: Financial health (3/6).

How this is scored

Scores are computed mechanically from the data on this page, 0–6 per axis, scaled over the checks that could be run — an axis with no data is labelled, never scored zero for missing data. VALUE: upside to the average analyst target (bands from +30% down), P/E and P/B below the sector median, yield above the sector median. FUTURE: S&P consensus forward EPS and revenue growth bands (only where estimates exist). PAST: revenue and EPS growth across the published financial history, latest year profitable, ROE bands. HEALTH: debt/equity bands, positive latest net margin, no loss-making year in the history. DIVIDEND: yield bands, years of recorded DPS, DPS trend, and payout (DPS ÷ EPS) at or under 100%. The full rule table is in the site's data inventory. Scores are a data summary, not a recommendation.

Performance — FHAM

1W+0.5%

1M+0.7%

3M-18.2%

6M-8.2%

1Y-19.0%

Returns computed from daily closes to 05 Nov 2026 (Yahoo Finance PSX series, collected 6 Nov 2026); each bar is scaled to the largest move shown.

52-week range — daily-close series

52-week lowRs 26.79Now Rs 27.98
+4.4% above low · −23.9% below high52-week highRs 36.77

Day range — 6 Nov 2026 session

Day lowRs 27.55Close Rs 27.98Day highRs 28.49

Day high/low from the official PSX market-summary feed for the 6 Nov 2026 session.

Investment Case — FHAM

Strengths — from the numbers

Revenue grew +192.2% across the published history, FY2022–FY2026 (Rs 525m → Rs 1,535m).
Earnings per share grew +78.1% across the published history, FY2022–FY2026 (Rs 3.79 → Rs 6.75).
Dividends recorded in every one of the 5 years in the published record; latest DPS Rs 2.25 (2026), a dividend yield of 8.20% at the current price.

Risks / watch points — from the numbers

Net margin has fallen to 48.72% in FY2026, from 72.74% in FY2022.
Revenue fell -0.3% in the latest year, FY2026 (Rs 1,539m → Rs 1,535m).
Earnings per share fell -17.0% in the latest year, FY2026 (Rs 8.13 → Rs 6.75).
Debt/equity of 3.56 — above 2 (the source reports this figure as 356.00%).
Share price is down -19.0% over the past year on the chart series (2025-11-06 → 2026-11-05).

Recent performance — FY2026

Revenue	Rs 1,535m (-0.3% vs FY2025)
Net income	Rs 748m (-17.0% vs FY2025)
EPS	Rs 6.75 (-17.0% vs FY2025)
Net margin	48.72%

Latest published fiscal year from the financial history below (StockAnalysis figures, collected 6 Nov 2026).

Generated from the figures above — PSX Analysis data summary, not investment advice.

Upcoming Result — Broker Forecasts

Expected Dividend — Broker Estimate

House	Expected dividend / share	Expected yield
SCSTRADE (Standard Capital Securities)	Rs 2.49	8.91%

House's published expected dividend, Upto 2027 1Q — SCSTRADE company snapshot, collected 7 Nov 2026.

Forecasts are the publishing houses' own estimates — not actual results and not PSX Analysis estimates.

Quotes — FHAM

Quote	Value
Last price (Rs)	27.98
Change, 6 Nov session	+0.47%
Day open, 6 Nov (Rs)	27.85
Day high, 6 Nov (Rs)	28.49
Day low, 6 Nov (Rs)	27.55
Previous close — LDCP (Rs)	27.85
Volume (shares, 6 Nov session)	21,512
Market capitalisation	Rs 3.10 bn
1-year high (chart series, Rs)	36.77
1-year low (chart series, Rs)	26.79
1-year change (chart series)	-19.0%

Day open/high/low and previous close (LDCP) are from the official PSX market-summary feed for the 6 Nov 2026 session, the same feed that supplies the closing price. 1-year figures are computed from the daily-close chart series below.

Last 10 trading sessions

Date	Close (Rs)	Change
05 Nov 2026	27.70	+0.00%
04 Nov 2026	27.70	+0.87%
03 Nov 2026	27.46	+0.18%
02 Nov 2026	27.41	-0.33%
30 Oct 2026	27.50	-0.22%
29 Oct 2026	27.56	-0.68%
28 Oct 2026	27.75	+2.02%
27 Oct 2026	27.20	+1.12%
26 Oct 2026	26.90	+0.41%
23 Oct 2026	26.79	-1.29%

Daily closes: Yahoo Finance PSX series, collected 6 Nov 2026. The series records closes only, so no volume column is shown.

Technical Chart — FHAM

Loading chart…

Daily candles — Yahoo Finance daily data to 6 Nov 2026 · End-of-day, delayed — not real-time prices.

2024-11-06 → 2026-11-06 · +76.0% over the period · 514 trading days · Moving averages, RSI and MACD are computed in your browser from the same daily bars. Trend lines connect the two most recent swing highs/lows.

1-year returns compared

1-year price change	Change
FHAM (this stock)	-19.0%
Sector median — Modarabas (median of 18 stocks in our dataset)	+11.2%
All listed stocks median (median of 440 stocks in our dataset)	-6.2%

Price change only (dividends not included), from the daily-close series above.

Technicals — FHAM

Moving averages

Average	Value (Rs)	Price vs average
MA20 — 20-session average	27.41	Price Above
MA50 — 50-session average	29.41	Price Below
MA200 — 200-session average	31.31	Price Below

RSI (14) — 44.4 · Neutral

030 — oversold below70 — overbought above100

Wilder RSI(14) computed from the daily-close series. RSI is a momentum gauge, not a buy or sell signal.

Classic pivot levels — from the 6 Nov session

Level	Rs
Resistance 2 (R2)	28.95
Resistance 1 (R1)	28.46
Pivot point (PP)	28.01
Support 1 (S1)	27.52
Support 2 (S2)	27.07

Classic pivots from the 6 Nov 2026 session's high (Rs 28.49), low (Rs 27.55) and close (Rs 27.98) in the official PSX feed. The close sits below the pivot point.

Signals summary

Reading	Status
Price vs MA20	Above
Price vs MA50	Below
Price vs MA200	Below
RSI (14) zone	Neutral (44.4)
MACD vs signal line	Above
Short-term trend (MA20 vs MA50)	Down
Medium-term trend (MA50 vs MA200)	Down
Long-term trend (price vs MA200)	Down

Trend labels compare the named averages (long-term compares the price with MA200); “Up” means the first-named sits above the second. Mechanical readings from daily closes — not investment advice.

Technicals are mechanical calculations on past prices. Based on daily closes to 05 Nov 2026. They describe momentum and recent trading ranges only — not investment advice.

Company — FHAM

Company	First Habib Modaraba
Symbol	FHAM
Sector	Modarabas
Market capitalisation	Rs 3.10 bn
Revenue (TTM)	Rs 1.58 bn

First Habib Modaraba First Habib Modaraba, a Non-Bank Islamic Financial Institution, engages in the leasing, financing, and other related businesses in Pakistan. The company offers Diminishing Musharaka, a Musharaka with an additional feature of decreasing ownership of one party. It also provides financial services, including Murabaha, a non-participatory mode of Islamic financing; consumer and corporate car financing; residual value car financing; Istisna financing for working capital finance; plant machinery / generators / equipment financing; and financing for s... [

Founded 1985 · Employees 91 — as published by StockAnalysis.

Company description: StockAnalysis company profile, collected 6 Nov 2026.

Exchange record: PSX company profile for FHAM (Pakistan Stock Exchange data portal).

Pattern of shareholding as at 30 June 2026 — FHAM Annual Report 2026

Others64,860,943 · 58.52%

General Public (Local)25,365,480 · 22.89%

Associated Companies, undertakings and related parties15,998,092 · 14.43%

Insurance Companies2,007,510 · 1.81%

General Public (Foreign)1,060,168 · 0.96%

Foreign Companies863,768 · 0.78%

Mutual Funds671,365 · 0.61%

NIT and ICP2,730 · 0.00%

Banks Development Financial Institutions, Non-Banking Financial Institutions444 · 0.00%

Total shares: 110,830,500 (100%). Bars are scaled to the largest category.

Source: Annual Report 2026 — PSX announcement “Transmission of Annual Report for the Year Ended June 30, 2026”, Sep 15, 2026 · https://dps.psx.com.pk/download/document/282703.pdf. Pattern as printed in the annual report; percentages are the report's own. Collected 6 Nov 2026.

Financials — FHAM

Revenue (TTM)
Rs 1,585m

Net income (TTM)
Rs 770m

EPS (TTM)
Rs 6.95

Net margin (TTM)
48.60%

P/E
4.10

P/B
0.49

Dividend yield
8.20%

ROE
12.40%

Net margin
15.40%

Debt / Equity
356.00%

Measure	FY2022	FY2023	FY2024	FY2025	FY2026
Revenue (Rs m)	525	832	1,372	1,539	1,535
Operating income (Rs m)	284	496	914	1,019	992
Net income (Rs m)	382	520	690	902	748
EPS (Rs)	3.79	4.69	6.23	8.13	6.75
Net margin	72.74%	62.44%	50.29%	58.58%	48.72%

Trailing twelve months (to Sep 30, 2026, not a completed fiscal year): Revenue Rs 1,585m · Net income Rs 770m · EPS Rs 6.95 · Net margin 48.60%.

Source: StockAnalysis financials, collected 6 Nov 2026 — this stock's published history here spans FY2022–FY2026 (5 fiscal years; the source table publishes a maximum of five completed years per stock). A dash means the source did not publish that figure for that year.

Dividend History

Dividend per share (Rs, per fiscal year)	2022	2023	2024	2025	2026
DPS	2	2	2.1	2.25	2.25

A dash means no dividend was recorded for that year in the source. Source: StockAnalysis dividend history, collected 6 Nov 2026.

All recorded dividend payments

Payments recorded since 2021 — StockAnalysis, collected 7 Nov 2026.

Ex-dividend date	Dividend (Rs)	Pay date
Sep 30, 2026	2.250	Oct 13, 2026
Sep 30, 2025	2.250	Oct 16, 2025
Oct 2, 2024	2.100	Oct 23, 2024
Oct 13, 2023	2.000	Nov 3, 2023
Oct 14, 2022	2.000	Oct 31, 2022
Oct 14, 2021	2.800	Oct 29, 2021

Payout ratio, FY2026: dividend per share Rs 2.25 ÷ EPS Rs 6.75 = 33.3% of earnings paid out as dividends.

Valuation & Fair Value — FHAM

Fair P/E Value — sector multiple

Rs 126.84

Current price Rs 27.98 · +353.3%

Formula: sector median P/E 18.25× × EPS Rs 6.95 = Rs 126.84. Sector median across 12 Modarabas peers with a published P/E — the same basis as the median table below. EPS is the trailing-twelve-month (TTM) figure published in the dataset.

Fair P/B Value — sector multiple

Rs 60.44

Current price Rs 27.98 · +116.0%

Formula: sector median P/B 1.07× × book value per share Rs 56.49 = Rs 60.44. Sector median across 17 Modarabas peers with a published P/B — the same basis as the median table below. Book value per share from the SCSTRADE company snapshot (Upto 2026 4Q), collected 6 Nov 2026.

2 of 2 measures above the current price. Each measure stands on its own stated basis — they are deliberately not blended into a single fair value. Mechanical estimates computed from published data; not investment advice.

Measure	FHAM	Sector median
Price / Earnings (P/E)	4.10	18.25
Price / Book (P/B)	0.49	1.07
Dividend yield	8.20%	0.00%
Return on equity (ROE)	12.40%	4.10%

Sector median across 20 listed peers in our dataset (sector: Modarabas), computed only from peers where the measure is published; a median is shown only when at least 5 peers have the measure.

Calendar — FHAM

Ex-dividend date	Dividend (Rs)	Pay date	Status
Sep 30, 2026	2.250	Oct 13, 2026	Paid
Sep 30, 2025	2.250	Oct 16, 2025	Paid
Oct 2, 2024	2.100	Oct 23, 2024	Paid
Oct 13, 2023	2.000	Nov 3, 2023	Paid
Oct 14, 2022	2.000	Oct 31, 2022	Paid
Oct 14, 2021	2.800	Oct 29, 2021	Paid

Dividend dates as recorded by StockAnalysis (collected 6 Nov 2026); past payments are labelled Paid. Market-closed days that affect settlement: PSX Holidays 2026 · more yields and payers on the dividend hub.

Sector — FHAM

FHAM ranks #3 by market capitalisation among the 20 listed Modarabas stocks in our dataset. Full sector tables: Sectors.

Peer	Price (Rs)	Change, 6 Nov	Market Cap
PIM	192.48	+9.94%	Rs 3.85 bn
FTMM	18.95	-0.37%	Rs 3.71 bn
SINDM	65.92	-9.99%	Rs 2.97 bn
WASL	7.20	+0.98%	Rs 1.16 bn
OLPM	25.26	+7.49%	Rs 1.15 bn
ORM	10.63	+1.92%	Rs 797.2 mn
FPJM	19.62	+7.92%	Rs 667.5 mn
FIMM	208.98	+4.32%	Rs 626.9 mn

FAQ — FHAM

What is the current FHAM share price?

First Habib Modaraba (FHAM) last traded at Rs 27.98 in the 6 Nov 2026 session, +0.47% on the day. Prices on this page are the PSX end-of-day close from the official delayed feed, not live prices.

What is FHAM's 52-week range?

Across the daily-close series (2025-11-06 to 2026-11-05), FHAM traded between Rs 26.79 and Rs 36.77. The latest close in the series was Rs 27.70.

Which PSX sector is FHAM in?

First Habib Modaraba (FHAM) is classified in the Modarabas sector on the Pakistan Stock Exchange.

What is the latest FHAM dividend?

Total dividend per share for fiscal 2026 was Rs 2.25; the most recent recorded payment is Rs 2.25 per share (ex-date Sep 30, 2026, pay date Oct 13, 2026). Dividend history as recorded by StockAnalysis, collected 6 Nov 2026.

What are FHAM's P/E ratio and dividend yield?

First Habib Modaraba (FHAM) shows a P/E ratio of 4.10 and a dividend yield of 8.20% in the public data collected 6 Nov 2026.

Answers are generated from this page's own figures (public data collected 6 Nov 2026; prices are the 6 Nov 2026 PSX end-of-day close, not live).

First Habib Modaraba (FHAM) is classified in the Modarabas sector on the Pakistan Stock Exchange.

Every figure above comes from public listings collected on 6 November 2026 (StockAnalysis and SmartMoney, merged by symbol), with the price, change and volume refreshed on 6 Nov 2026 from the official PSX delayed market feed (end-of-day close, fetched 23:14 PKT) — delayed figures, not live prices. If this stock was absent from that feed, its price is the previous latest close. A dash means the measure was not published for this stock by the sources, not that it is zero. Compare FHAM with the market's largest shares in the Top 250 screener, browse the whole market in Stocks A–Z, and read the ratios explainer in Learn.

This page is a data summary for education, not a recommendation to buy or sell FHAM.