About First Habib Modaraba
First Habib Modaraba is a company based in Karachi (Pakistan) founded in 2002. It operates as a B2C and B2B. First Habib Modaraba offers products and services including Certificate of Investment, Diminishing Musharaka, FHM Consumer Car Financing, Istisna Financing, and Solar Power Equipment Financing. First Habib Modaraba operates in a competitive market with competitors including Meezan Bank, Allied Bank, Summit Bank, MCB Islamic Bank and Dbank, among others.
- Headquarter Karachi, Pakistan
- SectorsFinancial Services
- Email••••••••
- Phone•••• ••••
- Website habibmodaraba.com
- Legal Name First Habib Modaraba
- Annual Revenue$4.91 B-1.68as on Jun 30, 2026
- Net Profit$747.92 M-17.04as on Jun 30, 2026
- EBITDA$4.42 B-2.47as on Jun 30, 2026
Products & Services of First Habib Modaraba
First Habib Modaraba offers a comprehensive portfolio of products and services, including Certificate of Investment, Diminishing Musharaka, FHM Consumer Car Financing, Istisna Financing, and Solar Power Equipment Financing.
Sharia-based scheme for profit-sharing investments.
Asset purchase financing with shared ownership model.
Car loans for consumers under Islamic principles.
Funding for manufacturing and equipment purchases.
Loans for solar energy equipment acquisition.
IPO & Listings of First Habib Modaraba
First Habib Modaraba is a publicly listed company on the PSX with ticker symbol FHAM in Pakistan, operating in the Finance sector. As a publicly traded entity, the company provides investors with opportunities to participate in its growth story through equity ownership. The listing enables access to capital markets, enhances corporate visibility, and provides liquidity for shareholders while maintaining transparency through regulatory compliance and regular financial disclosures.
- IPO date10 Oct 1988
- Listed onPSX: FHAM
- Listed entityFirst Habib Modaraba
- Exchange sectorFinance
- ISINPK0029901011
- Share price27.75 PKR (+0.95% on the day) · 2026-10-09
- Market capitalisation3,075,546,312.00 PKR
- Price to earnings4.1
- EPS (diluted, trailing year)6.75 PKR
- Dividend yield8.11%
- Volume (last session)40,809
Financials of First Habib Modaraba
| Year | Revenue | Net income | EBITDA |
|---|---|---|---|
| 2026 | 4.91B PKR | 747.9M PKR | 4.42B PKR |
| 2025 | 4.99B PKR | 901.5M PKR | 4.53B PKR |
| 2024 | 5.21B PKR | 690.2M PKR | 4.78B PKR |
| 2023 | 3.50B PKR | 519.6M PKR | 3.20B PKR |
| 2022 | 1.90B PKR | 382.1M PKR | 1.69B PKR |
Detailed financial statements for First Habib Modaraba
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Competitors of First Habib Modaraba
First Habib Modaraba operates in a dynamic and competitive business environment, facing competition from various established players and emerging companies in the market. The competitive landscape includes prominent companies such as Meezan Bank, Allied Bank, Summit Bank, MCB Islamic Bank and Dbank, among others.
| Company Name | Domain | Founded | HQ Location | Total funding | Employees | Description |
|---|---|---|---|---|---|---|
| meezanbank.com | 2002 | Karachi, Pakistan | – | – | Operates as an Islamic bank providing Sharia-compliant financial services. | |
| abl.com | 1942 | Karachi, Pakistan | – | – | Operates as an Islamic bank providing Sharia-compliant financial services. | |
| summitbank.com.pk | 2006 | Karachi, Pakistan | – | – | Diversified Islamic financial services are provided in Pakistan. | |
| mcbislamicbank.com | 2015 | Karachi, Pakistan | – | – | Functions as an Islamic bank offering Sharia-compliant financial services. | |
| dbank.pk | 2021 | Islamabad, Pakistan | $17.6M | – | Islamic banking services are provided in Pakistan. |
Detailed competitors of First Habib Modaraba
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Web traffic of First Habib Modaraba
The website of First Habib Modaraba (habibmodaraba.com) receives about 1.7K visits a month.
- Monthly visits1.7K
▼ 18.3% vs previous month
Similar companies to First Habib Modaraba
10 companies that operate in the same segment as First Habib Modaraba (Islamic FinTech Solutions), ranked by their profile score on The Company Check.
| Company | Description | Founded | Location | Total funding | Revenue | Employees |
|---|---|---|---|---|---|---|
Purchase financing solutions are offered to businesses via installment payments. | 2019 | Dubai, Dubai, United Arab Emirates | USD 837 M | – | – | |
FWD Group is recognized as an innovative insurance provider. | 2013 | Hong Kong, China | USD 1.83 B | USD 4.35 B | – | |
Business loans are connected via an online P2P lending platform. | 2015 | Jakarta, Jakarta, Indonesia | USD 254.32 M | – | – | |
Micro-entrepreneurs and SMEs are linked to investors through P2P lending. | 2010 | Cilandak, Jakarta, Indonesia | USD 53 M | – | – | |
Shariah-compliant investments and savings are offered to individuals. | 2017 | New York, New York, United States | USD 95 M | – | – | |
Buy-now-pay-later installment solutions are provided for retail shoppers. | 2020 | Riyadh, Saudi Arabia | USD 556 M | – | – | |
Unpaid invoices are financed through an online P2P marketplace. | 2019 | Riyadh, Saudi Arabia | USD 35.17 M | – | – | |
Embedded finance solutions are provided for small businesses. | 2007 | London, England, United Kingdom | USD 42 M | – | – | |
Abhi is recognized as a fintech company in Pakistan. | 2021 | Karachi, Sindh, Pakistan | USD 19.13 M | – | – | |
Financial services are provided for MSMEs, investors, and businesses. | 2015 | Lahore, Punjab, Pakistan | USD 24.5 M | – | – |
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Frequently Asked Questions about First Habib Modaraba
First Habib Modaraba was founded in 2002.
First Habib Modaraba is headquartered in Karachi, Pakistan. It is registered at Karachi, Sindh, Pakistan.
First Habib Modaraba operates as a non-bank Islamic financial institution in Pakistan, providing Sharia-compliant products like certificates of investment and car financing. It focuses on profit-sharing models for investors, maintaining strong asset quality and profitability. The company has offices in major cities including Karachi and emphasizes corporate governance and sustainability practices.
First Habib Modaraba's top competitors include Summit Bank, Dbank and Meezan Bank.
First Habib Modaraba offers Certificate of Investment, Diminishing Musharaka, FHM Consumer Car Financing, Istisna Financing, and Solar Power Equipment Financing.
Yes, First Habib Modaraba is publicly traded on PSX under the ticker symbol FHAM.
First Habib Modaraba operates through First Habib Modaraba.