Habib Metropolitan Bank (KAR:HMB) Net Loan: ₨536,210 Mil (As of Mar. 2026)

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KAR:HMB Habib Metropolitan Bank Ltd KAR:HMB
62 GF Score
Price ₨113.15
GF Value ₨79.01
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Habib Metropolitan Bank Net Loan?

Habib Metropolitan Bank KAR:HMB -0.50% 62 Net Loan is ₨536,210 Mil as of Mar. 2026. GuruFocus rates KAR:HMB with a GF Score™ of 62/100 and a GF Value™ of ₨79.01 (Significantly Overvalued). The stock has 5 warning signs investors should review.

Habib Metropolitan Bank's quarterly net loan increased from Sep. 2025 (₨468,857 Mil) to Dec. 2025 (₨524,935 Mil) and increased from Dec. 2025 (₨524,935 Mil) to Mar. 2026 (₨536,210 Mil).

Habib Metropolitan Bank's annual net loan increased from Dec. 2023 (₨392,428 Mil) to Dec. 2024 (₨524,935 Mil) and increased from Dec. 2024 (₨524,935 Mil) to Dec. 2025 (₨536,210 Mil).

Habib Metropolitan Bank Net Loan Historical Data

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The historical data trend for Habib Metropolitan Bank's Net Loan 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.

Habib Metropolitan Bank Net Loan Chart

Habib Metropolitan Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 352,678.69 399,076.65 392,428.26 449,045.72 524,934.80

Habib Metropolitan Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 570,172.52 463,427.41 468,857.45 524,934.80 536,209.50
KAR:HMB
62GF Score
Habib Metropolitan Bank Ltd KAR:HMB
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Habib Metropolitan Bank Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of ₨536,210 Mil mean?
Habib Metropolitan Bank (KAR:HMB) has a Net Loan of ₨536,210 Mil as of Mar. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on Habib Metropolitan Bank and its competitors.
Is Habib Metropolitan Bank's Net Loan too high?
Habib Metropolitan Bank's current Net Loan is ₨536,210 Mil. Overall, Habib Metropolitan Bank has a GF Score™ of 62/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Habib Metropolitan Bank's Net Loan compare to competitors?
Habib Metropolitan Bank's Net Loan of ₨536,210 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Habib Metropolitan Bank and its competitors. Habib Metropolitan Bank's current Net Loan is ₨536,210 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Habib Metropolitan Bank stock overvalued right now?
Based on GuruFocus' analysis, Habib Metropolitan Bank (KAR:HMB) is currently considered Significantly Overvalued. The stock's GF Value™ is ₨79.01, compared to a current price of ₨113.15 — trading 43.2% above its estimated fair value. The current Net Loan is ₨536,210 Mil. Habib Metropolitan Bank's overall GF Score™ is 62/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Habib Metropolitan Bank (KAR:HMB), the current Net Loan is ₨536,210 Mil 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 Habib Metropolitan Bank (KAR:HMB) Overvalued in 2026?

Based on GuruFocus' analysis, Habib Metropolitan Bank stock appears to be overvalued. The current stock price of ₨113.15 is trading 43.2% above its estimated GF Value™ of ₨79.01. GuruFocus considers Habib Metropolitan Bank to be Significantly Overvalued.

Key valuation signals for KAR:HMB:

  • Net Loan: ₨536,210 Mil
  • GF Value™: ₨79.01 vs. price of ₨113.15 (43.2% above fair value)
  • GF Score™: 62/100 with 5 warning signs

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

Habib Metropolitan Bank Business Description

Address I.I. Chundrigar Road, Ground Floor, HabibMetro Head Office, Karachi, SD, PAK, 74200
Habib Metropolitan Bank Ltd is a provider of commercial banking products and services to individual and corporate customers. The bank utilizes the medium of branch banking and electronic banking channels to render a hoard of products and services such as current and savings accounts, deposits, remittance, cash management services, E-salary accounts and web banking. Its operating segment includes Trade and Sales; Retail Banking and Commercial Banking, and Islamic Banking. The Bank conducts its operations in Pakistan including an offshore branch in Karachi Export Processing Zone.
62GF Score

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

₨113.15
Price
₨79.01
GF Value