Habib Bank (KAR:HBL) Change In Receivables: ₨0 Mil (TTM As of Jun. 2026)

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KAR:HBL Habib Bank Ltd KAR:HBL
53 GF Score
Price ₨311.77
GF Value ₨163.88
Valuation Significantly Overvalued
! 2 Warning Signs
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What is Habib Bank Change In Receivables?

Habib Bank KAR:HBL -0.61% 53 Change In Receivables is ₨0 Mil as of Jun. 2026. GuruFocus rates KAR:HBL with a GF Score™ of 53/100 and a GF Value™ of ₨163.88 (Significantly Overvalued). The stock has 2 warning signs investors should review.

Habib Bank's change in receivables for the quarter that ended in Jun. 2026 was ₨0 Mil. It means Habib Bank's Accounts Receivable stayed the same from Mar. 2026 to Jun. 2026 .

Habib Bank's change in receivables for the fiscal year that ended in Dec. 2025 was ₨0 Mil. It means Habib Bank's Accounts Receivable stayed the same from Dec. 2024 to Dec. 2025 .

Habib Bank's Accounts Receivable for the quarter that ended in Jun. 2026 was ₨0 Mil.

Days Sales Outstanding measures of the average number of days that a company takes to collect revenue after a sale has been made. It is a financial ratio that illustrates how well a company's Accounts Receivable are being managed. Habib Bank's Days Sales Outstanding for the three months ended in Jun. 2026 was 0.00.

In Ben Graham's calculation of liquidation value, Apple Inc's Accounts Receivable are only considered to be worth 75% of book value. Habib Bank's liquidation value for the three months ended in Jun. 2026 was ₨-6,915,800 Mil.

Habib Bank  (KAR:HBL) Change In Receivables Explanation

1. Accounts Receivable are created when a customer has received a product but has not yet paid for that product. Days Sales Outstanding measures of the average number of days that a company takes to collect revenue after a sale has been made. It is a financial ratio that illustrates how well a company's Accounts Receivable are being managed.

Habib Bank's Days Sales Outstanding for the quarter that ended in Jun. 2026 is calculated as:

Days Sales Outstanding
=Accounts Receivable/Revenue*Days in Period
=0/92913.389*91
=0.00

2. In Ben Graham's calculation of liquidation value, Habib Bank's accounts receivable are only considered to be worth 75% of book value:

Habib Bank's liquidation value for the quarter that ended in Jun. 2026 is calculated as:

Liquidation Value
=Cash, Cash Equivalents, Marketable Securities-Total Liabilities+(0.75 * Accounts Receivable)+(0.5 * Total Inventories)
=647541.518-7563341.727+0.75 * 0+0.5 * 0
=-6,915,800

* 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 Bank Change In Receivables Related Terms

Habib Bank Change In Receivables Historical Data

* Premium members only.

The historical data trend for Habib Bank's Change In Receivables 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 Bank Change In Receivables Chart

Habib Bank Annual Data
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Change In Receivables
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Habib Bank Quarterly Data
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Change In Receivables 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 0.00 0.00 0.00 0.00 0.00
KAR:HBL
53GF Score
Habib Bank Ltd KAR:HBL
Change In Receivables is just one metric. See GF Score™, valuation, warning signs, and more.
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Habib Bank Change In Receivables Calculation

Change In Accounts Receivable relative to the previous period. It is any increase or decrease in the cash a company is owed by its customers.

Change In Receivables for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₨0 Mil.

* 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.

Frequently Asked Questions Learn more about Change In Receivables →
What does a Change In Receivables of ₨0 Mil mean?
Habib Bank (KAR:HBL) has a Change In Receivables of ₨0 Mil as of Jun. 2026. Change in Receivables is the difference between current-period receivables and past-period receivables. View historical data for Habib Bank and its competitors.
Is Habib Bank's Change In Receivables too high?
Habib Bank's current Change In Receivables is ₨0 Mil. Overall, Habib Bank has a GF Score™ of 53/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Habib Bank's Change In Receivables compare to competitors?
Habib Bank's Change In Receivables of ₨0 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 Change In Receivables for a Banks company?
A good Change In Receivables depends on the Banks industry context. However, Change In Receivables 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 Change In Receivables mean?
A high Change In Receivables can signal that a stock is expensive relative to its fundamentals. Change in Receivables is the difference between current-period receivables and past-period receivables. View historical data for Habib Bank and its competitors. Habib Bank's current Change In Receivables is ₨0 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Habib Bank stock overvalued right now?
Based on GuruFocus' analysis, Habib Bank (KAR:HBL) is currently considered Significantly Overvalued. The stock's GF Value™ is ₨163.88, compared to a current price of ₨311.77 — trading 90.2% above its estimated fair value. The current Change In Receivables is ₨0 Mil. Habib Bank's overall GF Score™ is 53/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Change In Receivables calculated?
Change In Receivables is calculated from a company's financial statements. For Habib Bank (KAR:HBL), the current Change In Receivables is ₨0 Mil as of Jun. 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 Bank (KAR:HBL) Overvalued in 2026?

Based on GuruFocus' analysis, Habib Bank stock appears to be overvalued. The current stock price of ₨311.77 is trading 90.2% above its estimated GF Value™ of ₨163.88. GuruFocus considers Habib Bank to be Significantly Overvalued.

Key valuation signals for KAR:HBL:

  • Change In Receivables: ₨0 Mil
  • GF Value™: ₨163.88 vs. price of ₨311.77 (90.2% above fair value)
  • GF Score™: 53/100 with 2 warning signs

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

Habib Bank Business Description

Address HBL Tower, Plot No. G-4, KDA Scheme 5, Block 7 Clifton, Karachi, PAK, 75650
Habib Bank Ltd is engaged in commercial banking related services in Pakistan and overseas. The operating business segments are Retail banking; Consumer, SME and agriculture lending; Corporate, commercial and investment banking; International; Financial Institutions; Treasury; Branchless Banking; Asset Management, Microfinance; and Head Office / Others. The company operates in Pakistan, the Middle East & Africa, Asia, and Europe. The Retail banking segment derives the maximum revenue for the company.
53GF Score

Get the complete analysis for KAR:HBL

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

₨311.77
Price
₨163.88
GF Value