Habib Metropolitan Bank (KAR:HMB) Cyclically Adjusted FCF per Share: ₨75.98 (As of Mar. 2026)

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KAR:HMB Habib Metropolitan Bank Ltd KAR:HMB
61 GF Score
Price ₨116.03
GF Value ₨78.41
Valuation Significantly Overvalued
! 7 Warning Signs
View Full Analysis

What is Habib Metropolitan Bank Cyclically Adjusted FCF per Share?

Habib Metropolitan Bank KAR:HMB -1.85% 61 Cyclically Adjusted FCF per Share is ₨75.98 as of Mar. 2026. GuruFocus rates KAR:HMB with a GF Score™ of 61/100 and a GF Value™ of ₨78.41 (Significantly Overvalued). The stock has 7 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Habib Metropolitan Bank's adjusted free cash flow per share for the three months ended in Mar. 2026 was ₨40.981. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is ₨75.98 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Habib Metropolitan Bank's average Cyclically Adjusted FCF Growth Rate was 15.40% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Habib Metropolitan Bank was 5.20% per year. The lowest was 0.00% per year. And the median was 2.60% per year.

As of today (2026-07-14), Habib Metropolitan Bank's current stock price is ₨116.03. Habib Metropolitan Bank's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was ₨75.98. Habib Metropolitan Bank's Cyclically Adjusted Price-to-FCF of today is 1.53.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Habib Metropolitan Bank was 1.80. The lowest was 0.32. And the median was 0.69.


Habib Metropolitan Bank  (KAR:HMB) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Habib Metropolitan Bank's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=116.03/75.98
=1.53

* 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.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Habib Metropolitan Bank was 1.80. The lowest was 0.32. And the median was 0.69.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Habib Metropolitan Bank Cyclically Adjusted FCF per Share Related Terms


Habib Metropolitan Bank Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Habib Metropolitan Bank's Cyclically Adjusted FCF per Share 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 Cyclically Adjusted FCF per Share Chart

Habib Metropolitan Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 65.43 72.84 99.98 76.26 72.91

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
Cyclically Adjusted FCF per Share 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 65.83 73.38 68.62 72.91 75.98

Habib Metropolitan Bank Cyclically Adjusted FCF per Share Competitor Comparison

For the Banks - Regional subindustry, Habib Metropolitan Bank's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF 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.


Habib Metropolitan Bank Cyclically Adjusted Price-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Habib Metropolitan Bank's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Habib Metropolitan Bank's Cyclically Adjusted Price-to-FCF falls into.


KAR:HMB
61GF Score
Habib Metropolitan Bank Ltd KAR:HMB
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Habib Metropolitan Bank Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Habib Metropolitan Bank's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=40.981/330.2130*330.2130
=40.981

Current CPI (Mar. 2026) = 330.2130.

Habib Metropolitan Bank Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 63.464 241.018 86.951
201609 -11.320 241.428 -15.483
201612 -52.087 241.432 -71.241
201703 4.328 243.801 5.862
201706 12.013 244.955 16.194
201709 47.749 246.819 63.882
201712 21.729 246.524 29.105
201803 -48.356 249.554 -63.985
201806 48.545 251.989 63.615
201809 -1.341 252.439 -1.754
201812 -33.358 251.233 -43.845
201903 -9.075 254.202 -11.789
201906 95.489 256.143 123.102
201909 48.267 256.759 62.075
201912 -16.612 256.974 -21.347
202003 -7.981 258.115 -10.210
202006 28.641 257.797 36.686
202009 57.532 260.280 72.990
202012 34.961 260.474 44.321
202103 13.516 264.877 16.850
202106 91.475 271.696 111.177
202109 -17.924 274.310 -21.577
202112 36.140 278.802 42.804
202203 -17.793 287.504 -20.436
202206 31.633 296.311 35.252
202209 28.397 296.808 31.593
202212 10.995 296.797 12.233
202303 100.090 301.836 109.500
202306 -87.954 305.109 -95.191
202309 -7.321 307.789 -7.854
202312 226.887 306.746 244.245
202403 -19.805 312.332 -20.939
202406 -36.340 314.175 -38.195
202409 21.115 315.301 22.114
202412 -140.142 315.605 -146.629
202503 -48.606 319.799 -50.189
202506 97.733 322.561 100.051
202509 50.496 324.800 51.338
202512 -22.052 324.054 -22.471
202603 40.981 330.213 40.981

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of ₨75.98 mean?
Habib Metropolitan Bank (KAR:HMB) has a Cyclically Adjusted FCF per Share of ₨75.98 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Habib Metropolitan Bank and its competitors.
Is Habib Metropolitan Bank's Cyclically Adjusted FCF per Share too high?
Habib Metropolitan Bank's current Cyclically Adjusted FCF per Share is ₨75.98. Overall, Habib Metropolitan Bank has a GF Score™ of 61/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Habib Metropolitan Bank's Cyclically Adjusted FCF per Share compare to competitors?
Habib Metropolitan Bank's Cyclically Adjusted FCF per Share of ₨75.98 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 Cyclically Adjusted FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF per Share 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 Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Habib Metropolitan Bank and its competitors. Habib Metropolitan Bank's current Cyclically Adjusted FCF per Share is ₨75.98. 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 ₨78.41, compared to a current price of ₨116.03 — trading 48% above its estimated fair value. The current Cyclically Adjusted FCF per Share is ₨75.98. Habib Metropolitan Bank's overall GF Score™ is 61/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Habib Metropolitan Bank (KAR:HMB), the current Cyclically Adjusted FCF per Share is ₨75.98 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 ₨116.03 is trading 48% above its estimated GF Value™ of ₨78.41. GuruFocus considers Habib Metropolitan Bank to be Significantly Overvalued.

Key valuation signals for KAR:HMB:

  • Cyclically Adjusted FCF per Share: ₨75.98
  • GF Value™: ₨78.41 vs. price of ₨116.03 (48% above fair value)
  • GF Score™: 61/100 with 7 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.
61GF Score

Get the complete analysis for KAR:HMB

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₨116.03
Price
₨78.41
GF Value