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EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Bank AL Habib's Enterprise Value is ₨-7,542 Mil.
Bank AL Habib's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was ₨117,402 Mil. Therefore, Bank AL Habib's EV-to-OCF for today is -0.06.
The historical rank and industry rank for Bank AL Habib's EV-to-OCF or its related term are showing as below:
KAR:BAHL'
s EV-to-OCF Range Over the Past 10 Years
Min: -2.14 Med: -0.01 Max: 15.24
Current: -0.02
During the past 13 years, the highest EV-to-OCF of Bank AL Habib was 15.24. The lowest was -2.14. And the median was -0.01.
KAR:BAHL's EV-to-OCF is ranked better than 69.91% of 1489
companies
in the Banks industry
Industry Median: 4.16
vs KAR:BAHL: -0.02
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Bank AL Habib's PE Ratio (TTM) for today is calculated as:
Bank AL Habib's share price for today is ₨154.61.
Bank AL Habib's Earnings per Share (Diluted) 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 ₨25.244.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Bank AL Habib EV-to-OCF Related Terms
Bank AL Habib EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Bank AL Habib's EV-to-OCF 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.
For the Banks - Regional subindustry, Bank AL Habib's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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.
Bank AL Habib EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Bank AL Habib's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Bank AL Habib's EV-to-OCF falls into.
Bank AL Habib's current Enterprise Value is ₨-7,542 Mil.
Bank AL Habib's Cash Flow from Operations 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 ₨117,402 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.
Bank AL Habib (KAR:BAHL) has a EV-to-OCF of -0.06 as of Sep. 21, 2026. According to the industry distribution chart, Bank AL Habib ranks #448 out of 1489 companies in the Banks industry, placing it in the top 30.1%.
Is Bank AL Habib's EV-to-OCF too high?
Bank AL Habib's current EV-to-OCF is -0.06. Based on the distribution chart, Bank AL Habib ranks #448 out of 1489 companies in the Banks industry, which is above the industry midpoint. Overall, Bank AL Habib has a GF Score™ of 65/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank AL Habib's EV-to-OCF compare to competitors?
According to the Banks industry distribution chart, Bank AL Habib ranks #448 out of 1489 companies for EV-to-OCF. This puts Bank AL Habib in the upper half of its industry. The industry median EV-to-OCF is 4.16. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 4.16, based on 1,489 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 4.16 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank AL Habib's current EV-to-OCF is -0.06. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank AL Habib stock overvalued right now?
Based on GuruFocus' analysis, Bank AL Habib (KAR:BAHL) is currently considered Modestly Overvalued. The stock's GF Value™ is ₨127.64, compared to a current price of ₨154.61 — trading 21.1% above its estimated fair value. The current EV-to-OCF is -0.06. Bank AL Habib's overall GF Score™ is 65/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Bank AL Habib (KAR:BAHL), the current EV-to-OCF is -0.06 as of Sep. 21, 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 Bank AL Habib (KAR:BAHL) Overvalued in 2026?
Based on GuruFocus' analysis, Bank AL Habib stock appears to be overvalued.
The current stock price of ₨154.61 is trading 21.1% above its estimated GF Value™ of ₨127.64.
GuruFocus considers Bank AL Habib to be Modestly Overvalued.
Key valuation signals for KAR:BAHL:
EV-to-OCF: -0.06
GF Value™: ₨127.64 vs. price of ₨154.61 (21.1% above fair value)
No single metric tells the full story. See the KAR:BAHL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank AL Habib Ltd is a banking company in Pakistan. It provides banking services consisting of retail banking, current & savings accounts, credit cards, consumer banking products, provision of banking & other financial services to individual customers, small merchants & small-medium enterprises. The company also provides commercial banking such as banking services including treasury & international trade-related activities to large corporate customers, multinational companies, and government, & semi-government departments & institutions. Geographically, it operates in Pakistan, the Middle East & Asia- Pacific. The majority of revenue is from the Commercial banking segment.
65GF Score
Get the complete analysis for KAR:BAHL
EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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