EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Habib Metropolitan Bank's Enterprise Value is ₨95,336 Mil.
Habib Metropolitan Bank's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was ₨175,211 Mil. Therefore, Habib Metropolitan Bank's EV-to-FCF for today is 0.54.
The historical rank and industry rank for Habib Metropolitan Bank's EV-to-FCF or its related term are showing as below:
KAR:HMB'
s EV-to-FCF Range Over the Past 10 Years
Min: -2.74 Med: -0.1 Max: 1.1
Current: 0.53
During the past 13 years, the highest EV-to-FCF of Habib Metropolitan Bank was 1.10. The lowest was -2.74. And the median was -0.10.
KAR:HMB's EV-to-FCF is ranked better than 80.55% of 1193
companies
in the Banks industry
Industry Median: 6.61
vs KAR:HMB: 0.53
EV-to-FCF 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.
Habib Metropolitan Bank (KAR:HMB) EV-to-FCF Explanation
EV-to-FCF 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.
Habib Metropolitan Bank's PE Ratio (TTM) for today is calculated as:
Habib Metropolitan Bank's share price for today is ₨117.11.
Habib Metropolitan Bank's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₨20.516.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
* 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 EV-to-FCF Competitor Comparison
For the Banks - Regional subindustry, Habib Metropolitan Bank's EV-to-FCF, along with its competitors' market caps and EV-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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Habib Metropolitan Bank's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Habib Metropolitan Bank's EV-to-FCF falls into.
Habib Metropolitan Bank's current Enterprise Value is ₨95,336 Mil.
Habib Metropolitan Bank's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₨175,211 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.
Habib Metropolitan Bank (KAR:HMB) has a EV-to-FCF of 0.54 as of Jul. 04, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Habib Metropolitan Bank and its competitors. According to the industry distribution chart, Habib Metropolitan Bank ranks #232 out of 1193 companies in the Banks industry, placing it in the top 19.4%.
Is Habib Metropolitan Bank's EV-to-FCF too high?
Habib Metropolitan Bank's current EV-to-FCF is 0.54. The Banks industry median EV-to-FCF is 6.61. Habib Metropolitan Bank's value of 0.54 is 91.8% below this industry median. Based on the distribution chart, Habib Metropolitan Bank ranks #232 out of 1193 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 EV-to-FCF compare to competitors?
According to the Banks industry distribution chart, Habib Metropolitan Bank ranks #232 out of 1193 companies for EV-to-FCF. This places Habib Metropolitan Bank in the top 19% of its industry — outperforming the majority of peers. The industry median EV-to-FCF is 6.61. Habib Metropolitan Bank's value of 0.54 is 91.8% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.61, based on 1,193 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Habib Metropolitan Bank's current EV-to-FCF of 0.54 is 91.8% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Habib Metropolitan Bank and its competitors. For the Banks industry, the median EV-to-FCF is 6.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Habib Metropolitan Bank's current EV-to-FCF is 0.54. 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 ₨78.03, compared to a current price of ₨117.11 — trading 50.1% above its estimated fair value. The current EV-to-FCF is 0.54 and 91.8% below the Banks industry median of 6.61. Habib Metropolitan Bank's overall GF Score™ is 62/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Habib Metropolitan Bank (KAR:HMB), the current EV-to-FCF is 0.54 as of Jul. 04, 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 ₨117.11 is trading 50.1% above its estimated GF Value™ of ₨78.03.
GuruFocus considers Habib Metropolitan Bank to be Significantly Overvalued.
Key valuation signals for KAR:HMB:
EV-to-FCF: 0.54
GF Value™: ₨78.03 vs. price of ₨117.11 (50.1% above fair value)
Industry Position: 91.8% below the Banks median (#232 of 1193)
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 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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