Bank AL HabibKAR:BAHL 65 FCF Margin % is 659.84% as of Mar. 2026, which is 163% above its 10-year median of 251.05. GuruFocus rates KAR:BAHL with a GF Score™ of 65/100 and a GF Value™ of ₨115.83 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,505 Banks companies, Bank AL Habib ranks better than 93.42% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Bank AL Habib's Free Cash Flow for the
three
months ended in Mar. 2026 was ₨261,039 Mil. Bank AL Habib's Revenue for the
three
months ended in Mar. 2026 was ₨39,561 Mil. Therefore, Bank AL Habib's FCF Margin % for the quarter that ended in Mar. 2026 was 659.84%.
The historical rank and industry rank for Bank AL Habib's FCF Margin % or its related term are showing as below:
KAR:BAHL'
s FCF Margin % Range Over the Past 10 Years
Min: -113.92 Med: 251.05 Max: 444.04
Current: 197.12
During the past 13 years, the highest FCF Margin % of Bank AL Habib was 444.04%. The lowest was -113.92%. And the median was 251.05%.
KAR:BAHL's FCF Margin % is ranked better than 93.42% of 1505
companies
in the Banks industry
Industry Median: 26.55
vs KAR:BAHL: 197.12
Bank AL Habib FCF Margin % Related Terms
Bank AL Habib FCF Margin % Historical Data
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The historical data trend for Bank AL Habib's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Bank AL Habib's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Bank AL Habib's FCF Margin % falls into.
* 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 FCF Margin % of 659.84% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Bank AL Habib and its competitors. This is 163% above median its historical median of 251.05. According to the industry distribution chart, Bank AL Habib ranks #99 out of 1505 companies in the Banks industry, placing it in the top 6.6%.
Is Bank AL Habib's FCF Margin % too high?
Bank AL Habib's current FCF Margin % of 659.84% is 163% above median its 10-year median of 251.05. The Banks industry median FCF Margin % is 26.55. Bank AL Habib's value of 659.84% is 2385.3% above this industry median. Based on the distribution chart, Bank AL Habib ranks #99 out of 1505 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Bank AL Habib has a GF Score™ of 65/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank AL Habib's FCF Margin % compare to competitors?
According to the Banks industry distribution chart, Bank AL Habib ranks #99 out of 1505 companies for FCF Margin %. This places Bank AL Habib in the top 7% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 26.55. Bank AL Habib's value of 659.84% is 2385.3% above this benchmark. While the company's 10-year median is 251.05 vs. the industry median of 26.55, Bank AL Habib has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.55, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank AL Habib's current FCF Margin % of 659.84% is 2385.3% above 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Bank AL Habib and its competitors. For the Banks industry, the median FCF Margin % is 26.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank AL Habib's current FCF Margin % is 659.84%, which is 163% above median its own 10-year median of 251.05. 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 Significantly Overvalued. The stock's GF Value™ is ₨115.83, compared to a current price of ₨167.95 — trading 45% above its estimated fair value. The current FCF Margin % is 659.84%, which is 163% above median its 10-year median of 251.05 and 2385.3% above the Banks industry median of 26.55. Bank AL Habib's overall GF Score™ is 65/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Bank AL Habib (KAR:BAHL), the current FCF Margin % is 659.84% 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 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 ₨167.95 is trading 45% above its estimated GF Value™ of ₨115.83.
GuruFocus considers Bank AL Habib to be Significantly Overvalued.
Key valuation signals for KAR:BAHL:
FCF Margin %: 659.84% (163% above median its 10-year median of 251.05)
GF Value™: ₨115.83 vs. price of ₨167.95 (45% above fair value)
Industry Position: 2385.3% above the Banks median (#99 of 1505)
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
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