Habib BankKAR:HBL 61 FCF Margin % is 511.07% as of Mar. 2026, which is 478% above its 10-year median of 88.49. GuruFocus rates KAR:HBL with a GF Score™ of 61/100 and a GF Value™ of ₨171.78 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 1,505 Banks companies, Habib Bank ranks better than 98.74% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Habib Bank's Free Cash Flow for the
three
months ended in Mar. 2026 was ₨461,065 Mil. Habib Bank's Revenue for the
three
months ended in Mar. 2026 was ₨90,216 Mil. Therefore, Habib Bank's FCF Margin % for the quarter that ended in Mar. 2026 was 511.07%.
The historical rank and industry rank for Habib Bank's FCF Margin % or its related term are showing as below:
KAR:HBL'
s FCF Margin % Range Over the Past 10 Years
Min: -179.98 Med: 88.49 Max: 522.61
Current: 522.61
During the past 13 years, the highest FCF Margin % of Habib Bank was 522.61%. The lowest was -179.98%. And the median was 88.49%.
KAR:HBL's FCF Margin % is ranked better than 98.74% of 1505
companies
in the Banks industry
Industry Median: 26.55
vs KAR:HBL: 522.61
Habib Bank FCF Margin % Related Terms
Habib Bank FCF Margin % Historical Data
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The historical data trend for Habib Bank'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, Habib Bank'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.
Habib Bank FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Habib Bank's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Habib Bank'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.
Habib Bank (KAR:HBL) has a FCF Margin % of 511.07% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Habib Bank and its competitors. This is 478% above median its historical median of 88.49. According to the industry distribution chart, Habib Bank ranks #19 out of 1505 companies in the Banks industry, placing it in the top 1.3%.
Is Habib Bank's FCF Margin % too high?
Habib Bank's current FCF Margin % of 511.07% is 478% above median its 10-year median of 88.49. The Banks industry median FCF Margin % is 26.55. Habib Bank's value of 511.07% is 1824.9% above this industry median. Based on the distribution chart, Habib Bank ranks #19 out of 1505 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Habib 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 Bank's FCF Margin % compare to competitors?
According to the Banks industry distribution chart, Habib Bank ranks #19 out of 1505 companies for FCF Margin %. This places Habib Bank in the top 1% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 26.55. Habib Bank's value of 511.07% is 1824.9% above this benchmark. While the company's 10-year median is 88.49 vs. the industry median of 26.55, Habib Bank 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. Habib Bank's current FCF Margin % of 511.07% is 1824.9% 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 Habib Bank 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. Habib Bank's current FCF Margin % is 511.07%, which is 478% above median its own 10-year median of 88.49. 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 ₨171.78, compared to a current price of ₨294.10 — trading 71.2% above its estimated fair value. The current FCF Margin % is 511.07%, which is 478% above median its 10-year median of 88.49 and 1824.9% above the Banks industry median of 26.55. Habib Bank's overall GF Score™ is 61/100 with 2 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 Habib Bank (KAR:HBL), the current FCF Margin % is 511.07% 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 Bank (KAR:HBL) Overvalued in 2026?
Based on GuruFocus' analysis, Habib Bank stock appears to be overvalued.
The current stock price of ₨294.10 is trading 71.2% above its estimated GF Value™ of ₨171.78.
GuruFocus considers Habib Bank to be Significantly Overvalued.
Key valuation signals for KAR:HBL:
FCF Margin %: 511.07% (478% above median its 10-year median of 88.49)
GF Value™: ₨171.78 vs. price of ₨294.10 (71.2% above fair value)
Industry Position: 1824.9% above the Banks median (#19 of 1505)
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 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.
61GF Score
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