Habib Metropolitan BankKAR:HMB -0.29%62 FCF Margin % is 204.40% as of Mar. 2026, which is 6% above its 10-year median of 192.21. GuruFocus rates KAR:HMB with a GF Score™ of 62/100 and a GF Value™ of ₨78.03 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,506 Banks companies, Habib Metropolitan Bank ranks better than 93.36% on this metric.
* 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 FCF Margin % Competitor Comparison
For the Banks - Regional subindustry, Habib Metropolitan 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 Metropolitan Bank FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Habib Metropolitan Bank's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Habib Metropolitan 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 Metropolitan Bank (KAR:HMB) has a FCF Margin % of 204.40% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Habib Metropolitan Bank and its competitors. This is near median its historical median of 192.21. According to the industry distribution chart, Habib Metropolitan Bank ranks #100 out of 1506 companies in the Banks industry, placing it in the top 6.6%.
Is Habib Metropolitan Bank's FCF Margin % too high?
Habib Metropolitan Bank's current FCF Margin % of 204.40% is near median its 10-year median of 192.21. The Banks industry median FCF Margin % is 26.36. Habib Metropolitan Bank's value of 204.40% is 675.6% above this industry median. Based on the distribution chart, Habib Metropolitan Bank ranks #100 out of 1506 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 FCF Margin % compare to competitors?
According to the Banks industry distribution chart, Habib Metropolitan Bank ranks #100 out of 1506 companies for FCF Margin %. This places Habib Metropolitan Bank in the top 7% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 26.36. Habib Metropolitan Bank's value of 204.40% is 675.6% above this benchmark. While the company's 10-year median is 192.21 vs. the industry median of 26.36, Habib Metropolitan 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 26.36, based on 1,506 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 Metropolitan Bank's current FCF Margin % of 204.40% is 675.6% 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 Metropolitan Bank and its competitors. For the Banks industry, the median FCF Margin % is 26.36 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Habib Metropolitan Bank's current FCF Margin % is 204.40%, which is near median its own 10-year median of 192.21. 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 FCF Margin % is 204.40%, which is near median its 10-year median of 192.21 and 675.6% above the Banks industry median of 26.36. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Habib Metropolitan Bank (KAR:HMB), the current FCF Margin % is 204.40% 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 ₨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:
FCF Margin %: 204.40% (near median its 10-year median of 192.21)
GF Value™: ₨78.03 vs. price of ₨117.11 (50.1% above fair value)
Industry Position: 675.6% above the Banks median (#100 of 1506)
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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