Habib BankKAR:HBL +0.70%58 FCF Yield % is 416.93 as of Jul. 01, 2026, which is 247% above its 10-year median of 120.16. GuruFocus rates KAR:HBL with a GF Score™ of 58/100 and a GF Value™ of ₨172.21 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 1,505 Banks companies, Habib Bank ranks better than 99.2% on this metric.
FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Habib Bank FCF Yield % Related Terms
Habib Bank FCF Yield % Historical Data
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The historical data trend for Habib Bank's FCF Yield % 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 Yield %, along with its competitors' market caps and FCF Yield % 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 Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Habib Bank's FCF Yield % distribution charts can be found below:
* The bar in red indicates where Habib Bank's FCF Yield % 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 Yield % of 416.93 as of Jul. 01, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Habib Bank and its competitors. This is 247% above median its historical median of 120.16. According to the industry distribution chart, Habib Bank ranks #12 out of 1505 companies in the Banks industry, placing it in the top 0.8%.
Is Habib Bank's FCF Yield % too high?
Habib Bank's current FCF Yield % of 416.93 is 247% above median its 10-year median of 120.16. The Banks industry median FCF Yield % is 8.23. Habib Bank's value of 416.93 is 4966% above this industry median. Based on the distribution chart, Habib Bank ranks #12 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 58/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Habib Bank's FCF Yield % compare to competitors?
According to the Banks industry distribution chart, Habib Bank ranks #12 out of 1505 companies for FCF Yield %. This places Habib Bank in the top 1% of its industry — outperforming the majority of peers. The industry median FCF Yield % is 8.23. Habib Bank's value of 416.93 is 4966% above this benchmark. While the company's 10-year median is 120.16 vs. the industry median of 8.23, 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 Yield % for a Banks company?
The median FCF Yield % among Banks companies is 8.23, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Habib Bank's current FCF Yield % of 416.93 is 4966% 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 Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Habib Bank and its competitors. For the Banks industry, the median FCF Yield % is 8.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Habib Bank's current FCF Yield % is 416.93, which is 247% above median its own 10-year median of 120.16. 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 ₨172.21, compared to a current price of ₨292.21 — trading 69.7% above its estimated fair value. The current FCF Yield % is 416.93, which is 247% above median its 10-year median of 120.16 and 4966% above the Banks industry median of 8.23. Habib Bank's overall GF Score™ is 58/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Habib Bank (KAR:HBL), the current FCF Yield % is 416.93 as of Jul. 01, 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 ₨292.21 is trading 69.7% above its estimated GF Value™ of ₨172.21.
GuruFocus considers Habib Bank to be Significantly Overvalued.
Key valuation signals for KAR:HBL:
FCF Yield %: 416.93 (247% above median its 10-year median of 120.16)
GF Value™: ₨172.21 vs. price of ₨292.21 (69.7% above fair value)
Industry Position: 4966% above the Banks median (#12 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.
58GF Score
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