Bank AL Habib has the GF Score of 61, which implies that the company
might have
Poor future performance potential.
The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.
GF Score takes following five key aspects into consideration:
Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.
Based on research and backtesting result, GuruFocus believes Bank AL Habib
might have
Poor future performance potential.
Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.
Bank AL Habib (KAR:BAHL) GF Score Explanation
Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:
GF Score
Performance Potential and All-in-One Screener Examples (1)
(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.
Bank AL Habib GF Score Related Terms
Bank AL Habib GF Score Competitor Comparison
For the Banks - Regional subindustry, Bank AL Habib's GF Score, along with its competitors' market caps and GF Score 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 GF Score vs Banks Industry
For the Banks industry and Financial Services sector, Bank AL Habib's GF Score distribution charts can be found below:
* The bar in red indicates where Bank AL Habib's GF Score falls into.
Bank AL Habib (KAR:BAHL) has a GF Score of 61 as of Jul. 11, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Bank AL Habib and its competitors. This is 22% below median its historical median of 78.00. Over the past decade, Bank AL Habib's GF Score has ranged from 36.00 to 91.00.
Is Bank AL Habib's GF Score too high?
Bank AL Habib's current GF Score of 61 is 22% below median its 10-year median of 78.00. Over the past 10 years, this metric has ranged from a low of 36.00 to a high of 91.00. Overall, Bank AL Habib has a GF Score™ of 61/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank AL Habib's GF Score compare to competitors?
Bank AL Habib's GF Score of 61 can be compared against companies in the Banks industry. Historically, Bank AL Habib's own GF Score has ranged from 36.00 to 91.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for a Banks company?
A good GF Score depends on the Banks industry context. However, GF Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Bank AL Habib and its competitors. Bank AL Habib's current GF Score is 61, which is 22% below median its own 10-year median of 78.00. 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 ₨116.72, compared to a current price of ₨175.97 — trading 50.8% above its estimated fair value. The current GF Score is 61, which is 22% below median its 10-year median of 78.00. Bank AL Habib's overall GF Score™ is 61/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Score calculated?
GF Score is calculated from a company's financial statements. For Bank AL Habib (KAR:BAHL), the current GF Score is 61 as of Jul. 11, 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 ₨175.97 is trading 50.8% above its estimated GF Value™ of ₨116.72.
GuruFocus considers Bank AL Habib to be Significantly Overvalued.
Key valuation signals for KAR:BAHL:
GF Score: 61 (22% below median its 10-year median of 78.00)
GF Value™: ₨116.72 vs. price of ₨175.97 (50.8% above fair value)
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.
61GF Score
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