Habib Bank (KAR:HBL) GF Score: 59/100 (As of Jul. 14, 2026) — 17% Below Median

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Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

KAR:HBL Habib Bank Ltd KAR:HBL
59 GF Score
Price ₨310.93
GF Value ₨173.32
Valuation Significantly Overvalued
! 3 Warning Signs
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What is Habib Bank GF Score?

Habib Bank KAR:HBL -0.91% 59 GF Score is 59 as of Jul. 14, 2026, which is 17% below its 10-year median of 71.00. GuruFocus rates KAR:HBL with a GF Score™ of 59/100 and a GF Value™ of ₨173.32 (Significantly Overvalued). The stock has 3 warning signs investors should review.

Habib Bank has the GF Score of 59, 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:

1. Financial Strength : 1/10
2. Profitability Rank : 6/10
3. Growth Rank : 4/10
4. GF Value Rank : 5/10
5. Momentum Rank : 0/10

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 Habib Bank might have Poor future performance potential.

Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.

Habib Bank  (KAR:HBL) 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)
91 - 100Highest outperformance potential
81 - 90Good outperformance potential
71 - 80Likely to have average performance
51 - 70Poor future performance potential
0 - 50Worst future performance potential, or not enough data

(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.

Habib Bank GF Score Related Terms

Habib Bank GF Score Competitor Comparison

For the Banks - Regional subindustry, Habib Bank'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.

Habib Bank GF Score vs Banks Industry

For the Banks industry and Financial Services sector, Habib Bank's GF Score distribution charts can be found below:

* The bar in red indicates where Habib Bank's GF Score falls into.


KAR:HBL
59GF Score
Habib Bank Ltd KAR:HBL
GF Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about GF Score →
What does a GF Score of 59 mean?
Habib Bank (KAR:HBL) has a GF Score of 59 as of Jul. 14, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Habib Bank and its competitors. This is 17% below median its historical median of 71.00. Over the past decade, Habib Bank's GF Score has ranged from 38.00 to 94.00.
Is Habib Bank's GF Score too high?
Habib Bank's current GF Score of 59 is 17% below median its 10-year median of 71.00. Over the past 10 years, this metric has ranged from a low of 38.00 to a high of 94.00. Overall, Habib Bank has a GF Score™ of 59/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Habib Bank's GF Score compare to competitors?
Habib Bank's GF Score of 59 can be compared against companies in the Banks industry. Historically, Habib Bank's own GF Score has ranged from 38.00 to 94.00 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 Habib Bank and its competitors. Habib Bank's current GF Score is 59, which is 17% below median its own 10-year median of 71.00. 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 ₨173.32, compared to a current price of ₨310.93 — trading 79.4% above its estimated fair value. The current GF Score is 59, which is 17% below median its 10-year median of 71.00. Habib Bank's overall GF Score™ is 59/100 with 3 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 Habib Bank (KAR:HBL), the current GF Score is 59 as of Jul. 14, 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 ₨310.93 is trading 79.4% above its estimated GF Value™ of ₨173.32. GuruFocus considers Habib Bank to be Significantly Overvalued.

Key valuation signals for KAR:HBL:

  • GF Score: 59 (17% below median its 10-year median of 71.00)
  • GF Value™: ₨173.32 vs. price of ₨310.93 (79.4% above fair value)
  • GF Score™: 59/100 with 3 warning signs

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 Business Description

Address HBL Tower, Plot No. G-4, KDA Scheme 5, Block 7 Clifton, Karachi, PAK, 75650
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.
59GF Score

Get the complete analysis for KAR:HBL

GF Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₨310.93
Price
₨173.32
GF Value