Habib Bank (KAR:HBL) Interest Expense: ₨-430,682 Mil (TTM As of Mar. 2026)

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Director of Data and Quant Analytics at GuruFocus
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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
55 GF Score
Price ₨304.39
GF Value ₨173.58
Valuation Significantly Overvalued
! 3 Warning Signs
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What is Habib Bank Interest Expense?

Habib Bank KAR:HBL +0.35% 55 Interest Expense is ₨-430,682 Mil as of Mar. 2026. GuruFocus rates KAR:HBL with a GF Score™ of 55/100 and a GF Value™ of ₨173.58 (Significantly Overvalued). The stock has 3 warning signs investors should review.

Interest Expense is the amount reported by a company or individual as an expense for borrowed money. Habib Bank's interest expense for the three months ended in Mar. 2026 was ₨ -112,862 Mil. Its interest expense for the trailing twelve months (TTM) ended in Mar. 2026 was ₨-430,682 Mil.

Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income(EBIT) by its Interest Expense. Habib Bank's Operating Income for the three months ended in Mar. 2026 was ₨ Mil. Habib Bank's Interest Expense for the three months ended in Mar. 2026 was ₨ Mil. The higher the ratio, the stronger the company's financial strength is. Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Habib Bank Interest Expense Historical Data

* Premium members only.

The historical data trend for Habib Bank's Interest Expense 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.

Habib Bank Interest Expense Chart

Habib Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Interest Expense
Get a 7-Day Free Trial Premium Member Only Premium Member Only -130,834.91 -270,538.34 -470,212.04 -567,569.85 -405,763.84

Habib Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Interest Expense Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -87,944.42 -97,964.35 -110,167.16 -109,687.91 -112,862.24
KAR:HBL
55GF Score
Habib Bank Ltd KAR:HBL
Interest Expense is just one metric. See GF Score™, valuation, warning signs, and more.
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Habib Bank Interest Expense Calculation

Interest Expense is the amount reported by a company or individual as an expense for borrowed money.

Interest Expense for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₨-430,682 Mil.

* 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.

Frequently Asked Questions Learn more about Interest Expense →
What does a Interest Expense of ₨-430,682 Mil mean?
Habib Bank (KAR:HBL) has a Interest Expense of ₨-430,682 Mil as of Mar. 2026. Interest Expense is the amount a company pays on its long-term debt. View historical data on Habib Bank and its competitors.
Is Habib Bank's Interest Expense too high?
Habib Bank's current Interest Expense is ₨-430,682 Mil. Overall, Habib Bank has a GF Score™ of 55/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Habib Bank's Interest Expense compare to competitors?
Habib Bank's Interest Expense of ₨-430,682 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Interest Expense for a Banks company?
A good Interest Expense depends on the Banks industry context. However, Interest Expense 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 Interest Expense mean?
A high Interest Expense can signal that a stock is expensive relative to its fundamentals. Interest Expense is the amount a company pays on its long-term debt. View historical data on Habib Bank and its competitors. Habib Bank's current Interest Expense is ₨-430,682 Mil. 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 ₨173.58, compared to a current price of ₨304.39 — trading 75.4% above its estimated fair value. The current Interest Expense is ₨-430,682 Mil. Habib Bank's overall GF Score™ is 55/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Interest Expense calculated?
Interest Expense is calculated from a company's financial statements. For Habib Bank (KAR:HBL), the current Interest Expense is ₨-430,682 Mil 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 ₨304.39 is trading 75.4% above its estimated GF Value™ of ₨173.58. GuruFocus considers Habib Bank to be Significantly Overvalued.

Key valuation signals for KAR:HBL:

  • Interest Expense: ₨-430,682 Mil
  • GF Value™: ₨173.58 vs. price of ₨304.39 (75.4% above fair value)
  • GF Score™: 55/100 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.
55GF Score

Get the complete analysis for KAR:HBL

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

₨304.39
Price
₨173.58
GF Value