Bank AL Habib (KAR:BAHL) LT-Debt-to-Total-Asset: 0.02 (As of Mar. 2026)

What is Bank AL Habib LT-Debt-to-Total-Asset?

Bank AL Habib KAR:BAHL -0.14% 61 LT-Debt-to-Total-Asset is 0.02 as of Mar. 2026. GuruFocus rates KAR:BAHL with a GF Score™ of 61/100 and a GF Value™ of ₨116.72 (Significantly Overvalued). The stock has 4 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Bank AL Habib's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.02.

Bank AL Habib's long-term debt to total assets ratio increased from Mar. 2025 (0.01) to Mar. 2026 (0.02). It may suggest that Bank AL Habib is progressively becoming more dependent on debt to grow their business.

Bank AL Habib (KAR:BAHL) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Bank AL Habib LT-Debt-to-Total-Asset Related Terms

Bank AL Habib LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Bank AL Habib's LT-Debt-to-Total-Asset 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.

Bank AL Habib LT-Debt-to-Total-Asset Chart

Bank AL Habib Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.03

0.02

0.01

0.02

Bank AL Habib Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.01	0.02	0.02	0.02	0.02

61GF Score

Bank AL Habib Ltd KAR:BAHL

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Bank AL Habib LT-Debt-to-Total-Asset Calculation

Bank AL Habib's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	62725.683	/	3309509.502
	=	0.02

Bank AL Habib's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	64307.073	/	3636810.986
	=	0.02

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.02 mean?

Bank AL Habib (KAR:BAHL) has a LT-Debt-to-Total-Asset of 0.02 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Bank AL Habib and its competitors.

Is Bank AL Habib's LT-Debt-to-Total-Asset too high?

Bank AL Habib's current LT-Debt-to-Total-Asset is 0.02. 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 LT-Debt-to-Total-Asset compare to competitors?

Bank AL Habib's LT-Debt-to-Total-Asset of 0.02 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 LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Bank AL Habib and its competitors. Bank AL Habib's current LT-Debt-to-Total-Asset is 0.02. 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 LT-Debt-to-Total-Asset is 0.02. 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 LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Bank AL Habib (KAR:BAHL), the current LT-Debt-to-Total-Asset is 0.02 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 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:

LT-Debt-to-Total-Asset: 0.02
GF Value™: ₨116.72 vs. price of ₨175.97 (50.8% above fair value)
GF Score™: 61/100 with 4 warning signs

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 Business Description

Industry Financial Services Banks

Comparable Companies KAR:BAFL KAR:ABL KAR:AKBL KAR:FABL KAR:HMB KAR:SCBPL KAR:BOP KAR:BOK KAR:BIPL KAR:JSBL SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

Address I.I. Chundrigar Road, 2nd Floor, Mackinnons Building, Karachi, SD, PAK

Website https://www.bankalhabib.com

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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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₨175.97

Price

₨116.72

GF Value

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