Habib Metropolitan BankKAR:HMB -0.29%62 Median PS Value is ₨104.28 as of Jul. 04, 2026, which is 100% below its 10-year median of 0.59. GuruFocus rates KAR:HMB with a GF Score™ of 62/100 and a GF Value™ of ₨78.03 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,042 Banks companies, Habib Metropolitan Bank ranks worse than 52.21% on this metric.
This valuation method assumes that the stock valuation will revert to its historical (10-Year) median in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
The historical rank and industry rank for Habib Metropolitan Bank's Median PS Value or its related term are showing as below:
KAR:HMB'
s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.29 Med: 0.59 Max: 1.14
Current: 1.12
During the past 13 years, the highest Price to Median PS Value of Habib Metropolitan Bank was 1.14. The lowest was 0.29. And the median was 0.59.
KAR:HMB's Price-to-Median-PS-Value is ranked worse than 52.21% of 1042
companies
in the Banks industry
Industry Median: 1.11
vs KAR:HMB: 1.12
Habib Metropolitan Bank (KAR:HMB) Median PS Value Explanation
This valuation method assumes that the stock valuation will revert to its historical (10-Year) mean in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio
is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
It also assumes that over time the profit margin is constant. If a company increases its profit margin to a sustainable level, this value might under-estimate its value. If it has permanent declined profit margins, this may over-estimate the company's value.
Habib Metropolitan Bank's Price to Median PS Value for today is calculated as
Price to Median PS Value
=
Share Price
/
Median PS Value
=
117.11
/
104.28
=
1.12
* 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 Metropolitan Bank Median PS Value Related Terms
Habib Metropolitan Bank Median PS Value Historical Data
* 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 Metropolitan Bank Median PS Value Competitor Comparison
For the Banks - Regional subindustry, Habib Metropolitan Bank's Price-to-Median-PS-Value, along with its competitors' market caps and Price-to-Median-PS-Value 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 Metropolitan Bank Price-to-Median-PS-Value vs Banks Industry
For the Banks industry and Financial Services sector, Habib Metropolitan Bank's Price-to-Median-PS-Value distribution charts can be found below:
* The bar in red indicates where Habib Metropolitan Bank's Price-to-Median-PS-Value falls into.
10-Year Median PS Ratio is 1.2201.
Habib Metropolitan Bank's Revenue per Share 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 ₨85.466.
* 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 Metropolitan Bank (KAR:HMB) has a Median PS Value of ₨104.28 as of Jul. 04, 2026. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Habib Metropolitan Bank and its competitors. This is 17575% above median its historical median of 0.59. Over the past decade, Habib Metropolitan Bank's Median PS Value has ranged from 0.29 to 1.14. According to the industry distribution chart, Habib Metropolitan Bank ranks #544 out of 1042 companies in the Banks industry, placing it in the top 52.2%.
Is Habib Metropolitan Bank's Median PS Value too high?
Habib Metropolitan Bank's current Median PS Value of ₨104.28 is 17575% above median its 10-year median of 0.59. Over the past 10 years, this metric has ranged from a low of 0.29 to a high of 1.14. Based on the distribution chart, Habib Metropolitan Bank ranks #544 out of 1042 companies in the Banks industry, which is below the industry midpoint. Overall, Habib Metropolitan Bank has a GF Score™ of 62/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Habib Metropolitan Bank's Median PS Value compare to competitors?
According to the Banks industry distribution chart, Habib Metropolitan Bank ranks #544 out of 1042 companies for Median PS Value. This places Habib Metropolitan Bank in the lower half of its industry. The industry median Median PS Value is 1.11. Historically, Habib Metropolitan Bank's own Median PS Value has ranged from 0.29 to 1.14 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 Median PS Value for a Banks company?
The median Median PS Value among Banks companies is 1.11, based on 1,042 companies in the industry. Companies in the top quartile (top 25%) have a Median PS Value significantly above this median, while those in the bottom quartile fall well below. However, Median PS Value 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 Median PS Value mean?
A high Median PS Value can signal that a stock is expensive relative to its fundamentals. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Habib Metropolitan Bank and its competitors. For the Banks industry, the median Median PS Value is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Habib Metropolitan Bank's current Median PS Value is ₨104.28, which is 17575% above median its own 10-year median of 0.59. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Habib Metropolitan Bank stock overvalued right now?
Based on GuruFocus' analysis, Habib Metropolitan Bank (KAR:HMB) is currently considered Significantly Overvalued. The stock's GF Value™ is ₨78.03, compared to a current price of ₨117.11 — trading 50.1% above its estimated fair value. The current Median PS Value is ₨104.28, which is 17575% above median its 10-year median of 0.59. Habib Metropolitan Bank's overall GF Score™ is 62/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Median PS Value calculated?
Median PS Value is calculated from a company's financial statements. For Habib Metropolitan Bank (KAR:HMB), the current Median PS Value is ₨104.28 as of Jul. 04, 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 Metropolitan Bank (KAR:HMB) Overvalued in 2026?
Based on GuruFocus' analysis, Habib Metropolitan Bank stock appears to be overvalued.
The current stock price of ₨117.11 is trading 50.1% above its estimated GF Value™ of ₨78.03.
GuruFocus considers Habib Metropolitan Bank to be Significantly Overvalued.
Key valuation signals for KAR:HMB:
Median PS Value: ₨104.28 (17575% above median its 10-year median of 0.59)
GF Value™: ₨78.03 vs. price of ₨117.11 (50.1% above fair value)
No single metric tells the full story. See the KAR:HMB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Habib Metropolitan Bank Ltd is a provider of commercial banking products and services to individual and corporate customers. The bank utilizes the medium of branch banking and electronic banking channels to render a hoard of products and services such as current and savings accounts, deposits, remittance, cash management services, E-salary accounts and web banking. Its operating segment includes Trade and Sales; Retail Banking and Commercial Banking, and Islamic Banking. The Bank conducts its operations in Pakistan including an offshore branch in Karachi Export Processing Zone.
62GF Score
Get the complete analysis for KAR:HMB
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