Habib Bank (KAR:HBL) Moat Score: 0/10 (As of Jul. 11, 2026)


KAR:HBL Habib Bank Ltd KAR:HBL
55 GF Score
Price ₨313.78
GF Value ₨173.06
Valuation Significantly Overvalued
! 3 Warning Signs
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What is Habib Bank Moat Score?

Habib Bank has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

Habib Bank has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Habib Bank might have No Moat - No discernible moat.

Habib Bank  (KAR:HBL) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Habib Bank Moat Score Related Terms

KAR:HBL
55GF Score
Habib Bank Ltd KAR:HBL
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Habib Bank (KAR:HBL) Overvalued in 2026?

Based on GuruFocus' analysis, Habib Bank stock appears to be overvalued. The current stock price of ₨313.78 is trading 81.3% above its estimated GF Value™ of ₨173.06. GuruFocus considers Habib Bank to be Significantly Overvalued.

Key valuation signals for KAR:HBL:

  • Moat Score: 0
  • GF Value™: ₨173.06 vs. price of ₨313.78 (81.3% 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

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

₨313.78
Price
₨173.06
GF Value