Habib Metropolitan Bank (KAR:HMB) Moat Score: 0/10 (As of Jul. 04, 2026)


KAR:HMB Habib Metropolitan Bank Ltd KAR:HMB
62 GF Score
Price ₨117.11
GF Value ₨78.03
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Habib Metropolitan Bank Moat Score?

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

Habib Metropolitan 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 Metropolitan Bank might have No Moat - No discernible moat.

Habib Metropolitan Bank  (KAR:HMB) 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 Metropolitan Bank Moat Score Related Terms

KAR:HMB
62GF Score
Habib Metropolitan Bank Ltd KAR:HMB
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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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:

  • Moat Score: 0
  • GF Value™: ₨78.03 vs. price of ₨117.11 (50.1% above fair value)
  • GF Score™: 62/100 with 7 warning signs

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 Business Description

Address I.I. Chundrigar Road, Ground Floor, HabibMetro Head Office, Karachi, SD, PAK, 74200
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

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

₨117.11
Price
₨78.03
GF Value