Bank AL HabibKAR:BAHL 65 Net Margin % is 18.37% as of Mar. 2026, which is 23% below its 10-year median of 23.77. GuruFocus rates KAR:BAHL with a GF Score™ of 65/100 and a GF Value™ of ₨115.83 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,527 Banks companies, Bank AL Habib ranks worse than 74.2% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Bank AL Habib's Net Income for the
three
months ended in Mar. 2026 was ₨7,267 Mil. Bank AL Habib's Revenue for the
three
months ended in Mar. 2026 was ₨39,561 Mil. Therefore, Bank AL Habib's net margin for the quarter that ended in Mar. 2026 was 18.37%.
The historical rank and industry rank for Bank AL Habib's Net Margin % or its related term are showing as below:
KAR:BAHL'
s Net Margin % Range Over the Past 10 Years
Min: 18.35 Med: 23.77 Max: 27.42
Current: 18.35
KAR:BAHL's Net Margin % is ranked worse than 74.2% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs KAR:BAHL: 18.35
Bank AL Habib (KAR:BAHL) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Bank AL Habib Net Margin % Related Terms
Bank AL Habib Net Margin % Historical Data
* Premium members only.
The historical data trend for Bank AL Habib's Net Margin % 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.
For the Banks - Regional subindustry, Bank AL Habib's Net Margin %, along with its competitors' market caps and Net Margin % 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.
Bank AL Habib Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Bank AL Habib's Net Margin % distribution charts can be found below:
* The bar in red indicates where Bank AL Habib's Net Margin % falls into.
* 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 (KAR:BAHL) has a Net Margin % of 18.37% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Bank AL Habib and its competitors. This is 23% below median its historical median of 23.77. Over the past decade, Bank AL Habib's Net Margin % has ranged from 18.35 to 27.42. According to the industry distribution chart, Bank AL Habib ranks #1133 out of 1527 companies in the Banks industry, placing it in the top 74.2%.
Is Bank AL Habib's Net Margin % too high?
Bank AL Habib's current Net Margin % of 18.37% is 23% below median its 10-year median of 23.77. Over the past 10 years, this metric has ranged from a low of 18.35 to a high of 27.42. The Banks industry median Net Margin % is 26.95. Bank AL Habib's value of 18.37% is 31.8% below this industry median. Based on the distribution chart, Bank AL Habib ranks #1133 out of 1527 companies in the Banks industry, which is below the industry midpoint. Overall, Bank AL Habib has a GF Score™ of 65/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank AL Habib's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Bank AL Habib ranks #1133 out of 1527 companies for Net Margin %. This places Bank AL Habib in the lower half of its industry. The industry median Net Margin % is 26.95. Bank AL Habib's value of 18.37% is 31.8% below this benchmark. Historically, Bank AL Habib's own Net Margin % has ranged from 18.35 to 27.42 over the past decade. While the company's 10-year median is 23.77 vs. the industry median of 26.95, Bank AL Habib has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank AL Habib's current Net Margin % of 18.37% is 31.8% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Bank AL Habib and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank AL Habib's current Net Margin % is 18.37%, which is 23% below median its own 10-year median of 23.77. 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 ₨115.83, compared to a current price of ₨167.95 — trading 45% above its estimated fair value. The current Net Margin % is 18.37%, which is 23% below median its 10-year median of 23.77 and 31.8% below the Banks industry median of 26.95. Bank AL Habib's overall GF Score™ is 65/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Bank AL Habib (KAR:BAHL), the current Net Margin % is 18.37% 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 ₨167.95 is trading 45% above its estimated GF Value™ of ₨115.83.
GuruFocus considers Bank AL Habib to be Significantly Overvalued.
Key valuation signals for KAR:BAHL:
Net Margin %: 18.37% (23% below median its 10-year median of 23.77)
GF Value™: ₨115.83 vs. price of ₨167.95 (45% above fair value)
Industry Position: 31.8% below the Banks median (#1133 of 1527)
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 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.
65GF Score
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