Habib Metropolitan BankKAR:HMB -0.29%62 Net Margin % is 23.39% as of Mar. 2026, which is 17% below its 10-year median of 28.15. 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 1,528 Banks companies, Habib Metropolitan Bank ranks worse than 59.36% on this metric.
The historical rank and industry rank for Habib Metropolitan Bank's Net Margin % or its related term are showing as below:
KAR:HMB'
s Net Margin % Range Over the Past 10 Years
Min: 24.01 Med: 28.15 Max: 33.29
Current: 24.01
KAR:HMB's Net Margin % is ranked worse than 59.36% of 1528
companies
in the Banks industry
Industry Median: 26.845
vs KAR:HMB: 24.01
Habib Metropolitan Bank (KAR:HMB) 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.
Habib Metropolitan Bank Net Margin % Related Terms
Habib Metropolitan Bank Net Margin % 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 Net Margin % Competitor Comparison
For the Banks - Regional subindustry, Habib Metropolitan Bank'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.
Habib Metropolitan Bank Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Habib Metropolitan Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where Habib Metropolitan Bank'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.
Habib Metropolitan Bank (KAR:HMB) has a Net Margin % of 23.39% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Habib Metropolitan Bank and its competitors. This is 17% below median its historical median of 28.15. Over the past decade, Habib Metropolitan Bank's Net Margin % has ranged from 24.01 to 33.29. According to the industry distribution chart, Habib Metropolitan Bank ranks #907 out of 1528 companies in the Banks industry, placing it in the top 59.4%.
Is Habib Metropolitan Bank's Net Margin % too high?
Habib Metropolitan Bank's current Net Margin % of 23.39% is 17% below median its 10-year median of 28.15. Over the past 10 years, this metric has ranged from a low of 24.01 to a high of 33.29. The Banks industry median Net Margin % is 26.85. Habib Metropolitan Bank's value of 23.39% is 12.9% below this industry median. Based on the distribution chart, Habib Metropolitan Bank ranks #907 out of 1528 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 Net Margin % compare to competitors?
According to the Banks industry distribution chart, Habib Metropolitan Bank ranks #907 out of 1528 companies for Net Margin %. This places Habib Metropolitan Bank in the lower half of its industry. The industry median Net Margin % is 26.85. Habib Metropolitan Bank's value of 23.39% is 12.9% below this benchmark. Historically, Habib Metropolitan Bank's own Net Margin % has ranged from 24.01 to 33.29 over the past decade. While the company's 10-year median is 28.15 vs. the industry median of 26.85, Habib Metropolitan Bank 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 26.85, based on 1,528 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. Habib Metropolitan Bank's current Net Margin % of 23.39% is 12.9% 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 Habib Metropolitan Bank and its competitors. For the Banks industry, the median Net Margin % is 26.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Habib Metropolitan Bank's current Net Margin % is 23.39%, which is 17% below median its own 10-year median of 28.15. 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 Net Margin % is 23.39%, which is 17% below median its 10-year median of 28.15 and 12.9% below the Banks industry median of 26.85. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Habib Metropolitan Bank (KAR:HMB), the current Net Margin % is 23.39% 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 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:
Net Margin %: 23.39% (17% below median its 10-year median of 28.15)
GF Value™: ₨78.03 vs. price of ₨117.11 (50.1% above fair value)
Industry Position: 12.9% below the Banks median (#907 of 1528)
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
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