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Bank AL HabibKAR:BAHL +0.13%62 PB Ratio is 1.18 as of Jul. 21, 2026, which is 16% above its 10-year median of 1.02. GuruFocus rates KAR:BAHL with a GF Score™ of 62/100 and a GF Value™ of ₨117.26 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,514 Banks companies, Bank AL Habib ranks worse than 54.95% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-07-21), Bank AL Habib's share price is ₨171.19. Bank AL Habib's Book Value per Share for the quarter that ended in Mar. 2026 was ₨145.14. Hence, Bank AL Habib's PB Ratio of today is 1.18.
The historical rank and industry rank for Bank AL Habib's PB Ratio or its related term are showing as below:
KAR:BAHL'
s PB Ratio Range Over the Past 10 Years
Min: 0.44 Med: 1.02 Max: 2.13
Current: 1.18
During the past 13 years, Bank AL Habib's highest PB Ratio was 2.13. The lowest was 0.44. And the median was 1.02.
KAR:BAHL's PB Ratio is ranked worse than 54.95% of 1514
companies
in the Banks industry
Industry Median: 1.11
vs KAR:BAHL: 1.18
During the past 12 months, Bank AL Habib's average Book Value Per Share Growth Rate was 2.90% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 22.60% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 18.00% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 17.40% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Bank AL Habib was 23.00% per year. The lowest was 9.40% per year. And the median was 16.70% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Bank AL Habib PB Ratio Related Terms
Bank AL Habib PB Ratio Historical Data
* Premium members only.
The historical data trend for Bank AL Habib's PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Bank AL Habib's PB Ratio distribution charts can be found below:
* The bar in red indicates where Bank AL Habib's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
Bank AL Habib's PB Ratio for today is calculated as follows:
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Bank AL Habib (KAR:BAHL) has a PB Ratio of 1.18 as of Jul. 21, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Bank AL Habib and its competitors. This is 16% above median its historical median of 1.02. Over the past decade, Bank AL Habib's PB Ratio has ranged from 0.44 to 2.13. According to the industry distribution chart, Bank AL Habib ranks #832 out of 1514 companies in the Banks industry, placing it in the top 55%.
Is Bank AL Habib's PB Ratio too high?
Bank AL Habib's current PB Ratio of 1.18 is 16% above median its 10-year median of 1.02. Over the past 10 years, this metric has ranged from a low of 0.44 to a high of 2.13. The Banks industry median PB Ratio is 1.11. Bank AL Habib's value of 1.18 is 6.3% above this industry median. Based on the distribution chart, Bank AL Habib ranks #832 out of 1514 companies in the Banks industry, which is below the industry midpoint. Overall, Bank AL Habib has a GF Score™ of 62/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank AL Habib's PB Ratio compare to competitors?
According to the Banks industry distribution chart, Bank AL Habib ranks #832 out of 1514 companies for PB Ratio. This places Bank AL Habib in the lower half of its industry. The industry median PB Ratio is 1.11. Bank AL Habib's value of 1.18 is 6.3% above this benchmark. Historically, Bank AL Habib's own PB Ratio has ranged from 0.44 to 2.13 over the past decade. While the company's 10-year median is 1.02 vs. the industry median of 1.11, Bank AL Habib has consistently been above 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.11, based on 1,514 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank AL Habib's current PB Ratio of 1.18 is 6.3% above 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Bank AL Habib and its competitors. For the Banks industry, the median PB Ratio is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank AL Habib's current PB Ratio is 1.18, which is 16% above median its own 10-year median of 1.02. 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 ₨117.26, compared to a current price of ₨171.19 — trading 46% above its estimated fair value. The current PB Ratio is 1.18, which is 16% above median its 10-year median of 1.02 and 6.3% above the Banks industry median of 1.11. Bank AL Habib's overall GF Score™ is 62/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Bank AL Habib (KAR:BAHL), the current PB Ratio is 1.18 as of Jul. 21, 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 ₨171.19 is trading 46% above its estimated GF Value™ of ₨117.26.
GuruFocus considers Bank AL Habib to be Significantly Overvalued.
Key valuation signals for KAR:BAHL:
PB Ratio: 1.18 (16% above median its 10-year median of 1.02)
GF Value™: ₨117.26 vs. price of ₨171.19 (46% above fair value)
Industry Position: 6.3% above the Banks median (#832 of 1514)
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.
62GF Score
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