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3-1 Month Momentum % is the total return of the stock from 3-month ago to 1-month ago. As of today (2026-09-21), Habib Bank's 3-1 Month Momentum % is 7.56%.
The industry rank for Habib Bank's 3-1 Month Momentum % or its related term are showing as below:
KAR:HBL's 3-1 Month Momentum % is ranked better than 64.94% of 1563
companies
in the Banks industry
Industry Median: 3.9
vs KAR:HBL: 7.56
Habib Bank (KAR:HBL) 3-1 Month Momentum % Explanation
Momentum investing is a trading strategy in which investors buy securities that are rising and sell before the prices start to go back down. The 3-1 Month Momentum % measures the total return to a stock over the past three months, but ignores the previous month.
The reason why the most recent month’s return dropped related to the short-term reversal effect associated with momentum. There is an academic finding that short-term momentum actually has a reversal effect, whereby the previous winners (measured over the past months) do poorly the next month, while the previous losers do well the next month. In order to eliminate the short-term reversal effect, the previous month return was not included in this calculation.
Habib Bank 3-1 Month Momentum % Related Terms
Habib Bank 3-1 Month Momentum % Competitor Comparison
For the Banks - Regional subindustry, Habib Bank's 3-1 Month Momentum %, along with its competitors' market caps and 3-1 Month Momentum % 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 Bank 3-1 Month Momentum % vs Banks Industry
For the Banks industry and Financial Services sector, Habib Bank's 3-1 Month Momentum % distribution charts can be found below:
* The bar in red indicates where Habib Bank's 3-1 Month Momentum % falls into.
Habib Bank (KAR:HBL) 3-1 Month Momentum % Calculation
3-1 Month Momentum % is calculated as following:
3-1 Month Momentum %
=
( Price 1-month ago
/
Price 3-month ago
- 1 )
*
100 %
* 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 Bank (KAR:HBL) has a 3-1 Month Momentum % of 7.56% as of Sep. 21, 2026. 3-1 Month Momentum measures the total return of the stock from 3-month ago to 1-month ago. View historical data on Habib Bank and its competitors. According to the industry distribution chart, Habib Bank ranks #548 out of 1563 companies in the Banks industry, placing it in the top 35.1%.
Is Habib Bank's 3-1 Month Momentum % too high?
Habib Bank's current 3-1 Month Momentum % is 7.56%. The Banks industry median 3-1 Month Momentum % is 3.90. Habib Bank's value of 7.56% is 93.8% above this industry median. Based on the distribution chart, Habib Bank ranks #548 out of 1563 companies in the Banks industry, which is above the industry midpoint. Overall, Habib Bank has a GF Score™ of 53/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Habib Bank's 3-1 Month Momentum % compare to competitors?
According to the Banks industry distribution chart, Habib Bank ranks #548 out of 1563 companies for 3-1 Month Momentum %. This puts Habib Bank in the upper half of its industry. The industry median 3-1 Month Momentum % is 3.90. Habib Bank's value of 7.56% is 93.8% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-1 Month Momentum % for a Banks company?
The median 3-1 Month Momentum % among Banks companies is 3.90, based on 1,563 companies in the industry. Companies in the top quartile (top 25%) have a 3-1 Month Momentum % significantly above this median, while those in the bottom quartile fall well below. However, 3-1 Month Momentum % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Habib Bank's current 3-1 Month Momentum % of 7.56% is 93.8% 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 3-1 Month Momentum % mean?
A high 3-1 Month Momentum % can signal that a stock is expensive relative to its fundamentals. 3-1 Month Momentum measures the total return of the stock from 3-month ago to 1-month ago. View historical data on Habib Bank and its competitors. For the Banks industry, the median 3-1 Month Momentum % is 3.90 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Habib Bank's current 3-1 Month Momentum % is 7.56%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Habib Bank stock overvalued right now?
Based on GuruFocus' analysis, Habib Bank (KAR:HBL) is currently considered Significantly Overvalued. The stock's GF Value™ is ₨181.47, compared to a current price of ₨303.04 — trading 67% above its estimated fair value. The current 3-1 Month Momentum % is 7.56% and 93.8% above the Banks industry median of 3.90. Habib Bank's overall GF Score™ is 53/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-1 Month Momentum % calculated?
3-1 Month Momentum % is calculated from a company's financial statements. For Habib Bank (KAR:HBL), the current 3-1 Month Momentum % is 7.56% as of Sep. 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 Habib Bank (KAR:HBL) Overvalued in 2026?
Based on GuruFocus' analysis, Habib Bank stock appears to be overvalued.
The current stock price of ₨303.04 is trading 67% above its estimated GF Value™ of ₨181.47.
GuruFocus considers Habib Bank to be Significantly Overvalued.
Key valuation signals for KAR:HBL:
3-1 Month Momentum %: 7.56%
GF Value™: ₨181.47 vs. price of ₨303.04 (67% above fair value)
Industry Position: 93.8% above the Banks median (#548 of 1563)
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 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.
53GF Score
Get the complete analysis for KAR:HBL
3-1 Month Momentum % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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