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Habib Metropolitan BankKAR:HMB +0.24%61 Peter Lynch Fair Value is ₨405.47 as of Jul. 22, 2026, which is 100% below its 10-year median of 0.26. GuruFocus rates KAR:HMB with a GF Score™ of 61/100 and a GF Value™ of ₨78.71 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 873 Banks companies, Habib Metropolitan Bank ranks better than 94.27% on this metric.
Peter Lynch Fair Value applies to growing companies. The ideal range for the growth rate is between 10 - 20% a year. Peter Lynch thinks that the fair P/E value for a growth company equals its growth rate, that is PEG = 1. The earnings here is trailing twelve month (TTM) earnings. For non-bank companies, the growth rate we use is the average growth rate for EBITDA per share over the past 5 years. For Banks, the growth rate we use is the average growth rate for Book Value per share over the past 5 years. If 5-Year Growth Rate is greater than 25% a year, we use 25. If 5-Year Growth Rate is smaller than 5% a year, we do not calculate Peter Lynch Fair Value.
Here, as of today, Habib Metropolitan Bank's PEG is 1. Habib Metropolitan Bank's 5-Year TTM Book Value Growth Rate is 18.81.
Habib Metropolitan Bank's EPS without NRI for the trailing twelve months (TTM) ended in Mar. 2026 was ₨21.56. Therefore, the Peter Lynch Fair Value for today is ₨405.47.
The historical rank and industry rank for Habib Metropolitan Bank's Peter Lynch Fair Value or its related term are showing as below:
KAR:HMB'
s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.09 Med: 0.26 Max: 1.3
Current: 0.29
During the past 13 years, the highest Price to Peter Lynch Fair Value Ratio of Habib Metropolitan Bank was 1.30. The lowest was 0.09. And the median was 0.26.
KAR:HMB's Price-to-Peter-Lynch-Fair-Value is ranked better than 94.27% of 873
companies
in the Banks industry
Industry Median: 1.13
vs KAR:HMB: 0.29
Note: Please don't confuse Peter Lynch Fair Value with the value reached in Peter Lynch Chart.
Habib Metropolitan Bank (KAR:HMB) Peter Lynch Fair Value Explanation
Peter Lynch Fair Value applies to growing companies. The ideal range for the growth rate is between 10 - 20% a year.
Peter Lynch thinks that the fair P/E value for a growth company equals its growth rate, that is PEG = 1. The earnings here is trailing twelve month (TTM) earnings. For non-bank companies, the growth rate we use is the average growth rate for EBITDA per share over the past 5 years. For Banks, the growth rate we use is the average growth rate for Book Value per share over the past 5 years.
Please don't confuse Peter Lynch Fair Value with the value reached in Peter Lynch Chart. In Peter Lynch chart, a fixed P/E ratio of 15 is used to draw the Earnings Line. Therefore the value reached has a P/E ratio of 15. But in Peter Lynch Fair Value calculation, P/E equals to the growth rate of Book Value per share over the past 5 years, which is 18.81 instead of 15 in this case.
Habib Metropolitan Bank's Price to Peter Lynch Fair Value Ratio for today is calculated as
Price to Peter Lynch Fair Value
=
Share Price
/
Peter Lynch Fair Value
=
114.77
/
405.47
=
0.28
* 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 Peter Lynch Fair Value Related Terms
Habib Metropolitan Bank Peter Lynch Fair Value Historical Data
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The historical data trend for Habib Metropolitan Bank's Peter Lynch Fair Value 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.
Habib Metropolitan Bank Peter Lynch Fair Value Chart
Habib Metropolitan Bank Peter Lynch Fair Value Competitor Comparison
For the Banks - Regional subindustry, Habib Metropolitan Bank's Price-to-Peter-Lynch-Fair-Value, along with its competitors' market caps and Price-to-Peter-Lynch-Fair-Value 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 Price-to-Peter-Lynch-Fair-Value vs Banks Industry
For the Banks industry and Financial Services sector, Habib Metropolitan Bank's Price-to-Peter-Lynch-Fair-Value distribution charts can be found below:
* The bar in red indicates where Habib Metropolitan Bank's Price-to-Peter-Lynch-Fair-Value falls into.
Habib Metropolitan Bank's EPS without NRI for the trailing twelve months (TTM) uses the latest annual data, which was ₨21.56.
* Note that for companies that do not have enough quarterly data to calculate the 5-Year TTM EBITDA Growth Rate, we use the annual data for the calculation.
* 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.
** Please be aware that the 5-Year TTM Book Value Growth Rate is calculated based on TTM data over the last 5 years. For quarterly reported companies, the TTM data is the latest quarter data. For companies that report semi-annually, annually, or do not have enough quarterly data, GuruFocus uses the annual data as the TTM data.
If 5-Year Earnings Growth Rate is greater than 25% a year, we use 25.
If 5-Year Earnings Growth Rate is smaller than 5% a year, we do not calculate Peter Lynch Fair Value.
Please note that we use the 5-year average growth rate of EBITDA per share as the growth rate for non-bank companies, as EBITDA growth is subject to less manipulations than net earnings per share. For banks, we use the 5-year average growth rate of Book Value per share as the growth rate. The reason is that EBITDA is not applicable to Banks and Book value is a relative important measurement for Banks. In the calculation, PEG=1 because Peter Lynch thinks that the fair P/E ratio of the growth stock is equal to its earnings growth rate.
What does a Peter Lynch Fair Value of ₨405.47 mean?
Habib Metropolitan Bank (KAR:HMB) has a Peter Lynch Fair Value of ₨405.47 as of Jul. 22, 2026. Peter Lynch Fair Value is the stock value based on a company's current earnings and five-year earnings growth, assuming a PEG of one. View historical data on Habib Metropolitan Bank and its competitors. This is 155850% above median its historical median of 0.26. Over the past decade, Habib Metropolitan Bank's Peter Lynch Fair Value has ranged from 0.09 to 1.30. According to the industry distribution chart, Habib Metropolitan Bank ranks #50 out of 873 companies in the Banks industry, placing it in the top 5.7%.
Is Habib Metropolitan Bank's Peter Lynch Fair Value too high?
Habib Metropolitan Bank's current Peter Lynch Fair Value of ₨405.47 is 155850% above median its 10-year median of 0.26. Over the past 10 years, this metric has ranged from a low of 0.09 to a high of 1.30. Based on the distribution chart, Habib Metropolitan Bank ranks #50 out of 873 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Habib Metropolitan Bank has a GF Score™ of 61/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Habib Metropolitan Bank's Peter Lynch Fair Value compare to competitors?
According to the Banks industry distribution chart, Habib Metropolitan Bank ranks #50 out of 873 companies for Peter Lynch Fair Value. This places Habib Metropolitan Bank in the top 6% of its industry — outperforming the majority of peers. The industry median Peter Lynch Fair Value is 1.13. Historically, Habib Metropolitan Bank's own Peter Lynch Fair Value has ranged from 0.09 to 1.30 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Peter Lynch Fair Value for a Banks company?
The median Peter Lynch Fair Value among Banks companies is 1.13, based on 873 companies in the industry. Companies in the top quartile (top 25%) have a Peter Lynch Fair Value significantly above this median, while those in the bottom quartile fall well below. However, Peter Lynch Fair Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Peter Lynch Fair Value mean?
A high Peter Lynch Fair Value can signal that a stock is expensive relative to its fundamentals. Peter Lynch Fair Value is the stock value based on a company's current earnings and five-year earnings growth, assuming a PEG of one. View historical data on Habib Metropolitan Bank and its competitors. For the Banks industry, the median Peter Lynch Fair Value is 1.13 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Habib Metropolitan Bank's current Peter Lynch Fair Value is ₨405.47, which is 155850% above median its own 10-year median of 0.26. 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 ₨78.71, compared to a current price of ₨114.77 — trading 45.8% above its estimated fair value. The current Peter Lynch Fair Value is ₨405.47, which is 155850% above median its 10-year median of 0.26. Habib Metropolitan Bank's overall GF Score™ is 61/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Peter Lynch Fair Value calculated?
Peter Lynch Fair Value is calculated from a company's financial statements. For Habib Metropolitan Bank (KAR:HMB), the current Peter Lynch Fair Value is ₨405.47 as of Jul. 22, 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 ₨114.77 is trading 45.8% above its estimated GF Value™ of ₨78.71.
GuruFocus considers Habib Metropolitan Bank to be Significantly Overvalued.
Key valuation signals for KAR:HMB:
Peter Lynch Fair Value: ₨405.47 (155850% above median its 10-year median of 0.26)
GF Value™: ₨78.71 vs. price of ₨114.77 (45.8% above fair value)
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.
61GF Score
Get the complete analysis for KAR:HMB
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