Bank AL HabibKAR:BAHL -1.56%62 Pretax Margin % is 38.71% as of Mar. 2026, which is 10% below its 10-year median of 43.01. GuruFocus rates KAR:BAHL with a GF Score™ of 62/100 and a GF Value™ of ₨116.19 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 1,528 Banks companies, Bank AL Habib ranks better than 61.13% on this metric.
Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. Bank AL Habib's Pre-Tax Income for the
three
months ended in Mar. 2026 was ₨15,315 Mil. Bank AL Habib's Revenue for the
three
months ended in Mar. 2026 was ₨39,561 Mil. Therefore, Bank AL Habib's pretax margin for the quarter that ended in Mar. 2026 was 38.71%.
The historical rank and industry rank for Bank AL Habib's Pretax Margin % or its related term are showing as below:
KAR:BAHL'
s Pretax Margin % Range Over the Past 10 Years
Min: 37.76 Med: 43.01 Max: 48.4
Current: 39.2
KAR:BAHL's Pretax Margin % is ranked better than 61.13% of 1528
companies
in the Banks industry
Industry Median: 34.715
vs KAR:BAHL: 39.20
Bank AL Habib (KAR:BAHL) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Bank AL Habib Pretax Margin % Related Terms
Bank AL Habib Pretax Margin % Historical Data
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The historical data trend for Bank AL Habib's Pretax 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.
Bank AL Habib Pretax Margin % Competitor Comparison
For the Banks - Regional subindustry, Bank AL Habib's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Bank AL Habib's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Bank AL Habib's Pretax 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 Pretax Margin % of 38.71% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Bank AL Habib and its competitors. This is 10% below median its historical median of 43.01. Over the past decade, Bank AL Habib's Pretax Margin % has ranged from 37.76 to 48.40. According to the industry distribution chart, Bank AL Habib ranks #594 out of 1528 companies in the Banks industry, placing it in the top 38.9%.
Is Bank AL Habib's Pretax Margin % too high?
Bank AL Habib's current Pretax Margin % of 38.71% is 10% below median its 10-year median of 43.01. Over the past 10 years, this metric has ranged from a low of 37.76 to a high of 48.40. The Banks industry median Pretax Margin % is 34.72. Bank AL Habib's value of 38.71% is 11.5% above this industry median. Based on the distribution chart, Bank AL Habib ranks #594 out of 1528 companies in the Banks industry, which is above 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 Pretax Margin % compare to competitors?
According to the Banks industry distribution chart, Bank AL Habib ranks #594 out of 1528 companies for Pretax Margin %. This puts Bank AL Habib in the upper half of its industry. The industry median Pretax Margin % is 34.72. Bank AL Habib's value of 38.71% is 11.5% above this benchmark. Historically, Bank AL Habib's own Pretax Margin % has ranged from 37.76 to 48.40 over the past decade. While the company's 10-year median is 43.01 vs. the industry median of 34.72, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.72, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank AL Habib's current Pretax Margin % of 38.71% is 11.5% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Bank AL Habib and its competitors. For the Banks industry, the median Pretax Margin % is 34.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank AL Habib's current Pretax Margin % is 38.71%, which is 10% below median its own 10-year median of 43.01. 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 ₨116.19, compared to a current price of ₨175.21 — trading 50.8% above its estimated fair value. The current Pretax Margin % is 38.71%, which is 10% below median its 10-year median of 43.01 and 11.5% above the Banks industry median of 34.72. Bank AL Habib's overall GF Score™ is 62/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Bank AL Habib (KAR:BAHL), the current Pretax Margin % is 38.71% 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 ₨175.21 is trading 50.8% above its estimated GF Value™ of ₨116.19.
GuruFocus considers Bank AL Habib to be Significantly Overvalued.
Key valuation signals for KAR:BAHL:
Pretax Margin %: 38.71% (10% below median its 10-year median of 43.01)
GF Value™: ₨116.19 vs. price of ₨175.21 (50.8% above fair value)
Industry Position: 11.5% above the Banks median (#594 of 1528)
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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