Habib Metropolitan BankKAR:HMB -0.29%62 Pretax Margin % is 50.64% as of Mar. 2026, which is 5% below its 10-year median of 53.11. 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 better than 85.73% on this metric.
The historical rank and industry rank for Habib Metropolitan Bank's Pretax Margin % or its related term are showing as below:
KAR:HMB'
s Pretax Margin % Range Over the Past 10 Years
Min: 46.66 Med: 53.11 Max: 61.48
Current: 52.91
KAR:HMB's Pretax Margin % is ranked better than 85.73% of 1528
companies
in the Banks industry
Industry Median: 34.715
vs KAR:HMB: 52.91
Habib Metropolitan Bank (KAR:HMB) 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.
Habib Metropolitan Bank Pretax Margin % Related Terms
Habib Metropolitan Bank Pretax 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 Pretax Margin % Competitor Comparison
For the Banks - Regional subindustry, Habib Metropolitan Bank'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.
Habib Metropolitan Bank Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Habib Metropolitan Bank's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Habib Metropolitan Bank'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.
Habib Metropolitan Bank (KAR:HMB) has a Pretax Margin % of 50.64% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Habib Metropolitan Bank and its competitors. This is near median its historical median of 53.11. Over the past decade, Habib Metropolitan Bank's Pretax Margin % has ranged from 46.66 to 61.48. According to the industry distribution chart, Habib Metropolitan Bank ranks #218 out of 1528 companies in the Banks industry, placing it in the top 14.3%.
Is Habib Metropolitan Bank's Pretax Margin % too high?
Habib Metropolitan Bank's current Pretax Margin % of 50.64% is near median its 10-year median of 53.11. Over the past 10 years, this metric has ranged from a low of 46.66 to a high of 61.48. The Banks industry median Pretax Margin % is 34.72. Habib Metropolitan Bank's value of 50.64% is 45.9% above this industry median. Based on the distribution chart, Habib Metropolitan Bank ranks #218 out of 1528 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 62/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Habib Metropolitan Bank's Pretax Margin % compare to competitors?
According to the Banks industry distribution chart, Habib Metropolitan Bank ranks #218 out of 1528 companies for Pretax Margin %. This places Habib Metropolitan Bank in the top 14% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 34.72. Habib Metropolitan Bank's value of 50.64% is 45.9% above this benchmark. Historically, Habib Metropolitan Bank's own Pretax Margin % has ranged from 46.66 to 61.48 over the past decade. While the company's 10-year median is 53.11 vs. the industry median of 34.72, Habib Metropolitan Bank 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. Habib Metropolitan Bank's current Pretax Margin % of 50.64% is 45.9% 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 Habib Metropolitan Bank 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. Habib Metropolitan Bank's current Pretax Margin % is 50.64%, which is near median its own 10-year median of 53.11. 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 Pretax Margin % is 50.64%, which is near median its 10-year median of 53.11 and 45.9% above the Banks industry median of 34.72. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Habib Metropolitan Bank (KAR:HMB), the current Pretax Margin % is 50.64% 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:
Pretax Margin %: 50.64% (near median its 10-year median of 53.11)
GF Value™: ₨78.03 vs. price of ₨117.11 (50.1% above fair value)
Industry Position: 45.9% above the Banks median (#218 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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