Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Habib BankKAR:HBL +0.35%55 PS Ratio is 1.31 as of Jul. 17, 2026, which is 7% above its 10-year median of 1.22. GuruFocus rates KAR:HBL with a GF Score™ of 55/100 and a GF Value™ of ₨173.58 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 1,517 Banks companies, Habib Bank ranks better than 88.07% on this metric.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, Habib Bank's share price is ₨304.39.
Habib Bank's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was ₨233.13. Hence, Habib Bank's PS Ratio for today is 1.31.
The historical rank and industry rank for Habib Bank's PS Ratio or its related term are showing as below:
KAR:HBL'
s PS Ratio Range Over the Past 10 Years
Min: 0.45 Med: 1.22 Max: 4.14
Current: 1.3
During the past 13 years, Habib Bank's highest PS Ratio was 4.14. The lowest was 0.45. And the median was 1.22.
KAR:HBL's PS Ratio is ranked better than 88.07% of 1517
companies
in the Banks industry
Industry Median: 3.06
vs KAR:HBL: 1.30
Habib Bank Ltd revenue growth has slowed down over the past 12 months.
During the past 12 months, the average Revenue per Share Growth Rate of Habib Bank was 7.20% per year.
During the past 3 years, the average Revenue per Share Growth Rate was 19.50% per year.
During the past 5 years, the average Revenue per Share Growth Rate was 19.30% per year.
During the past 10 years, the average Revenue per Share Growth Rate was 14.00% per year.
During the past 13 years, Habib Bank's highest 3-Year average Revenue per Share Growth Rate was 24.50% per year. The lowest was -5.50% per year. And the median was 11.90% per year.
Back to Basics: PS Ratio
Habib Bank (KAR:HBL) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
Habib Bank PS Ratio Related Terms
Habib Bank PS Ratio Historical Data
* Premium members only.
The historical data trend for Habib Bank's PS 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, Habib Bank's PS Ratio, along with its competitors' market caps and PS 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.
Habib Bank PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Habib Bank's PS Ratio distribution charts can be found below:
* The bar in red indicates where Habib Bank's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
Habib Bank's Share Price of today is ₨304.39. Habib Bank's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₨233.13.
* 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:
Habib Bank (KAR:HBL) has a PS Ratio of 1.31 as of Jul. 17, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Habib Bank and its competitors. This is near median its historical median of 1.22. Over the past decade, Habib Bank's PS Ratio has ranged from 0.45 to 4.14. According to the industry distribution chart, Habib Bank ranks #181 out of 1517 companies in the Banks industry, placing it in the top 11.9%.
Is Habib Bank's PS Ratio too high?
Habib Bank's current PS Ratio of 1.31 is near median its 10-year median of 1.22. Over the past 10 years, this metric has ranged from a low of 0.45 to a high of 4.14. The Banks industry median PS Ratio is 3.06. Habib Bank's value of 1.31 is 57.2% below this industry median. Based on the distribution chart, Habib Bank ranks #181 out of 1517 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Habib Bank has a GF Score™ of 55/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Habib Bank's PS Ratio compare to competitors?
According to the Banks industry distribution chart, Habib Bank ranks #181 out of 1517 companies for PS Ratio. This places Habib Bank in the top 12% of its industry — outperforming the majority of peers. The industry median PS Ratio is 3.06. Habib Bank's value of 1.31 is 57.2% below this benchmark. Historically, Habib Bank's own PS Ratio has ranged from 0.45 to 4.14 over the past decade. While the company's 10-year median is 1.22 vs. the industry median of 3.06, Habib Bank has consistently been below 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 PS Ratio for a Banks company?
The median PS Ratio among Banks companies is 3.06, based on 1,517 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Habib Bank's current PS Ratio of 1.31 is 57.2% below 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Habib Bank and its competitors. For the Banks industry, the median PS Ratio is 3.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Habib Bank's current PS Ratio is 1.31, which is near median its own 10-year median of 1.22. 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 ₨173.58, compared to a current price of ₨304.39 — trading 75.4% above its estimated fair value. The current PS Ratio is 1.31, which is near median its 10-year median of 1.22 and 57.2% below the Banks industry median of 3.06. Habib Bank's overall GF Score™ is 55/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For Habib Bank (KAR:HBL), the current PS Ratio is 1.31 as of Jul. 17, 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 ₨304.39 is trading 75.4% above its estimated GF Value™ of ₨173.58.
GuruFocus considers Habib Bank to be Significantly Overvalued.
Key valuation signals for KAR:HBL:
PS Ratio: 1.31 (near median its 10-year median of 1.22)
GF Value™: ₨173.58 vs. price of ₨304.39 (75.4% above fair value)
Industry Position: 57.2% below the Banks median (#181 of 1517)
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.
55GF Score
Get the complete analysis for KAR:HBL
PS Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
KAR:HBL has been successfully added to your 
