Habib Bank (KAR:HBL) Quality Rank

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

KAR:HBL Habib Bank Ltd KAR:HBL
59 GF Score
Price ₨303.67
GF Value ₨174.87
Valuation Significantly Overvalued
! 2 Warning Signs
View Full Analysis

What is Habib Bank Quality Rank?

The Quality Rank measures the business quality of a company relative to other companies. It is ranked based on the strength of the balance sheet, as well as the profitability and growth of the business. The ranked companies are split in equal numbers and then ranked from 1 to 10, with 10 being the highest.

The rank of balance sheet (30%)

The rank of balance sheet is done through the ranking of:
  • Interest coverage
  • Zscore
  • Debt to revenue
  • Equity to asset
  • Cash to debt

The rank of Profitability (70%)

The ranking of Profitability is done by ranking:
  • Operating margin mean rank (10-year mean average profit margine)
  • Operating margin growth rank
  • Fscore
  • Predictability rank
  • Revenue growth rank (5 year), when the growth is higher than 25%, set it as 25%
  • Num of year profit (number of years that is profitable within the last 10 years)
  • ROIC median (10-year median of ROIC)

Habib Bank Quality Rank Related Terms

KAR:HBL
59GF Score
Habib Bank Ltd KAR:HBL
Quality Rank is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Is Habib Bank (KAR:HBL) Overvalued in 2026?

Based on GuruFocus' analysis, Habib Bank stock appears to be overvalued. The current stock price of ₨303.67 is trading 73.7% above its estimated GF Value™ of ₨174.87. GuruFocus considers Habib Bank to be Significantly Overvalued.

Key valuation signals for KAR:HBL:

  • Quality Rank:
  • GF Value™: ₨174.87 vs. price of ₨303.67 (73.7% above fair value)
  • GF Score™: 59/100 with 2 warning signs

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 Business Description

Address HBL Tower, Plot No. G-4, KDA Scheme 5, Block 7 Clifton, Karachi, PAK, 75650
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.
59GF Score

Get the complete analysis for KAR:HBL

Quality Rank is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₨303.67
Price
₨174.87
GF Value