Habib Bank (KAR:HBL) ROCE %: % (As of Mar. 2026)


KAR:HBL Habib Bank Ltd KAR:HBL
61 GF Score
Price ₨294.10
GF Value ₨171.78
Valuation Significantly Overvalued
! 2 Warning Signs
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What is Habib Bank ROCE %?

Habib Bank KAR:HBL 61 ROCE % is % as of Mar. 2026. GuruFocus rates KAR:HBL with a GF Score™ of 61/100 and a GF Value™ of ₨171.78 (Significantly Overvalued). The stock has 2 warning signs investors should review.

ROCE % does not apply to banks and insurance companies.

KAR:HBL
61GF Score
Habib Bank Ltd KAR:HBL
ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROCE % →
What does a ROCE % of % mean?
Habib Bank (KAR:HBL) has a ROCE % of % as of Mar. 2026.
Is Habib Bank's ROCE % too high?
Habib Bank's current ROCE % is %. Overall, Habib 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 Bank's ROCE % compare to competitors?
Habib Bank's ROCE % of % can be compared against companies in the Banks industry. The industry median ROCE % is 3.20. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROCE % for a Banks company?
The median ROCE % among Banks companies is 3.20, based on 48 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % 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 ROCE % mean?
A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median ROCE % is 3.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Habib Bank's current ROCE % is %. 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 ₨171.78, compared to a current price of ₨294.10 — trading 71.2% above its estimated fair value. The current ROCE % is %. Habib Bank's overall GF Score™ is 61/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROCE % calculated?
ROCE % is calculated from a company's financial statements. For Habib Bank (KAR:HBL), the current ROCE % is % 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 Bank (KAR:HBL) Overvalued in 2026?

Based on GuruFocus' analysis, Habib Bank stock appears to be overvalued. The current stock price of ₨294.10 is trading 71.2% above its estimated GF Value™ of ₨171.78. GuruFocus considers Habib Bank to be Significantly Overvalued.

Key valuation signals for KAR:HBL:

  • ROCE %: %
  • GF Value™: ₨171.78 vs. price of ₨294.10 (71.2% above fair value)
  • GF Score™: 61/100 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.
61GF Score

Get the complete analysis for KAR:HBL

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

₨294.10
Price
₨171.78
GF Value