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Selling, general, & admin. expense (SGA) includes the direct and indirect costs and all general and administrative expenses of a company. Habib Metropolitan Bank's selling, general, & admin. expense for the
three
months ended in Mar. 2026 was ₨939 Mil.
Its selling, general, & admin. expense for the trailing twelve months (TTM) ended in Mar. 2026 was ₨1,620 Mil.
Habib Metropolitan Bank (KAR:HMB) Selling, General, & Admin. Expense Explanation
An efficient operation keeps SGA costs low and thus has higher profit margin. The percentage of SGA relative to total revenue is an indication of how efficiently the company operates. Compare this percentage among the companies in the same industry is a good way of finding more efficient operations. A comparison of the SGA cost relative to the revenue with the historical value can also be an indication of how efficient the company has become.
Warren Buffett likes companies with consistent SGA as the percentage of gross profit.
Companies with no durable competitive advantage show wild variation in SG&A as % of Gross Profit.
If SGA is less than 30% of Gross Profit, it is fantastic. If SGA is nearing 100%, it is is in highly competitive industry.
Habib Metropolitan Bank Selling, General, & Admin. Expense Related Terms
Habib Metropolitan Bank Selling, General, & Admin. Expense Historical Data
* Premium members only.
The historical data trend for Habib Metropolitan Bank's Selling, General, & Admin. Expense 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.
Habib Metropolitan Bank Selling, General, & Admin. Expense Chart
Habib Metropolitan Bank Selling, General, & Admin. Expense Competitor Comparison
For the Banks - Regional subindustry, Habib Metropolitan Bank's Selling, General, & Admin. Expense, along with its competitors' market caps and Selling, General, & Admin. Expense 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 Selling, General, & Admin. Expense vs Banks Industry
For the Banks industry and Financial Services sector, Habib Metropolitan Bank's Selling, General, & Admin. Expense distribution charts can be found below:
* The bar in red indicates where Habib Metropolitan Bank's Selling, General, & Admin. Expense falls into.
Habib Metropolitan Bank Selling, General, & Admin. Expense Calculation
Selling, General, & Admin. Expense (SGA) includes the direct and indirect costs and all general and administrative expenses of a company. For instance, personnel cost, advertising, rent, communication costs are all part of SGA.
Selling, General, & Admin. Expense 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 ₨1,620 Mil.
* 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.
What does a Selling, General, & Admin. Expense of ₨1,620 Mil mean?
Habib Metropolitan Bank (KAR:HMB) has a Selling, General, & Admin. Expense of ₨1,620 Mil as of Mar. 2026. Selling, general and admin expense is the total cost for direct, indirect, general and administrative activities. View historical data on Habib Metropolitan Bank and its competitors.
Is Habib Metropolitan Bank's Selling, General, & Admin. Expense too high?
Habib Metropolitan Bank's current Selling, General, & Admin. Expense is ₨1,620 Mil. Overall, Habib Metropolitan 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 Metropolitan Bank's Selling, General, & Admin. Expense compare to competitors?
Habib Metropolitan Bank's Selling, General, & Admin. Expense of ₨1,620 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Selling, General, & Admin. Expense for a Banks company?
A good Selling, General, & Admin. Expense depends on the Banks industry context. However, Selling, General, & Admin. Expense 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 Selling, General, & Admin. Expense mean?
A high Selling, General, & Admin. Expense can signal that a stock is expensive relative to its fundamentals. Selling, general and admin expense is the total cost for direct, indirect, general and administrative activities. View historical data on Habib Metropolitan Bank and its competitors. Habib Metropolitan Bank's current Selling, General, & Admin. Expense is ₨1,620 Mil. 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 ₨78.93, compared to a current price of ₨114.66 — trading 45.3% above its estimated fair value. The current Selling, General, & Admin. Expense is ₨1,620 Mil. Habib Metropolitan Bank's overall GF Score™ is 61/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Selling, General, & Admin. Expense calculated?
Selling, General, & Admin. Expense is calculated from a company's financial statements. For Habib Metropolitan Bank (KAR:HMB), the current Selling, General, & Admin. Expense is ₨1,620 Mil 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 ₨114.66 is trading 45.3% above its estimated GF Value™ of ₨78.93.
GuruFocus considers Habib Metropolitan Bank to be Significantly Overvalued.
Key valuation signals for KAR:HMB:
Selling, General, & Admin. Expense: ₨1,620 Mil
GF Value™: ₨78.93 vs. price of ₨114.66 (45.3% above fair value)
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.
61GF Score
Get the complete analysis for KAR:HMB
Selling, General, & Admin. Expense is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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