Habib Metropolitan Bank (KAR:HMB) Scaled Net Operating Assets: 0.06 (As of Mar. 2026)


KAR:HMB Habib Metropolitan Bank Ltd KAR:HMB
62 GF Score
Price ₨117.11
GF Value ₨78.03
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Habib Metropolitan Bank Scaled Net Operating Assets?

Habib Metropolitan Bank KAR:HMB -0.29% 62 Scaled Net Operating Assets is 0.06 as of Mar. 2026. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Habib Metropolitan Bank's operating assets for the quarter that ended in Mar. 2026 was ₨1,700,191 Mil. Habib Metropolitan Bank's operating liabilities for the quarter that ended in Mar. 2026 was ₨1,605,241 Mil. Habib Metropolitan Bank's Total Assets for the quarter that ended in Dec. 2025 was ₨1,691,682 Mil. Therefore, Habib Metropolitan Bank's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.06.

KAR:HMB
62GF Score
Habib Metropolitan Bank Ltd KAR:HMB
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Habib Metropolitan Bank Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Habib Metropolitan Bank's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(1589034.746-1503628.026)/1525584.344
=0.06

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1691682.092 - 102647.346
=1589034.746

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1557607.681 - 53979.655 - 0
=1503628.026

Habib Metropolitan Bank's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(1700191.332-1605240.886)/1691682.092
=0.06

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1792236.869 - 92045.537
=1700191.332

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1664506.87 - 59265.984 - 0
=1605240.886

* 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 Scaled Net Operating Assets of 0.06 mean?
Habib Metropolitan Bank (KAR:HMB) has a Scaled Net Operating Assets of 0.06 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Habib Metropolitan Bank and its competitors.
Is Habib Metropolitan Bank's Scaled Net Operating Assets too high?
Habib Metropolitan Bank's current Scaled Net Operating Assets is 0.06. 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 Scaled Net Operating Assets compare to competitors?
Habib Metropolitan Bank's Scaled Net Operating Assets of 0.06 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Habib Metropolitan Bank and its competitors. Habib Metropolitan Bank's current Scaled Net Operating Assets is 0.06. 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 Scaled Net Operating Assets is 0.06. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Habib Metropolitan Bank (KAR:HMB), the current Scaled Net Operating Assets is 0.06 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:

  • Scaled Net Operating Assets: 0.06
  • GF Value™: ₨78.03 vs. price of ₨117.11 (50.1% above fair value)
  • GF Score™: 62/100 with 7 warning signs

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 Business Description

Address I.I. Chundrigar Road, Ground Floor, HabibMetro Head Office, Karachi, SD, PAK, 74200
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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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₨117.11
Price
₨78.03
GF Value