Habib Bank (KAR:HBL) Tariff Resilience Score: 0/10 (As of Jul. 16, 2026)

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
55 GF Score
Price ₨303.32
GF Value ₨173.49
Valuation Significantly Overvalued
! 3 Warning Signs
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What is Habib Bank Tariff Resilience Score?

Habib Bank has the Tariff Resilience Score of 0, which implies that the company might have .

Habib Bank has

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes Habib Bank might have .

Habib Bank  (KAR:HBL) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

Habib Bank Tariff Resilience Score Related Terms

KAR:HBL
55GF Score
Habib Bank Ltd KAR:HBL
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Habib Bank (KAR:HBL) Overvalued in 2026?

Based on GuruFocus' analysis, Habib Bank stock appears to be overvalued. The current stock price of ₨303.32 is trading 74.8% above its estimated GF Value™ of ₨173.49. GuruFocus considers Habib Bank to be Significantly Overvalued.

Key valuation signals for KAR:HBL:

  • Tariff Resilience Score: 0
  • GF Value™: ₨173.49 vs. price of ₨303.32 (74.8% above fair value)
  • GF Score™: 55/100 with 3 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.
55GF Score

Get the complete analysis for KAR:HBL

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

₨303.32
Price
₨173.49
GF Value