| Price | Rs 302.42 |
| ZEME fair value | Rs 237.43 |
| Discount to fair value | -21.5% |
| Smart-money phase | Fully Loaded |
| Confidence score | 44/100 |
| RSI (14) | 50.6 |
| P/E | 6.7 |
| ROE | —% |
| Dividend yield | 7.1% |
| 52-week range | Rs 216.29 – Rs 363.83 |
| Sector | Commercial Banks |
| Shariah-compliant | No |
HBL (Habib Bank Limited) trades at Rs 302.42 on the Pakistan Stock Exchange, in the Fully Loaded smart-money phase — accumulated. ZEME's model puts fair value near Rs 237.43, making it about 21.5% overvalued. Smart money has fully loaded the position — a mature bullish setup, often before a markup.
ZEME AI reads HBL through operator accumulation/distribution phases, fair value across three methods, RSI and volume, plus institutional flow (FIPI/LIPI & off-market) — the same smart-money engine behind our daily PSX signals. For the live chart, entry/stop/target and history, open the interactive analysis above.
Constructive — ZEME sees smart-money accumulation; check the entry vs the load zone. Smart money has fully loaded the position — a mature bullish setup, often before a markup. As of 20 Jul 2026, HBL is in the Fully Loaded phase with a ZEME confidence score of 44/100.
ZEME estimates HBL's fair value at about Rs 237.43, versus a market price of Rs 302.42 — roughly 21.5% overvalued.
HBL is currently in the Fully Loaded phase. Smart money has fully loaded the position — a mature bullish setup, often before a markup.
Data updated 20 Jul 2026 from ZEME AI's PSX engine. Educational analytics, not investment advice — do your own research and use a stop loss. Trading carries risk.