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During the past 12 months, Standard Chartered Bank (Pakistan)'s average Book Value per Share Growth Rate was 0.70% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 8.10% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 8.30% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 7.00% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of Standard Chartered Bank (Pakistan) was 13.90% per year. The lowest was 1.20% per year. And the median was 5.60% per year.
Standard Chartered Bank (Pakistan) (KAR:SCBPL) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Standard Chartered Bank (Pakistan) 3-Year Book Growth Rate Related Terms
Standard Chartered Bank (Pakistan) 3-Year Book Growth Rate Competitor Comparison
For the Banks - Regional subindustry, Standard Chartered Bank (Pakistan)'s 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate 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.
Standard Chartered Bank (Pakistan) 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Standard Chartered Bank (Pakistan)'s 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Standard Chartered Bank (Pakistan)'s 3-Year Book Growth Rate falls into.
Standard Chartered Bank (Pakistan) 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 8.10% mean?
Standard Chartered Bank (Pakistan) (KAR:SCBPL) has a 3-Year Book Growth Rate of 8.10% as of Mar. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Standard Chartered Bank (Pakistan) and its competitors. This is 45% above median its historical median of 5.60. Over the past decade, Standard Chartered Bank (Pakistan)'s 3-Year Book Growth Rate has ranged from 1.20 to 13.90. According to the industry distribution chart, Standard Chartered Bank (Pakistan) ranks #826 out of 1493 companies in the Banks industry, placing it in the top 55.3%.
Is Standard Chartered Bank (Pakistan)'s 3-Year Book Growth Rate too high?
Standard Chartered Bank (Pakistan)'s current 3-Year Book Growth Rate of 8.10% is 45% above median its 10-year median of 5.60. Over the past 10 years, this metric has ranged from a low of 1.20 to a high of 13.90. The Banks industry median 3-Year Book Growth Rate is 8.80. Standard Chartered Bank (Pakistan)'s value of 8.10% is 8% below this industry median. Based on the distribution chart, Standard Chartered Bank (Pakistan) ranks #826 out of 1493 companies in the Banks industry, which is below the industry midpoint. Overall, Standard Chartered Bank (Pakistan) has a GF Score™ of 71/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Standard Chartered Bank (Pakistan)'s 3-Year Book Growth Rate compare to competitors?
According to the Banks industry distribution chart, Standard Chartered Bank (Pakistan) ranks #826 out of 1493 companies for 3-Year Book Growth Rate. This places Standard Chartered Bank (Pakistan) in the lower half of its industry. The industry median 3-Year Book Growth Rate is 8.80. Standard Chartered Bank (Pakistan)'s value of 8.10% is 8% below this benchmark. Historically, Standard Chartered Bank (Pakistan)'s own 3-Year Book Growth Rate has ranged from 1.20 to 13.90 over the past decade. While the company's 10-year median is 5.60 vs. the industry median of 8.80, Standard Chartered Bank (Pakistan) has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Banks company?
The median 3-Year Book Growth Rate among Banks companies is 8.80, based on 1,493 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Standard Chartered Bank (Pakistan)'s current 3-Year Book Growth Rate of 8.10% is 8% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Standard Chartered Bank (Pakistan) and its competitors. For the Banks industry, the median 3-Year Book Growth Rate is 8.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Standard Chartered Bank (Pakistan)'s current 3-Year Book Growth Rate is 8.10%, which is 45% above median its own 10-year median of 5.60. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Standard Chartered Bank (Pakistan) stock overvalued right now?
Based on GuruFocus' analysis, Standard Chartered Bank (Pakistan) (KAR:SCBPL) is currently considered Significantly Overvalued. The stock's GF Value™ is ₨36.39, compared to a current price of ₨63.01 — trading 73.2% above its estimated fair value. The current 3-Year Book Growth Rate is 8.10%, which is 45% above median its 10-year median of 5.60 and 8% below the Banks industry median of 8.80. Standard Chartered Bank (Pakistan)'s overall GF Score™ is 71/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Standard Chartered Bank (Pakistan) (KAR:SCBPL), the current 3-Year Book Growth Rate is 8.10% 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 Standard Chartered Bank (Pakistan) (KAR:SCBPL) Overvalued in 2026?
Based on GuruFocus' analysis, Standard Chartered Bank (Pakistan) stock appears to be overvalued.
The current stock price of ₨63.01 is trading 73.2% above its estimated GF Value™ of ₨36.39.
GuruFocus considers Standard Chartered Bank (Pakistan) to be Significantly Overvalued.
Key valuation signals for KAR:SCBPL:
3-Year Book Growth Rate: 8.10% (45% above median its 10-year median of 5.60)
GF Value™: ₨36.39 vs. price of ₨63.01 (73.2% above fair value)
Industry Position: 8% below the Banks median (#826 of 1493)
No single metric tells the full story. See the KAR:SCBPL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Standard Chartered Bank (Pakistan) Ltd is a banking corporation based in Pakistan. It provides retail and corporate banking services to customers. The products and services provided by the bank include credit cards, personal loans, mortgages, deposit taking and wealth management services to individuals and small to medium-sized enterprises as well as trade finance, cash management, lending, securities services, foreign exchange, debt capital markets and corporate finance. It also provides the complete suite of Islamic banking solutions under its Standard Chartered Saadiq brand. The company's revenue comprises of fees, commission and interest and dividend received from its products and services. The Bank operates only in Pakistan.
71GF Score
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3-Year Book Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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