Allied Bank (KAR:ABL) Cyclically Adjusted Book per Share: ₨150.09 (As of Mar. 2026)


KAR:ABL Allied Bank Ltd KAR:ABL
55 GF Score
Price ₨186.25
GF Value ₨119.23
Valuation Significantly Overvalued
! 2 Warning Signs
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What is Allied Bank Cyclically Adjusted Book per Share?

Allied Bank KAR:ABL +1.24% 55 Cyclically Adjusted Book per Share is ₨150.09 as of Mar. 2026. GuruFocus rates KAR:ABL with a GF Score™ of 55/100 and a GF Value™ of ₨119.23 (Significantly Overvalued). The stock has 2 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Allied Bank's adjusted book value per share for the three months ended in Mar. 2026 was ₨217.213. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is ₨150.09 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Allied Bank's average Cyclically Adjusted Book Growth Rate was 12.10% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 10.30% 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 Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of Allied Bank was 11.00% per year. The lowest was 10.30% per year. And the median was 10.65% per year.

As of today (2026-07-04), Allied Bank's current stock price is ₨186.25. Allied Bank's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was ₨150.09. Allied Bank's Cyclically Adjusted PB Ratio of today is 1.24.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Allied Bank was 1.47. The lowest was 0.56. And the median was 0.87.


Allied Bank  (KAR:ABL) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Allied Bank's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=186.25/150.09
=1.24

* 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.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Allied Bank was 1.47. The lowest was 0.56. And the median was 0.87.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Allied Bank Cyclically Adjusted Book per Share Related Terms


Allied Bank Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Allied Bank's Cyclically Adjusted Book per Share 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.

Allied Bank Cyclically Adjusted Book per Share Chart

Allied Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 94.64 107.96 114.84 129.45 144.78

Allied Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 133.92 138.01 141.93 144.78 150.09

Allied Bank Cyclically Adjusted Book per Share Competitor Comparison

For the Banks - Regional subindustry, Allied Bank's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio 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.


Allied Bank Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Allied Bank's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Allied Bank's Cyclically Adjusted PB Ratio falls into.


KAR:ABL
55GF Score
Allied Bank Ltd KAR:ABL
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Allied Bank Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Allied Bank's adjusted Book Value per Share data for the three months ended in Mar. 2026 was:

Adj_Book= Book Value per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=217.213/330.2130*330.2130
=217.213

Current CPI (Mar. 2026) = 330.2130.

Allied Bank Quarterly Data

Book Value per Share CPI Adj_Book
201606 86.480 241.018 118.484
201609 87.439 241.428 119.595
201612 88.916 241.432 121.613
201703 89.704 243.801 121.498
201706 88.548 244.955 119.368
201709 88.938 246.819 118.988
201712 94.361 246.524 126.394
201803 98.340 249.554 130.125
201806 95.318 251.989 124.907
201809 95.459 252.439 124.869
201812 95.007 251.233 124.874
201903 95.341 254.202 123.850
201906 95.408 256.143 122.998
201909 95.909 256.759 123.347
201912 102.362 256.974 131.536
202003 100.457 258.115 128.517
202006 106.763 257.797 136.753
202009 108.406 260.280 137.533
202012 116.822 260.474 148.100
202103 111.620 264.877 139.153
202106 114.263 271.696 138.873
202109 114.918 274.310 138.338
202112 113.218 278.802 134.095
202203 114.710 287.504 131.750
202206 111.555 296.311 124.318
202209 110.960 296.808 123.448
202212 113.761 296.797 126.569
202303 111.775 301.836 122.283
202306 121.648 305.109 131.657
202309 133.948 307.789 143.707
202312 172.326 306.746 185.509
202403 185.443 312.332 196.060
202406 193.906 314.175 203.805
202409 204.325 315.301 213.988
202412 208.064 315.605 217.694
202503 211.465 319.799 218.351
202506 220.149 322.561 225.372
202509 225.240 324.800 228.994
202512 234.809 324.054 239.272
202603 217.213 330.213 217.213

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of ₨150.09 mean?
Allied Bank (KAR:ABL) has a Cyclically Adjusted Book per Share of ₨150.09 as of Mar. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Allied Bank and its competitors.
Is Allied Bank's Cyclically Adjusted Book per Share too high?
Allied Bank's current Cyclically Adjusted Book per Share is ₨150.09. Overall, Allied Bank has a GF Score™ of 55/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Allied Bank's Cyclically Adjusted Book per Share compare to competitors?
Allied Bank's Cyclically Adjusted Book per Share of ₨150.09 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 Cyclically Adjusted Book per Share for a Banks company?
A good Cyclically Adjusted Book per Share depends on the Banks industry context. However, Cyclically Adjusted Book per Share 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 Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Allied Bank and its competitors. Allied Bank's current Cyclically Adjusted Book per Share is ₨150.09. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Allied Bank stock overvalued right now?
Based on GuruFocus' analysis, Allied Bank (KAR:ABL) is currently considered Significantly Overvalued. The stock's GF Value™ is ₨119.23, compared to a current price of ₨186.25 — trading 56.2% above its estimated fair value. The current Cyclically Adjusted Book per Share is ₨150.09. Allied Bank's overall GF Score™ is 55/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Allied Bank (KAR:ABL), the current Cyclically Adjusted Book per Share is ₨150.09 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 Allied Bank (KAR:ABL) Overvalued in 2026?

Based on GuruFocus' analysis, Allied Bank stock appears to be overvalued. The current stock price of ₨186.25 is trading 56.2% above its estimated GF Value™ of ₨119.23. GuruFocus considers Allied Bank to be Significantly Overvalued.

Key valuation signals for KAR:ABL:

  • Cyclically Adjusted Book per Share: ₨150.09
  • GF Value™: ₨119.23 vs. price of ₨186.25 (56.2% above fair value)
  • GF Score™: 55/100 with 2 warning signs

No single metric tells the full story. See the KAR:ABL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Allied Bank Business Description

Address 3 Tipu Block, New Garden Town, Main Boulevard, Lahore, PB, PAK, 54000
Allied Bank Ltd is a scheduled bank engaged in providing commercial banking and related services. It offers financial products and services to medium- and large-sized public- and private-sector entities, as well as overseas clients, including corporate advisory, underwriting, cash management, trade products, corporate finance products, tenured financing arrangements, and customer service. It also supports treasury and money market activities, provides retail banking services to consumers and small and medium enterprises, and offers loans and deposits to commercial and retail customers. The bank's segments are Corporate and Investment Banking; Trading and Sales; Commercial and retail banking; Islamic banking; Asset management company, and Others.
55GF Score

Get the complete analysis for KAR:ABL

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₨186.25
Price
₨119.23
GF Value