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Bank AL Habib (KAR:BAHL) Cyclically Adjusted Book per Share : ₨78.44 (As of Mar. 2025)


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What is Bank AL Habib Cyclically Adjusted Book per Share?

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.

Bank AL Habib's adjusted book value per share for the three months ended in Mar. 2025 was ₨141.030. 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 ₨78.44 for the trailing ten years ended in Mar. 2025.

During the past 12 months, Bank AL Habib's average Cyclically Adjusted Book Growth Rate was 17.30% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 16.40% 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 Bank AL Habib was 18.50% per year. The lowest was 16.40% per year. And the median was 17.45% per year.

As of today (2025-05-25), Bank AL Habib's current stock price is ₨141.83. Bank AL Habib's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2025 was ₨78.44. Bank AL Habib's Cyclically Adjusted PB Ratio of today is 1.81.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Bank AL Habib was 2.07. The lowest was 0.71. And the median was 1.44.


Bank AL Habib Cyclically Adjusted Book per Share Historical Data

The historical data trend for Bank AL Habib'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.

* Premium members only.

Bank AL Habib Cyclically Adjusted Book per Share Chart

Bank AL Habib Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 38.22 47.51 54.41 63.56 74.92

Bank AL Habib Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
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 66.86 69.53 72.35 74.92 78.44

Competitive Comparison of Bank AL Habib's Cyclically Adjusted Book per Share

For the Banks - Regional subindustry, Bank AL Habib'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.


Bank AL Habib's Cyclically Adjusted PB Ratio Distribution in the Banks Industry

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

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


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Bank AL Habib 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, Bank AL Habib's adjusted Book Value per Share data for the three months ended in Mar. 2025 was:

Adj_Book= Book Value per Share /CPI of Mar. 2025 (Change)*Current CPI (Mar. 2025)
=141.03/134.9266*134.9266
=141.030

Current CPI (Mar. 2025) = 134.9266.

Bank AL Habib Quarterly Data

Book Value per Share CPI Adj_Book
201506 30.910 100.684 41.423
201509 32.776 100.392 44.051
201512 34.261 99.792 46.323
201603 33.520 100.470 45.016
201606 35.434 101.688 47.016
201609 36.825 101.861 48.779
201612 38.486 101.863 50.978
201703 36.709 102.862 48.152
201706 39.086 103.349 51.028
201709 40.159 104.136 52.033
201712 41.530 104.011 53.874
201803 40.431 105.290 51.812
201806 41.967 106.317 53.260
201809 43.204 106.507 54.732
201812 44.887 105.998 57.137
201903 44.745 107.251 56.291
201906 46.810 108.070 58.443
201909 49.859 108.329 62.100
201912 55.629 108.420 69.229
202003 60.312 108.902 74.725
202006 68.291 108.767 84.715
202009 69.435 109.815 85.313
202012 72.276 109.897 88.737
202103 70.398 111.754 84.995
202106 75.472 114.631 88.834
202109 81.744 115.734 95.300
202112 83.497 117.630 95.775
202203 79.462 121.301 88.388
202206 81.922 125.017 88.416
202209 82.839 125.227 89.256
202212 86.047 125.222 92.716
202303 80.965 127.348 85.783
202306 98.412 128.729 103.150
202309 106.579 129.860 110.738
202312 117.555 129.419 122.557
202403 115.226 131.776 117.981
202406 124.252 132.554 126.476
202409 137.881 133.029 139.848
202412 139.504 133.157 141.358
202503 141.030 134.927 141.030

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


Bank AL Habib  (KAR:BAHL) 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.

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

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=141.83/78.44
=1.81

* 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 Bank AL Habib was 2.07. The lowest was 0.71. And the median was 1.44.


Be Aware

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


Bank AL Habib Cyclically Adjusted Book per Share Related Terms

Thank you for viewing the detailed overview of Bank AL Habib's Cyclically Adjusted Book per Share provided by GuruFocus.com. Please click on the following links to see related term pages.


Bank AL Habib Business Description

Industry
Traded in Other Exchanges
N/A
Address
I.I. Chundrigar Road, 2nd Floor, Mackinnons Building, Karachi, SD, PAK
Bank AL Habib Ltd is a banking company in Pakistan. It provides banking services consisting of retail banking, current & savings accounts, credit cards, consumer banking products, provision of banking & other financial services to individual customers, small merchants & small-medium enterprises. The company also provides commercial banking such as banking services including treasury & international trade-related activities to large corporate customers, multinational companies, and government, & semi-government departments & institutions. Geographically, it operates in Pakistan, the Middle East & Asia- Pacific. The majority of revenue is from the Commercial banking segment.

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