Faysal Bank (KAR:FABL) Cyclically Adjusted Book per Share: ₨50.60 (As of Mar. 2026)


KAR:FABL Faysal Bank Ltd KAR:FABL
72 GF Score
Price ₨101.05
GF Value ₨54.49
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Faysal Bank Cyclically Adjusted Book per Share?

Faysal Bank KAR:FABL -2.70% 72 Cyclically Adjusted Book per Share is ₨50.60 as of Mar. 2026. GuruFocus rates KAR:FABL with a GF Score™ of 72/100 and a GF Value™ of ₨54.49 (Significantly Overvalued). The stock has 7 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.

Faysal Bank's adjusted book value per share for the three months ended in Mar. 2026 was ₨75.008. 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 ₨50.60 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Faysal Bank's average Cyclically Adjusted Book Growth Rate was 14.50% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 13.60% 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 Faysal Bank was 14.20% per year. The lowest was 13.60% per year. And the median was 13.90% per year.

As of today (2026-07-09), Faysal Bank's current stock price is ₨101.05. Faysal Bank's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was ₨50.60. Faysal Bank's Cyclically Adjusted PB Ratio of today is 2.00.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Faysal Bank was 2.07. The lowest was 0.58. And the median was 0.96.


Faysal Bank  (KAR:FABL) 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.

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

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=101.05/50.60
=2.00

* 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 Faysal Bank was 2.07. The lowest was 0.58. And the median was 0.96.


Be Aware

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


Faysal Bank Cyclically Adjusted Book per Share Related Terms


Faysal Bank Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Faysal 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.

Faysal Bank Cyclically Adjusted Book per Share Chart

Faysal 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 28.55 33.12 36.82 42.50 48.50

Faysal 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 44.21 45.82 47.35 48.50 50.60

Faysal Bank Cyclically Adjusted Book per Share Competitor Comparison

For the Banks - Regional subindustry, Faysal 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.


Faysal Bank Cyclically Adjusted PB Ratio vs Banks Industry

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

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


KAR:FABL
72GF Score
Faysal Bank Ltd KAR:FABL
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
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Faysal 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, Faysal 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)
=75.008/330.2130*330.2130
=75.008

Current CPI (Mar. 2026) = 330.2130.

Faysal Bank Quarterly Data

Book Value per Share CPI Adj_Book
201606 21.255 241.018 29.121
201609 21.854 241.428 29.891
201612 23.067 241.432 31.549
201703 23.943 243.801 32.429
201706 24.522 244.955 33.057
201709 25.029 246.819 33.486
201712 25.850 246.524 34.625
201803 26.643 249.554 35.254
201806 27.321 251.989 35.802
201809 27.946 252.439 36.556
201812 28.645 251.233 37.650
201903 29.845 254.202 38.769
201906 30.565 256.143 39.404
201909 31.491 256.759 40.500
201912 36.374 256.974 46.741
202003 37.659 258.115 48.178
202006 38.186 257.797 48.913
202009 39.174 260.280 49.699
202012 39.677 260.474 50.300
202103 40.701 264.877 50.741
202106 42.198 271.696 51.286
202109 42.816 274.310 51.542
202112 43.573 278.802 51.608
202203 44.102 287.504 50.653
202206 44.792 296.311 49.917
202209 46.313 296.808 51.525
202212 46.527 296.797 51.765
202303 46.767 301.836 51.164
202306 50.105 305.109 54.228
202309 52.378 307.789 56.194
202312 59.910 306.746 64.493
202403 59.972 312.332 63.405
202406 62.143 314.175 65.315
202409 69.266 315.301 72.542
202412 72.429 315.605 75.781
202503 71.043 319.799 73.356
202506 74.001 322.561 75.756
202509 75.404 324.800 76.661
202512 77.592 324.054 79.067
202603 75.008 330.213 75.008

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 ₨50.60 mean?
Faysal Bank (KAR:FABL) has a Cyclically Adjusted Book per Share of ₨50.60 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 Faysal Bank and its competitors.
Is Faysal Bank's Cyclically Adjusted Book per Share too high?
Faysal Bank's current Cyclically Adjusted Book per Share is ₨50.60. Overall, Faysal Bank has a GF Score™ of 72/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Faysal Bank's Cyclically Adjusted Book per Share compare to competitors?
Faysal Bank's Cyclically Adjusted Book per Share of ₨50.60 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 Faysal Bank and its competitors. Faysal Bank's current Cyclically Adjusted Book per Share is ₨50.60. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Faysal Bank stock overvalued right now?
Based on GuruFocus' analysis, Faysal Bank (KAR:FABL) is currently considered Significantly Overvalued. The stock's GF Value™ is ₨54.49, compared to a current price of ₨101.05 — trading 85.4% above its estimated fair value. The current Cyclically Adjusted Book per Share is ₨50.60. Faysal Bank's overall GF Score™ is 72/100 with 7 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 Faysal Bank (KAR:FABL), the current Cyclically Adjusted Book per Share is ₨50.60 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 Faysal Bank (KAR:FABL) Overvalued in 2026?

Based on GuruFocus' analysis, Faysal Bank stock appears to be overvalued. The current stock price of ₨101.05 is trading 85.4% above its estimated GF Value™ of ₨54.49. GuruFocus considers Faysal Bank to be Significantly Overvalued.

Key valuation signals for KAR:FABL:

  • Cyclically Adjusted Book per Share: ₨50.60
  • GF Value™: ₨54.49 vs. price of ₨101.05 (85.4% above fair value)
  • GF Score™: 72/100 with 7 warning signs

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


Faysal Bank Business Description

Address Faysal House, Street-02, Commercial Lane, Main Shahrah-e-Faisal, Karachi, SD, PAK
Faysal Bank Ltd offers a wide range of banking services to all customer segments, i.e. retail, small and medium-sized enterprises, commercial, agri-based, and corporate. The bank operates in Pakistan. The services provided by the bank include Personal banking, business banking, wealth management, e-banking, etc. The company's business segment consists of Retail banking, Corporate and investment banking, Treasury and equity capital market (ECM), Special asset management (SAM), and Others.
72GF Score

Get the complete analysis for KAR:FABL

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

₨101.05
Price
₨54.49
GF Value