Standard Chartered Bank (Pakistan) (KAR:SCBPL) Cyclically Adjusted Book per Share: ₨24.53 (As of Mar. 2026)


KAR:SCBPL Standard Chartered Bank (Pakistan) Ltd KAR:SCBPL
70 GF Score
Price ₨66.45
GF Value ₨35.85
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Standard Chartered Bank (Pakistan) Cyclically Adjusted Book per Share?

Standard Chartered Bank (Pakistan) KAR:SCBPL 70 Cyclically Adjusted Book per Share is ₨24.53 as of Mar. 2026. GuruFocus rates KAR:SCBPL with a GF Score™ of 70/100 and a GF Value™ of ₨35.85 (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.

Standard Chartered Bank (Pakistan)'s adjusted book value per share for the three months ended in Mar. 2026 was ₨26.916. 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 ₨24.53 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Standard Chartered Bank (Pakistan)'s average Cyclically Adjusted Book Growth Rate was 6.10% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 5.90% 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 Standard Chartered Bank (Pakistan) was 6.80% per year. The lowest was 5.90% per year. And the median was 6.35% per year.

As of today (2026-06-29), Standard Chartered Bank (Pakistan)'s current stock price is ₨66.45. Standard Chartered Bank (Pakistan)'s Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was ₨24.53. Standard Chartered Bank (Pakistan)'s Cyclically Adjusted PB Ratio of today is 2.71.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Standard Chartered Bank (Pakistan) was 3.35. The lowest was 0.94. And the median was 1.88.


Standard Chartered Bank (Pakistan)  (KAR:SCBPL) 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.

Standard Chartered Bank (Pakistan)'s Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=66.45/24.53
=2.71

* 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 Standard Chartered Bank (Pakistan) was 3.35. The lowest was 0.94. And the median was 1.88.


Be Aware

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


Standard Chartered Bank (Pakistan) Cyclically Adjusted Book per Share Related Terms


Standard Chartered Bank (Pakistan) Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Standard Chartered Bank (Pakistan)'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.

Standard Chartered Bank (Pakistan) Cyclically Adjusted Book per Share Chart

Standard Chartered Bank (Pakistan) 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 18.63 20.14 21.28 22.68 23.93

Standard Chartered Bank (Pakistan) 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 23.13 23.52 23.82 23.93 24.53

Standard Chartered Bank (Pakistan) Cyclically Adjusted Book per Share Competitor Comparison

For the Banks - Regional subindustry, Standard Chartered Bank (Pakistan)'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.


Standard Chartered Bank (Pakistan) Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Standard Chartered Bank (Pakistan)'s Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Standard Chartered Bank (Pakistan)'s Cyclically Adjusted PB Ratio falls into.


KAR:SCBPL
70GF Score
Standard Chartered Bank (Pakistan) Ltd KAR:SCBPL
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
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Standard Chartered Bank (Pakistan) 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, Standard Chartered Bank (Pakistan)'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)
=26.916/330.2130*330.2130
=26.916

Current CPI (Mar. 2026) = 330.2130.

Standard Chartered Bank (Pakistan) Quarterly Data

Book Value per Share CPI Adj_Book
201606 0.000 241.018 0.000
201609 15.324 241.428 20.959
201612 15.829 241.432 21.650
201703 15.187 243.801 20.570
201706 15.717 244.955 21.187
201709 15.273 246.819 20.433
201712 16.256 246.524 21.775
201803 15.963 249.554 21.122
201806 16.583 251.989 21.731
201809 16.485 252.439 21.564
201812 17.367 251.233 22.827
201903 16.771 254.202 21.786
201906 17.595 256.143 22.683
201909 17.557 256.759 22.580
201912 18.834 256.974 24.202
202003 18.665 258.115 23.879
202006 19.989 257.797 25.604
202009 20.360 260.280 25.830
202012 21.097 260.474 26.745
202103 19.117 264.877 23.833
202106 20.033 271.696 24.348
202109 19.583 274.310 23.574
202112 20.561 278.802 24.352
202203 20.650 287.504 23.718
202206 20.867 296.311 23.254
202209 21.196 296.808 23.582
202212 22.606 296.797 25.151
202303 22.311 301.836 24.409
202306 24.933 305.109 26.984
202309 24.212 307.789 25.976
202312 24.854 306.746 26.755
202403 24.533 312.332 25.938
202406 25.799 314.175 27.116
202409 26.980 315.301 28.256
202412 30.407 315.605 31.814
202503 26.718 319.799 27.588
202506 28.927 322.561 29.613
202509 26.961 324.800 27.410
202512 28.531 324.054 29.073
202603 26.916 330.213 26.916

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 ₨24.53 mean?
Standard Chartered Bank (Pakistan) (KAR:SCBPL) has a Cyclically Adjusted Book per Share of ₨24.53 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 Standard Chartered Bank (Pakistan) and its competitors.
Is Standard Chartered Bank (Pakistan)'s Cyclically Adjusted Book per Share too high?
Standard Chartered Bank (Pakistan)'s current Cyclically Adjusted Book per Share is ₨24.53. Overall, Standard Chartered Bank (Pakistan) has a GF Score™ of 70/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Standard Chartered Bank (Pakistan)'s Cyclically Adjusted Book per Share compare to competitors?
Standard Chartered Bank (Pakistan)'s Cyclically Adjusted Book per Share of ₨24.53 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 Standard Chartered Bank (Pakistan) and its competitors. Standard Chartered Bank (Pakistan)'s current Cyclically Adjusted Book per Share is ₨24.53. 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 ₨35.85, compared to a current price of ₨66.45 — trading 85.4% above its estimated fair value. The current Cyclically Adjusted Book per Share is ₨24.53. Standard Chartered Bank (Pakistan)'s overall GF Score™ is 70/100 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 Standard Chartered Bank (Pakistan) (KAR:SCBPL), the current Cyclically Adjusted Book per Share is ₨24.53 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 ₨66.45 is trading 85.4% above its estimated GF Value™ of ₨35.85. GuruFocus considers Standard Chartered Bank (Pakistan) to be Significantly Overvalued.

Key valuation signals for KAR:SCBPL:

  • Cyclically Adjusted Book per Share: ₨24.53
  • GF Value™: ₨35.85 vs. price of ₨66.45 (85.4% above fair value)
  • GF Score™: 70/100 with 7 warning signs

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) Business Description

Address I.I.Chundrigarh Road, P.O. Box No. 5556, Karachi, PAK, 74000
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.
70GF Score

Get the complete analysis for KAR:SCBPL

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

₨66.45
Price
₨35.85
GF Value