Soneri Bank (KAR:SNBL) Cyclically Adjusted Book per Share: ₨24.24 (As of Mar. 2026)


KAR:SNBL Soneri Bank Ltd KAR:SNBL
72 GF Score
Price ₨24.00
GF Value ₨18.19
Valuation Significantly Overvalued
! 2 Warning Signs
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What is Soneri Bank Cyclically Adjusted Book per Share?

Soneri Bank KAR:SNBL +5.22% 72 Cyclically Adjusted Book per Share is ₨24.24 as of Mar. 2026. GuruFocus rates KAR:SNBL with a GF Score™ of 72/100 and a GF Value™ of ₨18.19 (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.

Soneri Bank's adjusted book value per share for the three months ended in Mar. 2026 was ₨30.557. 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 ₨24.24 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Soneri Bank's average Cyclically Adjusted Book Growth Rate was 7.20% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 6.00% 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 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 Soneri Bank was 6.90% per year. The lowest was 6.00% per year. And the median was 6.45% per year.

As of today (2026-07-08), Soneri Bank's current stock price is ₨24.00. Soneri Bank's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was ₨24.24. Soneri Bank's Cyclically Adjusted PB Ratio of today is 0.99.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Soneri Bank was 1.28. The lowest was 0.44. And the median was 0.55.


Soneri Bank  (KAR:SNBL) 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.

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

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=24.00/24.24
=0.99

* 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 Soneri Bank was 1.28. The lowest was 0.44. And the median was 0.55.


Be Aware

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


Soneri Bank Cyclically Adjusted Book per Share Related Terms


Soneri Bank Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Soneri 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.

Soneri Bank Cyclically Adjusted Book per Share Chart

Soneri 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 18.19 19.79 20.72 22.19 23.59

Soneri 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 22.62 23.02 23.37 23.59 24.24

KAR:SNBL vs PNC, USB: Cyclically Adjusted Book per Share Comparison

For the Banks - Regional subindustry, Soneri 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.


Soneri Bank Cyclically Adjusted PB Ratio vs Banks Industry

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

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


KAR:SNBL
72GF Score
Soneri Bank Ltd KAR:SNBL
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Soneri 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, Soneri 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)
=30.557/330.2130*330.2130
=30.557

Current CPI (Mar. 2026) = 330.2130.

Soneri Bank Quarterly Data

Book Value per Share CPI Adj_Book
201606 16.394 241.018 22.461
201609 16.566 241.428 22.658
201612 16.589 241.432 22.689
201703 15.614 243.801 21.148
201706 15.614 244.955 21.049
201709 15.530 246.819 20.777
201712 16.785 246.524 22.483
201803 16.537 249.554 21.882
201806 16.511 251.989 21.636
201809 16.484 252.439 21.563
201812 16.317 251.233 21.447
201903 16.123 254.202 20.944
201906 16.155 256.143 20.827
201909 16.839 256.759 21.656
201912 18.335 256.974 23.561
202003 18.549 258.115 23.730
202006 20.681 257.797 26.490
202009 19.862 260.280 25.199
202012 21.005 260.474 26.629
202103 19.795 264.877 24.678
202106 20.790 271.696 25.268
202109 20.653 274.310 24.862
202112 19.625 278.802 23.244
202203 18.447 287.504 21.187
202206 17.851 296.311 19.893
202209 19.109 296.808 21.260
202212 19.181 296.797 21.341
202303 18.703 301.836 20.461
202306 20.378 305.109 22.055
202309 22.650 307.789 24.300
202312 25.954 306.746 27.940
202403 24.340 312.332 25.733
202406 25.881 314.175 27.202
202409 27.713 315.301 29.024
202412 27.946 315.605 29.240
202503 26.522 319.799 27.386
202506 29.952 322.561 30.663
202509 30.154 324.800 30.657
202512 33.368 324.054 34.002
202603 30.557 330.213 30.557

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 ₨24.24 mean?
Soneri Bank (KAR:SNBL) has a Cyclically Adjusted Book per Share of ₨24.24 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 Soneri Bank and its competitors.
Is Soneri Bank's Cyclically Adjusted Book per Share too high?
Soneri Bank's current Cyclically Adjusted Book per Share is ₨24.24. Overall, Soneri 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 Soneri Bank's Cyclically Adjusted Book per Share compare to PNC and USB?
Soneri Bank's Cyclically Adjusted Book per Share of ₨24.24 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 Soneri Bank and its competitors. Soneri Bank's current Cyclically Adjusted Book per Share is ₨24.24. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Soneri Bank stock overvalued right now?
Based on GuruFocus' analysis, Soneri Bank (KAR:SNBL) is currently considered Significantly Overvalued. The stock's GF Value™ is ₨18.19, compared to a current price of ₨24.00 — trading 31.9% above its estimated fair value. The current Cyclically Adjusted Book per Share is ₨24.24. Soneri Bank's overall GF Score™ is 72/100 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 Soneri Bank (KAR:SNBL), the current Cyclically Adjusted Book per Share is ₨24.24 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 Soneri Bank (KAR:SNBL) Overvalued in 2026?

Based on GuruFocus' analysis, Soneri Bank stock appears to be overvalued. The current stock price of ₨24.00 is trading 31.9% above its estimated GF Value™ of ₨18.19. GuruFocus considers Soneri Bank to be Significantly Overvalued.

Key valuation signals for KAR:SNBL:

  • Cyclically Adjusted Book per Share: ₨24.24
  • GF Value™: ₨18.19 vs. price of ₨24.00 (31.9% above fair value)
  • GF Score™: 72/100 with 2 warning signs

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


Soneri Bank Business Description

Address 307-Upper Mall Scheme, 2nd Floor, Lahore, PB, PAK, 54000
Soneri Bank Ltd provides banking services. It is involved in the activities of Retail Banking; Corporate and Investment Banking; Islamic Banking and Foreign Exchange Services. It offers fixed income, equity, foreign exchanges, lending, and repo services. It also offers financing, deposits, and services to corporate customers including services about mergers and acquisition and IPOs. The business segments of the bank are Corporate finance, Islamic, Trading and sales, Retail Banking and others.
72GF Score

Get the complete analysis for KAR:SNBL

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

₨24.00
Price
₨18.19
GF Value