Faysal Bank (KAR:FABL) Cyclically Adjusted FCF per Share: ₨50.79 (As of Mar. 2026)

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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

KAR:FABL Faysal Bank Ltd KAR:FABL
72 GF Score
Price ₨100.10
GF Value ₨54.88
Valuation Significantly Overvalued
! 7 Warning Signs
View Full Analysis

What is Faysal Bank Cyclically Adjusted FCF per Share?

Faysal Bank KAR:FABL -0.36% 72 Cyclically Adjusted FCF per Share is ₨50.79 as of Mar. 2026. GuruFocus rates KAR:FABL with a GF Score™ of 72/100 and a GF Value™ of ₨54.88 (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 FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Faysal Bank's adjusted free cash flow per share for the three months ended in Mar. 2026 was ₨28.454. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is ₨50.79 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Faysal Bank's average Cyclically Adjusted FCF Growth Rate was 7.00% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 9.80% 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 FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Faysal Bank was 26.10% per year. The lowest was 9.80% per year. And the median was 17.95% per year.

As of today (2026-07-23), Faysal Bank's current stock price is ₨100.10. Faysal Bank's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was ₨50.79. Faysal Bank's Cyclically Adjusted Price-to-FCF of today is 1.97.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Faysal Bank was 2.35. The lowest was 0.58. And the median was 1.00.


Faysal Bank  (KAR:FABL) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF 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 Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Faysal Bank's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=100.10/50.79
=1.97

* 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 Price-to-FCF of Faysal Bank was 2.35. The lowest was 0.58. And the median was 1.00.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Faysal Bank Cyclically Adjusted FCF per Share Related Terms


Faysal Bank Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Faysal Bank's Cyclically Adjusted FCF 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 FCF per Share Chart

Faysal Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 24.12 32.27 40.42 48.39 42.76

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 FCF 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 47.47 45.34 46.58 42.76 50.79

Faysal Bank Cyclically Adjusted FCF per Share Competitor Comparison

For the Banks - Regional subindustry, Faysal Bank's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF 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 Price-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Faysal Bank's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Faysal Bank's Cyclically Adjusted Price-to-FCF falls into.


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

Faysal Bank Cyclically Adjusted FCF 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 FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

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

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow 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 FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF 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 Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=28.454/330.2130*330.2130
=28.454

Current CPI (Mar. 2026) = 330.2130.

Faysal Bank Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 34.525 241.018 47.302
201609 -37.501 241.428 -51.292
201612 27.740 241.432 37.941
201703 -5.167 243.801 -6.998
201706 -1.496 244.955 -2.017
201709 -12.042 246.819 -16.111
201712 6.792 246.524 9.098
201803 -11.671 249.554 -15.443
201806 26.478 251.989 34.697
201809 -37.467 252.439 -49.010
201812 50.360 251.233 66.192
201903 -42.909 254.202 -55.740
201906 37.483 256.143 48.322
201909 5.242 256.759 6.742
201912 2.544 256.974 3.269
202003 -0.239 258.115 -0.306
202006 21.048 257.797 26.960
202009 25.974 260.280 32.953
202012 18.611 260.474 23.594
202103 -4.623 264.877 -5.763
202106 4.356 271.696 5.294
202109 33.505 274.310 40.333
202112 18.270 278.802 21.639
202203 13.096 287.504 15.041
202206 20.027 296.311 22.318
202209 18.188 296.808 20.235
202212 39.816 296.797 44.299
202303 7.253 301.836 7.935
202306 23.197 305.109 25.106
202309 39.635 307.789 42.523
202312 25.061 306.746 26.978
202403 49.828 312.332 52.681
202406 -10.179 314.175 -10.699
202409 20.868 315.301 21.855
202412 18.359 315.605 19.209
202503 18.177 319.799 18.769
202506 -0.917 322.561 -0.939
202509 3.792 324.800 3.855
202512 -30.767 324.054 -31.352
202603 28.454 330.213 28.454

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of ₨50.79 mean?
Faysal Bank (KAR:FABL) has a Cyclically Adjusted FCF per Share of ₨50.79 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Faysal Bank and its competitors.
Is Faysal Bank's Cyclically Adjusted FCF per Share too high?
Faysal Bank's current Cyclically Adjusted FCF per Share is ₨50.79. 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 FCF per Share compare to competitors?
Faysal Bank's Cyclically Adjusted FCF per Share of ₨50.79 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 FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF 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 FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Faysal Bank and its competitors. Faysal Bank's current Cyclically Adjusted FCF per Share is ₨50.79. 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 ₨54.88, compared to a current price of ₨100.10 — trading 82.4% above its estimated fair value. The current Cyclically Adjusted FCF per Share is ₨50.79. 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 FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Faysal Bank (KAR:FABL), the current Cyclically Adjusted FCF per Share is ₨50.79 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 ₨100.10 is trading 82.4% above its estimated GF Value™ of ₨54.88. GuruFocus considers Faysal Bank to be Significantly Overvalued.

Key valuation signals for KAR:FABL:

  • Cyclically Adjusted FCF per Share: ₨50.79
  • GF Value™: ₨54.88 vs. price of ₨100.10 (82.4% 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 FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₨100.10
Price
₨54.88
GF Value