Standard Chartered Bank (Pakistan) (KAR:SCBPL) Cyclically Adjusted FCF per Share: ₨6.83 (As of Mar. 2026)


KAR:SCBPL Standard Chartered Bank (Pakistan) Ltd KAR:SCBPL
73 GF Score
Price ₨66.06
GF Value ₨35.91
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Standard Chartered Bank (Pakistan) Cyclically Adjusted FCF per Share?

Standard Chartered Bank (Pakistan) KAR:SCBPL -0.17% 73 Cyclically Adjusted FCF per Share is ₨6.83 as of Mar. 2026. GuruFocus rates KAR:SCBPL with a GF Score™ of 73/100 and a GF Value™ of ₨35.91 (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.

Standard Chartered Bank (Pakistan)'s adjusted free cash flow per share for the three months ended in Mar. 2026 was ₨6.627. 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 ₨6.83 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Standard Chartered Bank (Pakistan)'s average Cyclically Adjusted FCF Growth Rate was 14.60% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was -24.00% 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 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 Standard Chartered Bank (Pakistan) was -12.80% per year. The lowest was -24.00% per year. And the median was -18.40% per year.

As of today (2026-07-05), Standard Chartered Bank (Pakistan)'s current stock price is ₨66.06. Standard Chartered Bank (Pakistan)'s Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was ₨6.83. Standard Chartered Bank (Pakistan)'s Cyclically Adjusted Price-to-FCF of today is 9.67.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Standard Chartered Bank (Pakistan) was 13.27. The lowest was 1.36. And the median was 3.18.


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

Standard Chartered Bank (Pakistan)'s Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=66.06/6.83
=9.67

* 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 Standard Chartered Bank (Pakistan) was 13.27. The lowest was 1.36. And the median was 3.18.


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.


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


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

* Premium members only.

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

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

Standard Chartered Bank (Pakistan) 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 12.16 13.92 7.69 8.06 6.12

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 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 5.96 5.94 5.89 6.12 6.83

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

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


Standard Chartered Bank (Pakistan) Cyclically Adjusted Price-to-FCF vs Banks Industry

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

* The bar in red indicates where Standard Chartered Bank (Pakistan)'s Cyclically Adjusted Price-to-FCF falls into.


KAR:SCBPL
73GF Score
Standard Chartered Bank (Pakistan) Ltd KAR:SCBPL
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Standard Chartered Bank (Pakistan) 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, Standard Chartered Bank (Pakistan)'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)
=6.627/330.2130*330.2130
=6.627

Current CPI (Mar. 2026) = 330.2130.

Standard Chartered Bank (Pakistan) Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 1.144 241.018 1.567
201609 7.065 241.428 9.663
201612 1.413 241.432 1.933
201703 2.336 243.801 3.164
201706 -4.395 244.955 -5.925
201709 7.193 246.819 9.623
201712 0.521 246.524 0.698
201803 -4.366 249.554 -5.777
201806 6.056 251.989 7.936
201809 -0.500 252.439 -0.654
201812 3.937 251.233 5.175
201903 -29.171 254.202 -37.894
201906 27.221 256.143 35.093
201909 -6.399 256.759 -8.230
201912 4.423 256.974 5.684
202003 2.163 258.115 2.767
202006 16.387 257.797 20.990
202009 7.467 260.280 9.473
202012 -1.839 260.474 -2.331
202103 2.152 264.877 2.683
202106 12.024 271.696 14.614
202109 0.048 274.310 0.058
202112 12.042 278.802 14.263
202203 -6.075 287.504 -6.977
202206 14.588 296.311 16.257
202209 17.674 296.808 19.663
202212 -3.266 296.797 -3.634
202303 -24.382 301.836 -26.674
202306 24.631 305.109 26.658
202309 8.896 307.789 9.544
202312 -66.797 306.746 -71.907
202403 81.039 312.332 85.678
202406 -64.654 314.175 -67.954
202409 -2.565 315.301 -2.686
202412 -3.298 315.605 -3.451
202503 -10.016 319.799 -10.342
202506 1.846 322.561 1.890
202509 7.052 324.800 7.170
202512 3.809 324.054 3.881
202603 6.627 330.213 6.627

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 ₨6.83 mean?
Standard Chartered Bank (Pakistan) (KAR:SCBPL) has a Cyclically Adjusted FCF per Share of ₨6.83 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 Standard Chartered Bank (Pakistan) and its competitors.
Is Standard Chartered Bank (Pakistan)'s Cyclically Adjusted FCF per Share too high?
Standard Chartered Bank (Pakistan)'s current Cyclically Adjusted FCF per Share is ₨6.83. Overall, Standard Chartered Bank (Pakistan) has a GF Score™ of 73/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Standard Chartered Bank (Pakistan)'s Cyclically Adjusted FCF per Share compare to competitors?
Standard Chartered Bank (Pakistan)'s Cyclically Adjusted FCF per Share of ₨6.83 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 Standard Chartered Bank (Pakistan) and its competitors. Standard Chartered Bank (Pakistan)'s current Cyclically Adjusted FCF per Share is ₨6.83. 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 ₨35.91, compared to a current price of ₨66.06 — trading 84% above its estimated fair value. The current Cyclically Adjusted FCF per Share is ₨6.83. Standard Chartered Bank (Pakistan)'s overall GF Score™ is 73/100 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 Standard Chartered Bank (Pakistan) (KAR:SCBPL), the current Cyclically Adjusted FCF per Share is ₨6.83 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 ₨66.06 is trading 84% above its estimated GF Value™ of ₨35.91. GuruFocus considers Standard Chartered Bank (Pakistan) to be Significantly Overvalued.

Key valuation signals for KAR:SCBPL:

  • Cyclically Adjusted FCF per Share: ₨6.83
  • GF Value™: ₨35.91 vs. price of ₨66.06 (84% above fair value)
  • GF Score™: 73/100 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.
73GF Score

Get the complete analysis for KAR:SCBPL

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

₨66.06
Price
₨35.91
GF Value