Bank AL Habib (KAR:BAHL) Cyclically Adjusted Revenue per Share: ₨91.47 (As of Mar. 2026)

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KAR:BAHL Bank AL Habib Ltd KAR:BAHL
61 GF Score
Price ₨169.32
GF Value ₨117.67
Valuation Significantly Overvalued
! 4 Warning Signs
View Full Analysis

What is Bank AL Habib Cyclically Adjusted Revenue per Share?

Bank AL Habib KAR:BAHL +0.09% 61 Cyclically Adjusted Revenue per Share is ₨91.47 as of Mar. 2026. GuruFocus rates KAR:BAHL with a GF Score™ of 61/100 and a GF Value™ of ₨117.67 (Significantly Overvalued). The stock has 4 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 Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

Bank AL Habib's adjusted revenue per share for the three months ended in Mar. 2026 was ₨35.595. Add all the adjusted revenue per share for the past 10 years together and divide the count will get our Cyclically Adjusted Revenue per Share, which is ₨91.47 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Bank AL Habib's average Cyclically Adjusted Revenue Growth Rate was 17.00% per year. During the past 3 years, the average Cyclically Adjusted Revenue Growth Rate was 23.90% per year. During the past 5 years, the average Cyclically Adjusted Revenue Growth Rate was 23.30% 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 Revenue Growth Rate using Cyclically Adjusted Revenue per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Revenue Growth Rate of Bank AL Habib was 25.80% per year. The lowest was 22.40% per year. And the median was 23.90% per year.

As of today (2026-07-27), Bank AL Habib's current stock price is ₨169.32. Bank AL Habib's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2026 was ₨91.47. Bank AL Habib's Cyclically Adjusted PS Ratio of today is 1.85.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Bank AL Habib was 2.52. The lowest was 0.82. And the median was 1.78.


Bank AL Habib  (KAR:BAHL) Cyclically Adjusted Revenue per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Revenue per Share may underestimate the company's revenue. Cyclically Adjusted PS Ratio can seem to be too high even the actual PS Ratio is low.

For the Cyclically Adjusted PS Ratio, the revenue per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/S calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PS Ratio is also called CAPS 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 PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

Bank AL Habib's Cyclically Adjusted PS Ratio of today is calculated as

Cyclically Adjusted PS Ratio=Share Price/Cyclically Adjusted Revenue per Share
=169.32/91.47
=1.85

* 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 PS Ratio of Bank AL Habib was 2.52. The lowest was 0.82. And the median was 1.78.


Be Aware

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


Bank AL Habib Cyclically Adjusted Revenue per Share Related Terms


Bank AL Habib Cyclically Adjusted Revenue per Share Historical Data

* Premium members only.

The historical data trend for Bank AL Habib's Cyclically Adjusted Revenue 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.

Bank AL Habib Cyclically Adjusted Revenue per Share Chart

Bank AL Habib Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Revenue per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 37.25 45.81 58.74 74.23 87.19

Bank AL Habib Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Revenue 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 78.15 81.54 84.88 87.19 91.47

Bank AL Habib Cyclically Adjusted Revenue per Share Competitor Comparison

For the Banks - Regional subindustry, Bank AL Habib's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS 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.


Bank AL Habib Cyclically Adjusted PS Ratio vs Banks Industry

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

* The bar in red indicates where Bank AL Habib's Cyclically Adjusted PS Ratio falls into.


KAR:BAHL
61GF Score
Bank AL Habib Ltd KAR:BAHL
Cyclically Adjusted Revenue per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Bank AL Habib Cyclically Adjusted Revenue 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 Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

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

Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue 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 Revenue per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the revenue per share from 2001 through 2010.

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

Adj_RevenuePerShare= Revenue per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=35.595/330.2130*330.2130
=35.595

Current CPI (Mar. 2026) = 330.2130.

Bank AL Habib Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201606 6.904 241.018 9.459
201609 6.184 241.428 8.458
201612 6.923 241.432 9.469
201703 7.412 243.801 10.039
201706 8.500 244.955 11.458
201709 7.323 246.819 9.797
201712 7.020 246.524 9.403
201803 7.566 249.554 10.011
201806 8.729 251.989 11.439
201809 8.379 252.439 10.960
201812 9.362 251.233 12.305
201903 10.086 254.202 13.102
201906 11.031 256.143 14.221
201909 11.364 256.759 14.615
201912 12.048 256.974 15.482
202003 11.579 258.115 14.813
202006 16.042 257.797 20.548
202009 17.859 260.280 22.657
202012 14.229 260.474 18.039
202103 14.490 264.877 18.064
202106 15.510 271.696 18.850
202109 15.788 274.310 19.006
202112 16.637 278.802 19.705
202203 17.669 287.504 20.294
202206 21.412 296.311 23.862
202209 23.723 296.808 26.393
202212 18.254 296.797 20.309
202303 28.276 301.836 30.934
202306 28.468 305.109 30.810
202309 36.032 307.789 38.657
202312 41.909 306.746 45.115
202403 40.135 312.332 42.433
202406 39.685 314.175 41.711
202409 44.097 315.301 46.183
202412 40.702 315.605 42.586
202503 37.796 319.799 39.027
202506 36.345 322.561 37.207
202509 36.453 324.800 37.061
202512 33.996 324.054 34.642
202603 35.595 330.213 35.595

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

What does a Cyclically Adjusted Revenue per Share of ₨91.47 mean?
Bank AL Habib (KAR:BAHL) has a Cyclically Adjusted Revenue per Share of ₨91.47 as of Mar. 2026. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Bank AL Habib and its competitors.
Is Bank AL Habib's Cyclically Adjusted Revenue per Share too high?
Bank AL Habib's current Cyclically Adjusted Revenue per Share is ₨91.47. Overall, Bank AL Habib has a GF Score™ of 61/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank AL Habib's Cyclically Adjusted Revenue per Share compare to competitors?
Bank AL Habib's Cyclically Adjusted Revenue per Share of ₨91.47 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 Revenue per Share for a Banks company?
A good Cyclically Adjusted Revenue per Share depends on the Banks industry context. However, Cyclically Adjusted Revenue 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 Revenue per Share mean?
A high Cyclically Adjusted Revenue per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Bank AL Habib and its competitors. Bank AL Habib's current Cyclically Adjusted Revenue per Share is ₨91.47. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank AL Habib stock overvalued right now?
Based on GuruFocus' analysis, Bank AL Habib (KAR:BAHL) is currently considered Significantly Overvalued. The stock's GF Value™ is ₨117.67, compared to a current price of ₨169.32 — trading 43.9% above its estimated fair value. The current Cyclically Adjusted Revenue per Share is ₨91.47. Bank AL Habib's overall GF Score™ is 61/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Revenue per Share calculated?
Cyclically Adjusted Revenue per Share is calculated from a company's financial statements. For Bank AL Habib (KAR:BAHL), the current Cyclically Adjusted Revenue per Share is ₨91.47 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 Bank AL Habib (KAR:BAHL) Overvalued in 2026?

Based on GuruFocus' analysis, Bank AL Habib stock appears to be overvalued. The current stock price of ₨169.32 is trading 43.9% above its estimated GF Value™ of ₨117.67. GuruFocus considers Bank AL Habib to be Significantly Overvalued.

Key valuation signals for KAR:BAHL:

  • Cyclically Adjusted Revenue per Share: ₨91.47
  • GF Value™: ₨117.67 vs. price of ₨169.32 (43.9% above fair value)
  • GF Score™: 61/100 with 4 warning signs

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


Bank AL Habib Business Description

Address I.I. Chundrigar Road, 2nd Floor, Mackinnons Building, Karachi, SD, PAK
Bank AL Habib Ltd is a banking company in Pakistan. It provides banking services consisting of retail banking, current & savings accounts, credit cards, consumer banking products, provision of banking & other financial services to individual customers, small merchants & small-medium enterprises. The company also provides commercial banking such as banking services including treasury & international trade-related activities to large corporate customers, multinational companies, and government, & semi-government departments & institutions. Geographically, it operates in Pakistan, the Middle East & Asia- Pacific. The majority of revenue is from the Commercial banking segment.
61GF Score

Get the complete analysis for KAR:BAHL

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

₨169.32
Price
₨117.67
GF Value