Bank AL Habib (KAR:BAHL) E10: ₨20.87 (As of Mar. 2026)


KAR:BAHL Bank AL Habib Ltd KAR:BAHL
65 GF Score
Price ₨167.95
GF Value ₨115.83
Valuation Significantly Overvalued
! 3 Warning Signs
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What is Bank AL Habib E10?

Bank AL Habib KAR:BAHL 65 E10 is ₨20.87 as of Mar. 2026. GuruFocus rates KAR:BAHL with a GF Score™ of 65/100 and a GF Value™ of ₨115.83 (Significantly Overvalued). The stock has 3 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Bank AL Habib's adjusted earnings per share data for the three months ended in Mar. 2026 was ₨6.540. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is ₨20.87 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Bank AL Habib's average E10 Growth Rate was 12.00% per year. During the past 3 years, the average E10 Growth Rate was 21.50% per year. During the past 5 years, the average E10 Growth Rate was 20.30% 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 E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Bank AL Habib was 22.10% per year. The lowest was 19.80% per year. And the median was 21.50% per year.

As of today (2026-06-29), Bank AL Habib's current stock price is ₨167.95. Bank AL Habib's E10 for the quarter that ended in Mar. 2026 was ₨20.87. Bank AL Habib's Shiller PE Ratio of today is 8.05.

During the past 13 years, the highest Shiller PE Ratio of Bank AL Habib was 10.63. The lowest was 3.29. And the median was 7.20.


Bank AL Habib  (KAR:BAHL) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Bank AL Habib's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=167.95/20.87
=8.05

* 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 Shiller P/E Ratio of Bank AL Habib was 10.63. The lowest was 3.29. And the median was 7.20.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Bank AL Habib E10 Related Terms


Bank AL Habib E10 Historical Data

* Premium members only.

The historical data trend for Bank AL Habib's E10 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 E10 Chart

Bank AL Habib Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 9.70 11.23 14.24 17.64 20.15

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
E10 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 18.64 19.42 19.93 20.15 20.87

Bank AL Habib E10 Competitor Comparison

For the Banks - Regional subindustry, Bank AL Habib's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio vs Banks Industry

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

* The bar in red indicates where Bank AL Habib's Shiller PE Ratio falls into.


KAR:BAHL
65GF Score
Bank AL Habib Ltd KAR:BAHL
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Bank AL Habib E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=6.54/330.2130*330.2130
=6.540

Current CPI (Mar. 2026) = 330.2130.

Bank AL Habib Quarterly Data

per share eps CPI Adj_EPS
201606 1.130 241.018 1.548
201609 1.490 241.428 2.038
201612 2.440 241.432 3.337
201703 2.080 243.801 2.817
201706 1.900 244.955 2.561
201709 1.660 246.819 2.221
201712 2.020 246.524 2.706
201803 1.860 249.554 2.461
201806 1.930 251.989 2.529
201809 1.550 252.439 2.028
201812 2.260 251.233 2.970
201903 1.850 254.202 2.403
201906 2.150 256.143 2.772
201909 2.300 256.759 2.958
201912 3.770 256.974 4.844
202003 2.560 258.115 3.275
202006 3.960 257.797 5.072
202009 5.390 260.280 6.838
202012 4.240 260.474 5.375
202103 4.170 264.877 5.199
202106 4.050 271.696 4.922
202109 4.430 274.310 5.333
202112 4.080 278.802 4.832
202203 4.450 287.504 5.111
202206 4.190 296.311 4.669
202209 4.890 296.808 5.440
202212 1.490 296.797 1.658
202303 9.560 301.836 10.459
202306 6.826 305.109 7.388
202309 10.240 307.789 10.986
202312 5.700 306.746 6.136
202403 9.220 312.332 9.748
202406 9.990 314.175 10.500
202409 11.470 315.301 12.012
202412 6.750 315.605 7.062
202503 9.650 319.799 9.964
202506 8.200 322.561 8.395
202509 6.190 324.800 6.293
202512 5.200 324.054 5.299
202603 6.540 330.213 6.540

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of ₨20.87 mean?
Bank AL Habib (KAR:BAHL) has a E10 of ₨20.87 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Bank AL Habib and its competitors.
Is Bank AL Habib's E10 too high?
Bank AL Habib's current E10 is ₨20.87. Overall, Bank AL Habib has a GF Score™ of 65/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank AL Habib's E10 compare to competitors?
Bank AL Habib's E10 of ₨20.87 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 E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Bank AL Habib and its competitors. Bank AL Habib's current E10 is ₨20.87. 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 ₨115.83, compared to a current price of ₨167.95 — trading 45% above its estimated fair value. The current E10 is ₨20.87. Bank AL Habib's overall GF Score™ is 65/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Bank AL Habib (KAR:BAHL), the current E10 is ₨20.87 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 ₨167.95 is trading 45% above its estimated GF Value™ of ₨115.83. GuruFocus considers Bank AL Habib to be Significantly Overvalued.

Key valuation signals for KAR:BAHL:

  • E10: ₨20.87
  • GF Value™: ₨115.83 vs. price of ₨167.95 (45% above fair value)
  • GF Score™: 65/100 with 3 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.
65GF Score

Get the complete analysis for KAR:BAHL

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₨167.95
Price
₨115.83
GF Value