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Bank AlfalahKAR:BAFL +0.67%60 EV-to-OCF is 0.07 as of Aug. 30, 2026, which is 133% above its 10-year median of 0.03. GuruFocus rates KAR:BAFL with a GF Score™ of 60/100 and a GF Value™ of ₨44.90 (Modestly Overvalued). The stock has 1 warning sign investors should review. Among 1,493 Banks companies, Bank Alfalah ranks better than 68.72% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Bank Alfalah's Enterprise Value is ₨35,013 Mil.
Bank Alfalah's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was ₨476,107 Mil. Therefore, Bank Alfalah's EV-to-OCF for today is 0.07.
The historical rank and industry rank for Bank Alfalah's EV-to-OCF or its related term are showing as below:
KAR:BAFL'
s EV-to-OCF Range Over the Past 10 Years
Min: -6.13 Med: 0.03 Max: 3.08
Current: 0.07
During the past 13 years, the highest EV-to-OCF of Bank Alfalah was 3.08. The lowest was -6.13. And the median was 0.03.
KAR:BAFL's EV-to-OCF is ranked better than 68.72% of 1493
companies
in the Banks industry
Industry Median: 3.89
vs KAR:BAFL: 0.07
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Bank Alfalah's PE Ratio (TTM) for today is calculated as:
Bank Alfalah's share price for today is ₨58.29.
Bank Alfalah's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₨9.125.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Bank Alfalah EV-to-OCF Related Terms
Bank Alfalah EV-to-OCF Historical Data
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The historical data trend for Bank Alfalah's EV-to-OCF 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.
For the Banks - Regional subindustry, Bank Alfalah's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 Alfalah EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Bank Alfalah's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Bank Alfalah's EV-to-OCF falls into.
Bank Alfalah's current Enterprise Value is ₨35,013 Mil.
Bank Alfalah's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₨476,107 Mil.
* 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 Alfalah (KAR:BAFL) has a EV-to-OCF of 0.07 as of Aug. 30, 2026. This is 133% above median its historical median of 0.03. According to the industry distribution chart, Bank Alfalah ranks #467 out of 1493 companies in the Banks industry, placing it in the top 31.3%.
Is Bank Alfalah's EV-to-OCF too high?
Bank Alfalah's current EV-to-OCF of 0.07 is 133% above median its 10-year median of 0.03. The Banks industry median EV-to-OCF is 3.89. Bank Alfalah's value of 0.07 is 98.2% below this industry median. Based on the distribution chart, Bank Alfalah ranks #467 out of 1493 companies in the Banks industry, which is above the industry midpoint. Overall, Bank Alfalah has a GF Score™ of 60/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank Alfalah's EV-to-OCF compare to competitors?
According to the Banks industry distribution chart, Bank Alfalah ranks #467 out of 1493 companies for EV-to-OCF. This puts Bank Alfalah in the upper half of its industry. The industry median EV-to-OCF is 3.89. Bank Alfalah's value of 0.07 is 98.2% below this benchmark. While the company's 10-year median is 0.03 vs. the industry median of 3.89, Bank Alfalah has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.89, based on 1,493 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank Alfalah's current EV-to-OCF of 0.07 is 98.2% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank Alfalah's current EV-to-OCF is 0.07, which is 133% above median its own 10-year median of 0.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank Alfalah stock overvalued right now?
Based on GuruFocus' analysis, Bank Alfalah (KAR:BAFL) is currently considered Modestly Overvalued. The stock's GF Value™ is ₨44.90, compared to a current price of ₨58.29 — trading 29.8% above its estimated fair value. The current EV-to-OCF is 0.07, which is 133% above median its 10-year median of 0.03 and 98.2% below the Banks industry median of 3.89. Bank Alfalah's overall GF Score™ is 60/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Bank Alfalah (KAR:BAFL), the current EV-to-OCF is 0.07 as of Aug. 30, 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 Alfalah (KAR:BAFL) Overvalued in 2026?
Based on GuruFocus' analysis, Bank Alfalah stock appears to be overvalued.
The current stock price of ₨58.29 is trading 29.8% above its estimated GF Value™ of ₨44.90.
GuruFocus considers Bank Alfalah to be Modestly Overvalued.
Key valuation signals for KAR:BAFL:
EV-to-OCF: 0.07 (133% above median its 10-year median of 0.03)
GF Value™: ₨44.90 vs. price of ₨58.29 (29.8% above fair value)
Industry Position: 98.2% below the Banks median (#467 of 1493)
No single metric tells the full story. See the KAR:BAFL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank Alfalah Ltd is a banking company that provides financial services to retail, corporate and public sector customers. The Bank offers products and services including loans, deposits, project and trade financing, investment banking, wealth management, credit cards, auto loans, housing finance and personal loans, money market, capital market and foreign exchange operations. It also provides digital banking services through mobile app, internet banking, ATMs and contact center. The Bank operates through the segments Retail Banking, Corporate Banking, Islamic (Domestic Operations), Treasury, Digital Banking, Overseas and Others, and operates in three geographical regions namely Pakistan, Asia Pacific (including South Asia) and the Middle East.
60GF Score
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