Soneri Bank (KAR:SNBL) EV-to-OCF: -0.52 (As of Sep. 14, 2026)

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Director of Data and Quant Analytics at GuruFocus
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Founder & CEO of GuruFocus
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KAR:SNBL Soneri Bank Ltd KAR:SNBL
69 GF Score
Price ₨19.88
GF Value ₨18.14
Valuation Fairly Valued
! 2 Warning Signs
View Full Analysis

What is Soneri Bank EV-to-OCF?

Soneri Bank KAR:SNBL -1.00% 69 EV-to-OCF is -0.52 as of Sep. 14, 2026. GuruFocus rates KAR:SNBL with a GF Score™ of 69/100 and a GF Value™ of ₨18.14 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,487 Banks companies, Soneri Bank ranks better than 72.97% on this metric.

EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Soneri Bank's Enterprise Value is ₨-13,626 Mil. Soneri Bank's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was ₨26,192 Mil. Therefore, Soneri Bank's EV-to-OCF for today is -0.52.

The historical rank and industry rank for Soneri Bank's EV-to-OCF or its related term are showing as below:

KAR:SNBL' s EV-to-OCF Range Over the Past 10 Years
Min: -2.16   Med: -0.01   Max: 3.3
Current: -0.52

During the past 13 years, the highest EV-to-OCF of Soneri Bank was 3.30. The lowest was -2.16. And the median was -0.01.

KAR:SNBL's EV-to-OCF is ranked better than
72.97% of 1487 companies
in the Banks industry
Industry Median: 4.08 vs KAR:SNBL: -0.52

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.

As of today (2026-09-14), Soneri Bank's stock price is ₨19.88. Soneri Bank's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 was ₨4.043. Therefore, Soneri Bank's PE Ratio (TTM) for today is 4.92.


Soneri Bank  (KAR:SNBL) EV-to-OCF Explanation

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.

Soneri Bank's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=19.88/4.043
=4.92

Soneri Bank's share price for today is ₨19.88.
Soneri Bank'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 ₨4.043.

* 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.


Soneri Bank EV-to-OCF Related Terms


Soneri Bank EV-to-OCF Historical Data

* Premium members only.

The historical data trend for Soneri Bank'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.

Soneri Bank EV-to-OCF Chart

Soneri Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EV-to-OCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.30 0.08 -0.98 -0.21 0.10

Soneri Bank Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
EV-to-OCF 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 -0.22 0.01 0.10 -0.17 -0.40

KAR:SNBL vs USB, PNC: EV-to-OCF Comparison

For the Banks - Regional subindustry, Soneri Bank'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.


Soneri Bank EV-to-OCF vs Banks Industry

For the Banks industry and Financial Services sector, Soneri Bank's EV-to-OCF distribution charts can be found below:

* The bar in red indicates where Soneri Bank's EV-to-OCF falls into.


KAR:SNBL
69GF Score
Soneri Bank Ltd KAR:SNBL
EV-to-OCF is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Soneri Bank EV-to-OCF Calculation

Soneri Bank's EV-to-OCF for today is calculated as:

EV-to-OCF=Enterprise Value (Today)/Cash Flow from Operations (TTM)
=-13625.868/26191.873
=-0.52

Soneri Bank's current Enterprise Value is ₨-13,626 Mil.
Soneri Bank'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 ₨26,192 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.

Frequently Asked Questions Learn more about EV-to-OCF →
What does a EV-to-OCF of -0.52 mean?
Soneri Bank (KAR:SNBL) has a EV-to-OCF of -0.52 as of Sep. 14, 2026. According to the industry distribution chart, Soneri Bank ranks #402 out of 1487 companies in the Banks industry, placing it in the top 27%.
Is Soneri Bank's EV-to-OCF too high?
Soneri Bank's current EV-to-OCF is -0.52. Based on the distribution chart, Soneri Bank ranks #402 out of 1487 companies in the Banks industry, which is above the industry midpoint. Overall, Soneri Bank has a GF Score™ of 69/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Soneri Bank's EV-to-OCF compare to USB and PNC?
According to the Banks industry distribution chart, Soneri Bank ranks #402 out of 1487 companies for EV-to-OCF. This puts Soneri Bank in the upper half of its industry. The industry median EV-to-OCF is 4.08. 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 4.08, based on 1,487 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. 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 4.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Soneri Bank's current EV-to-OCF is -0.52. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Soneri Bank stock overvalued right now?
Based on GuruFocus' analysis, Soneri Bank (KAR:SNBL) is currently considered Fairly Valued. The stock's GF Value™ is ₨18.14, compared to a current price of ₨19.88 — trading 9.6% above its estimated fair value. The current EV-to-OCF is -0.52. Soneri Bank's overall GF Score™ is 69/100 with 2 warning signs 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 Soneri Bank (KAR:SNBL), the current EV-to-OCF is -0.52 as of Sep. 14, 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 Soneri Bank (KAR:SNBL) Overvalued in 2026?

Based on GuruFocus' analysis, Soneri Bank stock appears to be overvalued. The current stock price of ₨19.88 is trading 9.6% above its estimated GF Value™ of ₨18.14. GuruFocus considers Soneri Bank to be Fairly Valued.

Key valuation signals for KAR:SNBL:

  • EV-to-OCF: -0.52
  • GF Value™: ₨18.14 vs. price of ₨19.88 (9.6% above fair value)
  • GF Score™: 69/100 with 2 warning signs

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


Soneri Bank Business Description

Address 307-Upper Mall Scheme, 2nd Floor, Lahore, PB, PAK, 54000
Soneri Bank Ltd provides banking services. It is involved in the activities of Retail Banking; Corporate and Investment Banking; Islamic Banking and Foreign Exchange Services. It offers fixed income, equity, foreign exchanges, lending, and repo services. It also offers financing, deposits, and services to corporate customers including services about mergers and acquisition and IPOs. The business segments of the bank are Corporate finance, Islamic, Trading and sales, Retail Banking and others.
69GF Score

Get the complete analysis for KAR:SNBL

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

₨19.88
Price
₨18.14
GF Value