EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, BankIslami Pakistan's Enterprise Value is ₨-6,633 Mil.
BankIslami Pakistan's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was ₨-15,618 Mil. Therefore, BankIslami Pakistan's EV-to-FCF for today is 0.42.
The historical rank and industry rank for BankIslami Pakistan's EV-to-FCF or its related term are showing as below:
KAR:BIPL'
s EV-to-FCF Range Over the Past 10 Years
Min: -3.09 Med: -0.15 Max: 10.1
Current: 0.4
During the past 13 years, the highest EV-to-FCF of BankIslami Pakistan was 10.10. The lowest was -3.09. And the median was -0.15.
KAR:BIPL's EV-to-FCF is ranked better than 81.78% of 1191
companies
in the Banks industry
Industry Median: 6.57
vs KAR:BIPL: 0.40
EV-to-FCF 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-FCF 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.
BankIslami Pakistan's PE Ratio (TTM) for today is calculated as:
BankIslami Pakistan's share price for today is ₨28.16.
BankIslami Pakistan's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₨3.882.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
BankIslami Pakistan EV-to-FCF Related Terms
BankIslami Pakistan EV-to-FCF Historical Data
* Premium members only.
The historical data trend for BankIslami Pakistan's EV-to-FCF 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, BankIslami Pakistan's EV-to-FCF, along with its competitors' market caps and EV-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.
BankIslami Pakistan EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, BankIslami Pakistan's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where BankIslami Pakistan's EV-to-FCF falls into.
BankIslami Pakistan's current Enterprise Value is ₨-6,633 Mil.
BankIslami Pakistan's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₨-15,618 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.
BankIslami Pakistan (KAR:BIPL) has a EV-to-FCF of 0.42 as of Jul. 09, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on BankIslami Pakistan and its competitors. According to the industry distribution chart, BankIslami Pakistan ranks #217 out of 1191 companies in the Banks industry, placing it in the top 18.2%.
Is BankIslami Pakistan's EV-to-FCF too high?
BankIslami Pakistan's current EV-to-FCF is 0.42. The Banks industry median EV-to-FCF is 6.57. BankIslami Pakistan's value of 0.42 is 93.6% below this industry median. Based on the distribution chart, BankIslami Pakistan ranks #217 out of 1191 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, BankIslami Pakistan has a GF Score™ of 64/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does BankIslami Pakistan's EV-to-FCF compare to PNC and USB?
According to the Banks industry distribution chart, BankIslami Pakistan ranks #217 out of 1191 companies for EV-to-FCF. This places BankIslami Pakistan in the top 18% of its industry — outperforming the majority of peers. The industry median EV-to-FCF is 6.57. BankIslami Pakistan's value of 0.42 is 93.6% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.57, based on 1,191 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. BankIslami Pakistan's current EV-to-FCF of 0.42 is 93.6% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on BankIslami Pakistan and its competitors. For the Banks industry, the median EV-to-FCF is 6.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BankIslami Pakistan's current EV-to-FCF is 0.42. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BankIslami Pakistan stock overvalued right now?
Based on GuruFocus' analysis, BankIslami Pakistan (KAR:BIPL) is currently considered Modestly Overvalued. The stock's GF Value™ is ₨24.58, compared to a current price of ₨28.16 — trading 14.6% above its estimated fair value. The current EV-to-FCF is 0.42 and 93.6% below the Banks industry median of 6.57. BankIslami Pakistan's overall GF Score™ is 64/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For BankIslami Pakistan (KAR:BIPL), the current EV-to-FCF is 0.42 as of Jul. 09, 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 BankIslami Pakistan (KAR:BIPL) Overvalued in 2026?
Based on GuruFocus' analysis, BankIslami Pakistan stock appears to be overvalued.
The current stock price of ₨28.16 is trading 14.6% above its estimated GF Value™ of ₨24.58.
GuruFocus considers BankIslami Pakistan to be Modestly Overvalued.
Key valuation signals for KAR:BIPL:
EV-to-FCF: 0.42
GF Value™: ₨24.58 vs. price of ₨28.16 (14.6% above fair value)
Industry Position: 93.6% below the Banks median (#217 of 1191)
No single metric tells the full story. See the KAR:BIPL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
BankIslami Pakistan Ltd provides various banking products and services in Pakistan. The Bank's segments include Trading and Sales including equity, foreign exchanges, commodities, money market placements, and Shariah-compliant debt investments; Retail Banking includes retail Islamic financing and related assets, deposits, and banking services offered to the Bank's retail customers; and Commercial Banking includes investment banking business, trade business and Islamic financing and related assets relating to the Bank's corporate, SME and agriculture customers; and Support Centre segment includes the assets and liabilities relating to support functions at Head Office and their related income and expenses. The Majority of revenue derives from the Retail Banking segment. Operates in Pakistan.
64GF Score
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EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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