Soneri Bank (KAR:SNBL) GF Score: 70/100 (As of Jul. 11, 2026) — 23% Above Median


KAR:SNBL Soneri Bank Ltd KAR:SNBL
70 GF Score
Price ₨25.22
GF Value ₨18.22
Valuation Significantly Overvalued
! 2 Warning Signs
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What is Soneri Bank GF Score?

Soneri Bank KAR:SNBL +6.10% 70 GF Score is 70 as of Jul. 11, 2026, which is 23% above its 10-year median of 57.00. GuruFocus rates KAR:SNBL with a GF Score™ of 70/100 and a GF Value™ of ₨18.22 (Significantly Overvalued). The stock has 2 warning signs investors should review.

Soneri Bank has the GF Score of 70, which implies that the company might have Poor future performance potential.

The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.

GF Score takes following five key aspects into consideration:

1. Financial Strength : 1/10
2. Profitability Rank : 6/10
3. Growth Rank : 8/10
4. GF Value Rank : 6/10
5. Momentum Rank : 0/10

Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.

Based on research and backtesting result, GuruFocus believes Soneri Bank might have Poor future performance potential.

Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.

Soneri Bank  (KAR:SNBL) GF Score Explanation

Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:

GF Score Performance Potential and All-in-One Screener Examples (1)
91 - 100Highest outperformance potential
81 - 90Good outperformance potential
71 - 80Likely to have average performance
51 - 70Poor future performance potential
0 - 50Worst future performance potential, or not enough data

(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.

Soneri Bank GF Score Related Terms

KAR:SNBL vs PNC, USB: GF Score Comparison

For the Banks - Regional subindustry, Soneri Bank's GF Score, along with its competitors' market caps and GF Score 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 GF Score vs Banks Industry

For the Banks industry and Financial Services sector, Soneri Bank's GF Score distribution charts can be found below:

* The bar in red indicates where Soneri Bank's GF Score falls into.


KAR:SNBL
70GF Score
Soneri Bank Ltd KAR:SNBL
GF Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about GF Score →
What does a GF Score of 70 mean?
Soneri Bank (KAR:SNBL) has a GF Score of 70 as of Jul. 11, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Soneri Bank and its competitors. This is 23% above median its historical median of 57.00. Over the past decade, Soneri Bank's GF Score has ranged from 29.00 to 86.00.
Is Soneri Bank's GF Score too high?
Soneri Bank's current GF Score of 70 is 23% above median its 10-year median of 57.00. Over the past 10 years, this metric has ranged from a low of 29.00 to a high of 86.00. Overall, Soneri Bank has a GF Score™ of 70/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Soneri Bank's GF Score compare to PNC and USB?
Soneri Bank's GF Score of 70 can be compared against companies in the Banks industry. Historically, Soneri Bank's own GF Score has ranged from 29.00 to 86.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for a Banks company?
A good GF Score depends on the Banks industry context. However, GF Score 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 GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Soneri Bank and its competitors. Soneri Bank's current GF Score is 70, which is 23% above median its own 10-year median of 57.00. 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 Significantly Overvalued. The stock's GF Value™ is ₨18.22, compared to a current price of ₨25.22 — trading 38.4% above its estimated fair value. The current GF Score is 70, which is 23% above median its 10-year median of 57.00. Soneri Bank's overall GF Score™ is 70/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Score calculated?
GF Score is calculated from a company's financial statements. For Soneri Bank (KAR:SNBL), the current GF Score is 70 as of Jul. 11, 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 ₨25.22 is trading 38.4% above its estimated GF Value™ of ₨18.22. GuruFocus considers Soneri Bank to be Significantly Overvalued.

Key valuation signals for KAR:SNBL:

  • GF Score: 70 (23% above median its 10-year median of 57.00)
  • GF Value™: ₨18.22 vs. price of ₨25.22 (38.4% above fair value)
  • GF Score™: 70/100 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.
70GF Score

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

₨25.22
Price
₨18.22
GF Value