Bank Alfalah (KAR:BAFL) Margin of Safety % (DCF Earnings Based): 77.27% (As of Jun. 26, 2026)


KAR:BAFL Bank Alfalah Ltd KAR:BAFL
64 GF Score
Price ₨58.79
GF Value ₨37.10
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Bank Alfalah Margin of Safety % (DCF Earnings Based)?

Bank Alfalah KAR:BAFL -0.59% 64 Margin of Safety % (DCF Earnings Based) is 77.27% as of Jun. 26, 2026. GuruFocus rates KAR:BAFL with a GF Score™ of 64/100 and a GF Value™ of ₨37.10 (Significantly Overvalued). The stock has 6 warning signs investors should review.

Margin of Safety % (DCF Earnings Based) = (Intrinsic Value: DCF (Earnings Based) - Current Price) / Intrinsic Value: DCF (Earnings Based).

Note: Discounted Earnings model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-06-26), Bank Alfalah's Predictability Rank is 3.5-Stars. Bank Alfalah's intrinsic value calculated from the Discounted Earnings model is ₨258.66 and current share price is ₨58.79. Consequently,

Bank Alfalah's Margin of Safety % (DCF Earnings Based) using Discounted Earnings model is 77.27%.

Bank Alfalah Margin of Safety % (DCF Earnings Based) Competitor Comparison

For the Banks - Regional subindustry, Bank Alfalah's Margin of Safety % (DCF Earnings Based), along with its competitors' market caps and Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) vs Banks Industry

For the Banks industry and Financial Services sector, Bank Alfalah's Margin of Safety % (DCF Earnings Based) distribution charts can be found below:

* The bar in red indicates where Bank Alfalah's Margin of Safety % (DCF Earnings Based) falls into.


KAR:BAFL
64GF Score
Bank Alfalah Ltd KAR:BAFL
Margin of Safety % (DCF Earnings Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Bank Alfalah Margin of Safety % (DCF Earnings Based) Calculation

Bank Alfalah's Margin of Safety % (DCF Earnings Based) for today is calculated as

Margin of Safety % (DCF Earnings Based)=(Intrinsic Value: DCF (Earnings Based)-Current Price)/Intrinsic Value: DCF (Earnings Based)
=(258.66-58.79)/258.66
=77.27 %

* 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.

The intrinsic value is calculated from the Discounted Earnings model with default parameters. The calculation method is the same as Discounted Cash Flow model except earnings are used in the calculation instead of free cash flow.

What does a Margin of Safety % (DCF Earnings Based) of 77.27% mean?
Bank Alfalah (KAR:BAFL) has a Margin of Safety % (DCF Earnings Based) of 77.27% as of Jun. 26, 2026. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on Bank Alfalah.
Is Bank Alfalah's Margin of Safety % (DCF Earnings Based) too high?
Bank Alfalah's current Margin of Safety % (DCF Earnings Based) is 77.27%. Overall, Bank Alfalah has a GF Score™ of 64/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank Alfalah's Margin of Safety % (DCF Earnings Based) compare to competitors?
Bank Alfalah's Margin of Safety % (DCF Earnings Based) of 77.27% 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 Margin of Safety % (DCF Earnings Based) for a Banks company?
A good Margin of Safety % (DCF Earnings Based) depends on the Banks industry context. However, Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) mean?
A high Margin of Safety % (DCF Earnings Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on Bank Alfalah. Bank Alfalah's current Margin of Safety % (DCF Earnings Based) is 77.27%. 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 Significantly Overvalued. The stock's GF Value™ is ₨37.10, compared to a current price of ₨58.79 — trading 58.5% above its estimated fair value. The current Margin of Safety % (DCF Earnings Based) is 77.27%. Bank Alfalah's overall GF Score™ is 64/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Margin of Safety % (DCF Earnings Based) calculated?
Margin of Safety % (DCF Earnings Based) is calculated from a company's financial statements. For Bank Alfalah (KAR:BAFL), the current Margin of Safety % (DCF Earnings Based) is 77.27% as of Jun. 26, 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 ₨58.79 is trading 58.5% above its estimated GF Value™ of ₨37.10. GuruFocus considers Bank Alfalah to be Significantly Overvalued.

Key valuation signals for KAR:BAFL:

  • Margin of Safety % (DCF Earnings Based): 77.27%
  • GF Value™: ₨37.10 vs. price of ₨58.79 (58.5% above fair value)
  • GF Score™: 64/100 with 6 warning signs

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 Business Description

Address I. I. Chundrigar Road, B.A. Building, Karachi, PAK, 74000
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.
64GF Score

Get the complete analysis for KAR:BAFL

Margin of Safety % (DCF Earnings Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₨58.79
Price
₨37.10
GF Value