Halyk Bank of Kazakhstan JSC (LSE:HSBK) Margin of Safety % (DCF Earnings Based): 86.99% (As of Jun. 26, 2026)


LSE:HSBK Halyk Bank of Kazakhstan JSC LSE:HSBK
83 GF Score
Price $29.70
GF Value $26.35
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Halyk Bank of Kazakhstan JSC Margin of Safety % (DCF Earnings Based)?

Halyk Bank of Kazakhstan JSC LSE:HSBK -1.98% 83 Margin of Safety % (DCF Earnings Based) is 86.99% as of Jun. 26, 2026. GuruFocus rates LSE:HSBK with a GF Score™ of 83/100 and a GF Value™ of $26.35 (Modestly Overvalued). The stock has 7 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), Halyk Bank of Kazakhstan JSC's Predictability Rank is 5-Stars. Halyk Bank of Kazakhstan JSC's intrinsic value calculated from the Discounted Earnings model is $228.25 and current share price is $29.70. Consequently,

Halyk Bank of Kazakhstan JSC's Margin of Safety % (DCF Earnings Based) using Discounted Earnings model is 86.99%.

LSE:HSBK vs PNC, USB: Margin of Safety % (DCF Earnings Based) Comparison

For the Banks - Regional subindustry, Halyk Bank of Kazakhstan JSC'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.

Halyk Bank of Kazakhstan JSC Margin of Safety % (DCF Earnings Based) vs Banks Industry

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

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


LSE:HSBK
83GF Score
Halyk Bank of Kazakhstan JSC LSE:HSBK
Margin of Safety % (DCF Earnings Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Halyk Bank of Kazakhstan JSC Margin of Safety % (DCF Earnings Based) Calculation

Halyk Bank of Kazakhstan JSC'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)
=(228.25-29.70)/228.25
=86.99 %

* 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 86.99% mean?
Halyk Bank of Kazakhstan JSC (LSE:HSBK) has a Margin of Safety % (DCF Earnings Based) of 86.99% 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 Halyk Bank of Kazakhstan JSC.
Is Halyk Bank of Kazakhstan JSC's Margin of Safety % (DCF Earnings Based) too high?
Halyk Bank of Kazakhstan JSC's current Margin of Safety % (DCF Earnings Based) is 86.99%. Overall, Halyk Bank of Kazakhstan JSC has a GF Score™ of 83/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Halyk Bank of Kazakhstan JSC's Margin of Safety % (DCF Earnings Based) compare to PNC and USB?
Halyk Bank of Kazakhstan JSC's Margin of Safety % (DCF Earnings Based) of 86.99% 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 Halyk Bank of Kazakhstan JSC. Halyk Bank of Kazakhstan JSC's current Margin of Safety % (DCF Earnings Based) is 86.99%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Halyk Bank of Kazakhstan JSC stock overvalued right now?
Based on GuruFocus' analysis, Halyk Bank of Kazakhstan JSC (LSE:HSBK) is currently considered Modestly Overvalued. The stock's GF Value™ is $26.35, compared to a current price of $29.70 — trading 12.7% above its estimated fair value. The current Margin of Safety % (DCF Earnings Based) is 86.99%. Halyk Bank of Kazakhstan JSC's overall GF Score™ is 83/100 with 7 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 Halyk Bank of Kazakhstan JSC (LSE:HSBK), the current Margin of Safety % (DCF Earnings Based) is 86.99% 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 Halyk Bank of Kazakhstan JSC (LSE:HSBK) Overvalued in 2026?

Based on GuruFocus' analysis, Halyk Bank of Kazakhstan JSC stock appears to be overvalued. The current stock price of $29.70 is trading 12.7% above its estimated GF Value™ of $26.35. GuruFocus considers Halyk Bank of Kazakhstan JSC to be Modestly Overvalued.

Key valuation signals for LSE:HSBK:

  • Margin of Safety % (DCF Earnings Based): 86.99%
  • GF Value™: $26.35 vs. price of $29.70 (12.7% above fair value)
  • GF Score™: 83/100 with 7 warning signs

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

Halyk Bank of Kazakhstan JSC Business Description

Address 40, Al-Farabi Avenue, Almaty, KAZ, A26M3K5
Halyk Bank of Kazakhstan JSC is engaged in retail, corporate, and SME banking services. It also provides insurance, cash collection, asset management, brokerage, telecommunication, and leasing services. The group has four main business segments: Corporate Banking, SME Banking, Retail Banking, and Investment Banking. The majority of revenue derives from the corporate banking segment, which includes banking services to corporate clients and financial institutions, including current accounts and correspondent accounts, deposits, custody, overdrafts, loans and other credit facilities, documentary operations, including guarantees and letters of credit, trade finance products, as well as cash services and foreign exchange transactions.
83GF Score

Get the complete analysis for LSE:HSBK

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

$29.70
Price
$26.35
GF Value