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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
This valuation method assumes that the stock valuation will revert to its historical (10-Year) median in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
Median PS Value is calculated as trailing twelve months (TTM) Revenue per Share times 10-Year median PS Ratio. Bank Alfalah's Revenue per Share for the trailing twelve months (TTM) ended in Jun. 2026 was ₨62.505. Bank Alfalah's 10-Year median PS Ratio is 1.0769. Therefore, the Median PS Value for today is ₨67.31.
As of today (2026-09-02), Bank Alfalah's share price is ₨57.38. Bank Alfalah's Median PS Value is ₨67.31. Therefore, Bank Alfalah's Price to Median PS Value for today is 0.85.
The historical rank and industry rank for Bank Alfalah's Median PS Value or its related term are showing as below:
KAR:BAFL'
s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.29 Med: 0.53 Max: 1.05
Current: 0.85
During the past 13 years, the highest Price to Median PS Value of Bank Alfalah was 1.05. The lowest was 0.29. And the median was 0.53.
KAR:BAFL's Price-to-Median-PS-Value is ranked better than 79.83% of 1061
companies
in the Banks industry
Industry Median: 1.1
vs KAR:BAFL: 0.85
Bank Alfalah (KAR:BAFL) Median PS Value Explanation
This valuation method assumes that the stock valuation will revert to its historical (10-Year) mean in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio
is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
It also assumes that over time the profit margin is constant. If a company increases its profit margin to a sustainable level, this value might under-estimate its value. If it has permanent declined profit margins, this may over-estimate the company's value.
Bank Alfalah's Price to Median PS Value for today is calculated as
Price to Median PS Value
=
Share Price
/
Median PS Value
=
57.38
/
67.31
=
0.85
* 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.
Bank Alfalah Median PS Value Related Terms
Bank Alfalah Median PS Value Historical Data
* Premium members only.
The historical data trend for Bank Alfalah's Median PS Value 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.
Bank Alfalah Median PS Value Competitor Comparison
For the Banks - Regional subindustry, Bank Alfalah's Price-to-Median-PS-Value, along with its competitors' market caps and Price-to-Median-PS-Value 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 Price-to-Median-PS-Value vs Banks Industry
For the Banks industry and Financial Services sector, Bank Alfalah's Price-to-Median-PS-Value distribution charts can be found below:
* The bar in red indicates where Bank Alfalah's Price-to-Median-PS-Value falls into.
10-Year Median PS Ratio is 1.0769.
Bank Alfalah's Revenue per Share 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 ₨62.505.
* 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.
Bank Alfalah (KAR:BAFL) has a Median PS Value of ₨67.31 as of Sep. 02, 2026. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Bank Alfalah and its competitors. According to the industry distribution chart, Bank Alfalah ranks #214 out of 1061 companies in the Banks industry, placing it in the top 20.2%.
Is Bank Alfalah's Median PS Value too high?
Bank Alfalah's current Median PS Value is ₨67.31. Based on the distribution chart, Bank Alfalah ranks #214 out of 1061 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Bank Alfalah has a GF Score™ of 60/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank Alfalah's Median PS Value compare to competitors?
According to the Banks industry distribution chart, Bank Alfalah ranks #214 out of 1061 companies for Median PS Value. This places Bank Alfalah in the top 20% of its industry — outperforming the majority of peers. The industry median Median PS Value is 1.10. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Median PS Value for a Banks company?
The median Median PS Value among Banks companies is 1.10, based on 1,061 companies in the industry. Companies in the top quartile (top 25%) have a Median PS Value significantly above this median, while those in the bottom quartile fall well below. However, Median PS Value 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 Median PS Value mean?
A high Median PS Value can signal that a stock is expensive relative to its fundamentals. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Bank Alfalah and its competitors. For the Banks industry, the median Median PS Value is 1.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank Alfalah's current Median PS Value is ₨67.31. 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 Modestly Overvalued. The stock's GF Value™ is ₨44.97, compared to a current price of ₨57.38 — trading 27.6% above its estimated fair value. The current Median PS Value is ₨67.31. Bank Alfalah's overall GF Score™ is 60/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Median PS Value calculated?
Median PS Value is calculated from a company's financial statements. For Bank Alfalah (KAR:BAFL), the current Median PS Value is ₨67.31 as of Sep. 02, 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 ₨57.38 is trading 27.6% above its estimated GF Value™ of ₨44.97.
GuruFocus considers Bank Alfalah to be Modestly Overvalued.
Key valuation signals for KAR:BAFL:
Median PS Value: ₨67.31
GF Value™: ₨44.97 vs. price of ₨57.38 (27.6% above fair value)
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 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.
60GF Score
Get the complete analysis for KAR:BAFL
Median PS Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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