Bank Alfalah (KAR:BAFL) Dividend Payout Ratio: 0.87 (As of Mar. 2026) — 98% Above Median


KAR:BAFL Bank Alfalah Ltd KAR:BAFL
65 GF Score
Price ₨61.40
GF Value ₨37.22
Valuation Significantly Overvalued
! 4 Warning Signs
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What is Bank Alfalah Dividend Payout Ratio?

Bank Alfalah KAR:BAFL +8.35% 65 Dividend Payout Ratio is 0.87 as of Mar. 2026, which is 98% above its 10-year median of 0.44. GuruFocus rates KAR:BAFL with a GF Score™ of 65/100 and a GF Value™ of ₨37.22 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,170 Banks companies, Bank Alfalah ranks worse than 87.01% on this metric.

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. Bank Alfalah's Dividend Payout Ratio for the months ended in Mar. 2026 was 0.87.

The historical rank and industry rank for Bank Alfalah's Dividend Payout Ratio or its related term are showing as below:

KAR:BAFL' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.23   Med: 0.44   Max: 0.65
Current: 0.63

During the past 13 years, the highest Dividend Payout Ratio of Bank Alfalah was 0.65. The lowest was 0.23. And the median was 0.44.

KAR:BAFL's Dividend Payout Ratio is ranked worse than
87.01% of 1170 companies
in the Banks industry
Industry Median: 0.32 vs KAR:BAFL: 0.63

As of today (2026-07-02), the Dividend Yield % of Bank Alfalah is 8.96%.

During the past 13 years, the highest Trailing Annual Dividend Yield of Bank Alfalah was 18.35%. The lowest was 2.28%. And the median was 10.97%.

Bank Alfalah's Dividends per Share for the months ended in Mar. 2026 was ₨1.50.

During the past 12 months, Bank Alfalah's average Dividends Per Share Growth Rate was 23.50% per year. During the past 3 years, the average Dividends Per Share Growth Rate was 30.50% per year. During the past 5 years, the average Dividends Per Share Growth Rate was 25.00% per year.

During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of Bank Alfalah was 56.70% per year. The lowest was -20.60% per year. And the median was 15.20% per year.

The growth rate is calculated with least square regression.

For more information regarding to dividend, please check our Dividend Page.

* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.

Bank Alfalah (KAR:BAFL) Dividend Payout Ratio Explanation

In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.

Bank Alfalah Dividend Payout Ratio Related Terms

Bank Alfalah Dividend Payout Ratio Historical Data

* Premium members only.

The historical data trend for Bank Alfalah's Dividend Payout Ratio 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 Dividend Payout Ratio Chart

Bank Alfalah Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Dividend Payout Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.50 0.44 0.24 0.44 0.57

Bank Alfalah Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Dividend Payout Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1.12 0.49 0.62 0.62 0.87

Bank Alfalah Dividend Payout Ratio Competitor Comparison

For the Banks - Regional subindustry, Bank Alfalah's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio 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 Dividend Payout Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Bank Alfalah's Dividend Payout Ratio distribution charts can be found below:

* The bar in red indicates where Bank Alfalah's Dividend Payout Ratio falls into.


KAR:BAFL
65GF Score
Bank Alfalah Ltd KAR:BAFL
Dividend Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Bank Alfalah Dividend Payout Ratio Calculation

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.

Bank Alfalah's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Dividend Payout Ratio=Dividends per Share (A: Dec. 2025 )/ EPS without NRI (A: Dec. 2025 )
=5/ 8.779
=0.57

Bank Alfalah's Dividend Payout Ratio for the quarter that ended in Mar. 2026 is calculated as

Dividend Payout Ratio=Dividends per Share (Q: Mar. 2026 )/ EPS without NRI (Q: Mar. 2026 )
=1.5/ 1.734
=0.87

* 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.

Frequently Asked Questions Learn more about Dividend Payout Ratio →
What does a Dividend Payout Ratio of 0.87 mean?
Bank Alfalah (KAR:BAFL) has a Dividend Payout Ratio of 0.87 as of Mar. 2026. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Bank Alfalah and its competitors. This is 98% above median its historical median of 0.44. Over the past decade, Bank Alfalah's Dividend Payout Ratio has ranged from 0.23 to 0.65. According to the industry distribution chart, Bank Alfalah ranks #1018 out of 1170 companies in the Banks industry, placing it in the top 87%.
Is Bank Alfalah's Dividend Payout Ratio too high?
Bank Alfalah's current Dividend Payout Ratio of 0.87 is 98% above median its 10-year median of 0.44. Over the past 10 years, this metric has ranged from a low of 0.23 to a high of 0.65. The Banks industry median Dividend Payout Ratio is 0.32. Bank Alfalah's value of 0.87 is 171.9% above this industry median. Based on the distribution chart, Bank Alfalah ranks #1018 out of 1170 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Bank Alfalah has a GF Score™ of 65/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank Alfalah's Dividend Payout Ratio compare to competitors?
According to the Banks industry distribution chart, Bank Alfalah ranks #1018 out of 1170 companies for Dividend Payout Ratio. This places Bank Alfalah in the lower half of its industry. The industry median Dividend Payout Ratio is 0.32. Bank Alfalah's value of 0.87 is 171.9% above this benchmark. Historically, Bank Alfalah's own Dividend Payout Ratio has ranged from 0.23 to 0.65 over the past decade. While the company's 10-year median is 0.44 vs. the industry median of 0.32, Bank Alfalah has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Dividend Payout Ratio for a Banks company?
The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,170 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank Alfalah's current Dividend Payout Ratio of 0.87 is 171.9% above 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Bank Alfalah and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank Alfalah's current Dividend Payout Ratio is 0.87, which is 98% above median its own 10-year median of 0.44. 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 ₨37.22, compared to a current price of ₨61.40 — trading 65% above its estimated fair value. The current Dividend Payout Ratio is 0.87, which is 98% above median its 10-year median of 0.44 and 171.9% above the Banks industry median of 0.32. Bank Alfalah's overall GF Score™ is 65/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For Bank Alfalah (KAR:BAFL), the current Dividend Payout Ratio is 0.87 as of Mar. 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 ₨61.40 is trading 65% above its estimated GF Value™ of ₨37.22. GuruFocus considers Bank Alfalah to be Significantly Overvalued.

Key valuation signals for KAR:BAFL:

  • Dividend Payout Ratio: 0.87 (98% above median its 10-year median of 0.44)
  • GF Value™: ₨37.22 vs. price of ₨61.40 (65% above fair value)
  • GF Score™: 65/100 with 4 warning signs
  • Industry Position: 171.9% above the Banks median (#1018 of 1170)

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.
65GF Score

Get the complete analysis for KAR:BAFL

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

₨61.40
Price
₨37.22
GF Value