Bank AlfalahKAR:BAFL -0.22%67 PB Ratio is 0.97 as of Jul. 13, 2026, which is 37% above its 10-year median of 0.71. GuruFocus rates KAR:BAFL with a GF Score™ of 67/100 and a GF Value™ of ₨43.31 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,520 Banks companies, Bank Alfalah ranks better than 61.84% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-07-13), Bank Alfalah's share price is ₨58.63. Bank Alfalah's Book Value per Share for the quarter that ended in Mar. 2026 was ₨60.44. Hence, Bank Alfalah's PB Ratio of today is 0.97.
Warning Sign:
Bank Alfalah Ltd stock PB Ratio (=0.97) is close to 5-year high of 1.04.
The historical rank and industry rank for Bank Alfalah's PB Ratio or its related term are showing as below:
KAR:BAFL'
s PB Ratio Range Over the Past 10 Years
Min: 0.41 Med: 0.71 Max: 1.34
Current: 0.97
During the past 13 years, Bank Alfalah's highest PB Ratio was 1.34. The lowest was 0.41. And the median was 0.71.
KAR:BAFL's PB Ratio is ranked better than 61.84% of 1520
companies
in the Banks industry
Industry Median: 1.1
vs KAR:BAFL: 0.97
During the past 12 months, Bank Alfalah's average Book Value Per Share Growth Rate was 4.60% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 25.20% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 21.70% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 15.10% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Bank Alfalah was 26.20% per year. The lowest was 8.80% per year. And the median was 13.50% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Bank Alfalah PB Ratio Related Terms
Bank Alfalah PB Ratio Historical Data
* Premium members only.
The historical data trend for Bank Alfalah's PB 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.
For the Banks - Regional subindustry, Bank Alfalah's PB Ratio, along with its competitors' market caps and PB 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Bank Alfalah's PB Ratio distribution charts can be found below:
* The bar in red indicates where Bank Alfalah's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
Bank Alfalah's PB Ratio for today is calculated as follows:
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Bank Alfalah (KAR:BAFL) has a PB Ratio of 0.97 as of Jul. 13, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Bank Alfalah and its competitors. This is 37% above median its historical median of 0.71. Over the past decade, Bank Alfalah's PB Ratio has ranged from 0.41 to 1.34. According to the industry distribution chart, Bank Alfalah ranks #580 out of 1520 companies in the Banks industry, placing it in the top 38.2%.
Is Bank Alfalah's PB Ratio too high?
Bank Alfalah's current PB Ratio of 0.97 is 37% above median its 10-year median of 0.71. Over the past 10 years, this metric has ranged from a low of 0.41 to a high of 1.34. The Banks industry median PB Ratio is 1.10. Bank Alfalah's value of 0.97 is 11.8% below this industry median. Based on the distribution chart, Bank Alfalah ranks #580 out of 1520 companies in the Banks industry, which is above the industry midpoint. Overall, Bank Alfalah has a GF Score™ of 67/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank Alfalah's PB Ratio compare to competitors?
According to the Banks industry distribution chart, Bank Alfalah ranks #580 out of 1520 companies for PB Ratio. This puts Bank Alfalah in the upper half of its industry. The industry median PB Ratio is 1.10. Bank Alfalah's value of 0.97 is 11.8% below this benchmark. Historically, Bank Alfalah's own PB Ratio has ranged from 0.41 to 1.34 over the past decade. While the company's 10-year median is 0.71 vs. the industry median of 1.10, Bank Alfalah has consistently been below 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.10, based on 1,520 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank Alfalah's current PB Ratio of 0.97 is 11.8% below 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Bank Alfalah and its competitors. For the Banks industry, the median PB Ratio is 1.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank Alfalah's current PB Ratio is 0.97, which is 37% above median its own 10-year median of 0.71. 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 ₨43.31, compared to a current price of ₨58.63 — trading 35.4% above its estimated fair value. The current PB Ratio is 0.97, which is 37% above median its 10-year median of 0.71 and 11.8% below the Banks industry median of 1.10. Bank Alfalah's overall GF Score™ is 67/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Bank Alfalah (KAR:BAFL), the current PB Ratio is 0.97 as of Jul. 13, 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 ₨58.63 is trading 35.4% above its estimated GF Value™ of ₨43.31.
GuruFocus considers Bank Alfalah to be Significantly Overvalued.
Key valuation signals for KAR:BAFL:
PB Ratio: 0.97 (37% above median its 10-year median of 0.71)
GF Value™: ₨43.31 vs. price of ₨58.63 (35.4% above fair value)
Industry Position: 11.8% below the Banks median (#580 of 1520)
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.
67GF Score
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