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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.
BankIslami PakistanKAR:BIPL -1.39%64 PB Ratio is 0.64 as of Jul. 19, 2026, which is 6% below its 10-year median of 0.68. GuruFocus rates KAR:BIPL with a GF Score™ of 64/100 and a GF Value™ of ₨24.69 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,517 Banks companies, BankIslami Pakistan ranks better than 82.99% on this metric.
The historical rank and industry rank for BankIslami Pakistan's PB Ratio or its related term are showing as below:
KAR:BIPL'
s PB Ratio Range Over the Past 10 Years
Min: 0.39 Med: 0.68 Max: 1.13
Current: 0.64
During the past 13 years, BankIslami Pakistan's highest PB Ratio was 1.13. The lowest was 0.39. And the median was 0.68.
KAR:BIPL's PB Ratio is ranked better than 82.99% of 1517
companies
in the Banks industry
Industry Median: 1.12
vs KAR:BIPL: 0.64
During the past 12 months, BankIslami Pakistan's average Book Value Per Share Growth Rate was 2.60% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 21.90% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 21.80% 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 BankIslami Pakistan was 28.30% per year. The lowest was 2.60% per year. And the median was 9.80% per year.
Back to Basics: PB Ratio
BankIslami Pakistan (KAR:BIPL) PB Ratio Explanation
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.
BankIslami Pakistan PB Ratio Related Terms
BankIslami Pakistan PB Ratio Historical Data
* Premium members only.
The historical data trend for BankIslami Pakistan'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, BankIslami Pakistan'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.
BankIslami Pakistan PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, BankIslami Pakistan's PB Ratio distribution charts can be found below:
* The bar in red indicates where BankIslami Pakistan'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.
* 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.
BankIslami Pakistan (KAR:BIPL) has a PB Ratio of 0.64 as of Jul. 19, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on BankIslami Pakistan and its competitors. This is near median its historical median of 0.68. Over the past decade, BankIslami Pakistan's PB Ratio has ranged from 0.39 to 1.13. According to the industry distribution chart, BankIslami Pakistan ranks #258 out of 1517 companies in the Banks industry, placing it in the top 17%.
Is BankIslami Pakistan's PB Ratio too high?
BankIslami Pakistan's current PB Ratio of 0.64 is near median its 10-year median of 0.68. Over the past 10 years, this metric has ranged from a low of 0.39 to a high of 1.13. The Banks industry median PB Ratio is 1.12. BankIslami Pakistan's value of 0.64 is 42.9% below this industry median. Based on the distribution chart, BankIslami Pakistan ranks #258 out of 1517 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, BankIslami Pakistan has a GF Score™ of 64/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does BankIslami Pakistan's PB Ratio compare to PNC and USB?
According to the Banks industry distribution chart, BankIslami Pakistan ranks #258 out of 1517 companies for PB Ratio. This places BankIslami Pakistan in the top 17% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.12. BankIslami Pakistan's value of 0.64 is 42.9% below this benchmark. Historically, BankIslami Pakistan's own PB Ratio has ranged from 0.39 to 1.13 over the past decade. While the company's 10-year median is 0.68 vs. the industry median of 1.12, BankIslami Pakistan 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 1.12, based on 1,517 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. BankIslami Pakistan's current PB Ratio of 0.64 is 42.9% 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 BankIslami Pakistan and its competitors. For the Banks industry, the median PB Ratio is 1.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BankIslami Pakistan's current PB Ratio is 0.64, which is near median its own 10-year median of 0.68. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BankIslami Pakistan stock overvalued right now?
Based on GuruFocus' analysis, BankIslami Pakistan (KAR:BIPL) is currently considered Fairly Valued. The stock's GF Value™ is ₨24.69, compared to a current price of ₨27.04 — trading 9.5% above its estimated fair value. The current PB Ratio is 0.64, which is near median its 10-year median of 0.68 and 42.9% below the Banks industry median of 1.12. BankIslami Pakistan's overall GF Score™ is 64/100 with 5 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 BankIslami Pakistan (KAR:BIPL), the current PB Ratio is 0.64 as of Jul. 19, 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 BankIslami Pakistan (KAR:BIPL) Overvalued in 2026?
Based on GuruFocus' analysis, BankIslami Pakistan stock appears to be overvalued.
The current stock price of ₨27.04 is trading 9.5% above its estimated GF Value™ of ₨24.69.
GuruFocus considers BankIslami Pakistan to be Fairly Valued.
Key valuation signals for KAR:BIPL:
PB Ratio: 0.64 (near median its 10-year median of 0.68)
GF Value™: ₨24.69 vs. price of ₨27.04 (9.5% above fair value)
Industry Position: 42.9% below the Banks median (#258 of 1517)
No single metric tells the full story. See the KAR:BIPL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
BankIslami Pakistan Ltd provides various banking products and services in Pakistan. The Bank's segments include Trading and Sales including equity, foreign exchanges, commodities, money market placements, and Shariah-compliant debt investments; Retail Banking includes retail Islamic financing and related assets, deposits, and banking services offered to the Bank's retail customers; and Commercial Banking includes investment banking business, trade business and Islamic financing and related assets relating to the Bank's corporate, SME and agriculture customers; and Support Centre segment includes the assets and liabilities relating to support functions at Head Office and their related income and expenses. The Majority of revenue derives from the Retail Banking segment. Operates in Pakistan.
64GF Score
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