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The historical rank and industry rank for Halyk Bank of Kazakhstan JSC's PB Ratio or its related term are showing as below:
LSE:HSBK'
s PB Ratio Range Over the Past 10 Years
Min: 0.67 Med: 1.04 Max: 1.47
Current: 1.1
During the past 13 years, Halyk Bank of Kazakhstan JSC's highest PB Ratio was 1.47. The lowest was 0.67. And the median was 1.04.
LSE:HSBK's PB Ratio is ranked better than 54.98% of 1517
companies
in the Banks industry
Industry Median: 1.12
vs LSE:HSBK: 1.10
During the past 12 months, Halyk Bank of Kazakhstan JSC's average Book Value Per Share Growth Rate was 13.70% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 20.20% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 21.00% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 21.20% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Halyk Bank of Kazakhstan JSC was 32.90% per year. The lowest was -70.10% per year. And the median was 18.60% per year.
Back to Basics: PB Ratio
Halyk Bank of Kazakhstan JSC (LSE:HSBK) 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.
Halyk Bank of Kazakhstan JSC PB Ratio Related Terms
Halyk Bank of Kazakhstan JSC PB Ratio Historical Data
* 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, Halyk Bank of Kazakhstan JSC'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.
Halyk Bank of Kazakhstan JSC PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Halyk Bank of Kazakhstan JSC's PB Ratio distribution charts can be found below:
* The bar in red indicates where Halyk Bank of Kazakhstan JSC'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.
Halyk Bank of Kazakhstan JSC (LSE:HSBK) has a PB Ratio of 1.12 as of Jul. 18, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Halyk Bank of Kazakhstan JSC and its competitors. This is near median its historical median of 1.04. Over the past decade, Halyk Bank of Kazakhstan JSC's PB Ratio has ranged from 0.67 to 1.47. According to the industry distribution chart, Halyk Bank of Kazakhstan JSC ranks #683 out of 1517 companies in the Banks industry, placing it in the top 45%.
Is Halyk Bank of Kazakhstan JSC's PB Ratio too high?
Halyk Bank of Kazakhstan JSC's current PB Ratio of 1.12 is near median its 10-year median of 1.04. Over the past 10 years, this metric has ranged from a low of 0.67 to a high of 1.47. The Banks industry median PB Ratio is 1.12. Halyk Bank of Kazakhstan JSC's value of 1.12 is 0% at this industry median. Based on the distribution chart, Halyk Bank of Kazakhstan JSC ranks #683 out of 1517 companies in the Banks industry, which is above the industry midpoint. Overall, Halyk Bank of Kazakhstan JSC has a GF Score™ of 80/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Halyk Bank of Kazakhstan JSC's PB Ratio compare to PNC and USB?
According to the Banks industry distribution chart, Halyk Bank of Kazakhstan JSC ranks #683 out of 1517 companies for PB Ratio. This puts Halyk Bank of Kazakhstan JSC in the upper half of its industry. The industry median PB Ratio is 1.12. Halyk Bank of Kazakhstan JSC's value of 1.12 is 0% at this benchmark. Historically, Halyk Bank of Kazakhstan JSC's own PB Ratio has ranged from 0.67 to 1.47 over the past decade. While the company's 10-year median is 1.04 vs. the industry median of 1.12, Halyk Bank of Kazakhstan JSC has consistently been at 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. Halyk Bank of Kazakhstan JSC's current PB Ratio of 1.12 is 0% at 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 Halyk Bank of Kazakhstan JSC 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. Halyk Bank of Kazakhstan JSC's current PB Ratio is 1.12, which is near median its own 10-year median of 1.04. 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 $26.78, compared to a current price of $32.15 — trading 20.1% above its estimated fair value. The current PB Ratio is 1.12, which is near median its 10-year median of 1.04 and 0% at the Banks industry median of 1.12. Halyk Bank of Kazakhstan JSC's overall GF Score™ is 80/100 with 7 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 Halyk Bank of Kazakhstan JSC (LSE:HSBK), the current PB Ratio is 1.12 as of Jul. 18, 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 $32.15 is trading 20.1% above its estimated GF Value™ of $26.78.
GuruFocus considers Halyk Bank of Kazakhstan JSC to be Modestly Overvalued.
Key valuation signals for LSE:HSBK:
PB Ratio: 1.12 (near median its 10-year median of 1.04)
GF Value™: $26.78 vs. price of $32.15 (20.1% above fair value)
Industry Position: 0% at the Banks median (#683 of 1517)
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 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.
80GF Score
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