Standard Chartered Bank Kenya (NAI:SCBK) PB Ratio: 1.82 (As of Jul. 19, 2026) — 33% Above Median

Author: Vera Yuan Vera Yuan
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Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

NAI:SCBK Standard Chartered Bank Kenya Ltd NAI:SCBK
82 GF Score
Price KES337.00
GF Value KES202.47
Valuation Significantly Overvalued
! 7 Warning Signs
View Full Analysis

What is Standard Chartered Bank Kenya PB Ratio?

Standard Chartered Bank Kenya NAI:SCBK -0.44% 82 PB Ratio is 1.82 as of Jul. 19, 2026, which is 33% above its 10-year median of 1.37. GuruFocus rates NAI:SCBK with a GF Score™ of 82/100 and a GF Value™ of KES202.47 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,518 Banks companies, Standard Chartered Bank Kenya ranks worse than 85.84% 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 (2026-07-19), Standard Chartered Bank Kenya's share price is KES337.00. Standard Chartered Bank Kenya's Book Value per Share for the quarter that ended in Mar. 2026 was KES184.79. Hence, Standard Chartered Bank Kenya's PB Ratio of today is 1.82.

The historical rank and industry rank for Standard Chartered Bank Kenya's PB Ratio or its related term are showing as below:

NAI:SCBK' s PB Ratio Range Over the Past 10 Years
Min: 0.83   Med: 1.37   Max: 2.07
Current: 1.82

During the past 13 years, Standard Chartered Bank Kenya's highest PB Ratio was 2.07. The lowest was 0.83. And the median was 1.37.

NAI:SCBK's PB Ratio is ranked worse than
85.84% of 1518 companies
in the Banks industry
Industry Median: 1.11 vs NAI:SCBK: 1.82

During the past 12 months, Standard Chartered Bank Kenya's average Book Value Per Share Growth Rate was -8.20% per year. During the past 3 years, the average Book Value Per Share Growth Rate was 5.70% per year. During the past 5 years, the average Book Value Per Share Growth Rate was 6.80% per year. During the past 10 years, the average Book Value Per Share Growth Rate was 5.20% per year.

During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Standard Chartered Bank Kenya was 25.20% per year. The lowest was 2.30% per year. And the median was 6.40% per year.

Back to Basics: PB Ratio


Standard Chartered Bank Kenya  (NAI:SCBK) PB Ratio Explanation

Unlike valuation ratios relative to the earning power such as PE Ratio, PE Ratio without NRI, PS Ratio, Price-to-Operating-Cash-Flow , or Price-to-Free-Cash-Flow, the PB Ratio measures the valuation of the stock relative to the underlying asset of the company.

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.


Standard Chartered Bank Kenya PB Ratio Related Terms


Standard Chartered Bank Kenya PB Ratio Historical Data

* Premium members only.

The historical data trend for Standard Chartered Bank Kenya'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.

Standard Chartered Bank Kenya PB Ratio Chart

Standard Chartered Bank Kenya Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.92 0.97 1.00 1.48 1.70

Standard Chartered Bank Kenya Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
PB 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 1.49 1.73 1.68 1.70 1.79

Standard Chartered Bank Kenya PB Ratio Competitor Comparison

For the Banks - Regional subindustry, Standard Chartered Bank Kenya'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.


Standard Chartered Bank Kenya PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Standard Chartered Bank Kenya's PB Ratio distribution charts can be found below:

* The bar in red indicates where Standard Chartered Bank Kenya's PB Ratio falls into.


NAI:SCBK
82GF Score
Standard Chartered Bank Kenya Ltd NAI:SCBK
PB Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Standard Chartered Bank Kenya PB Ratio Calculation

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.

Standard Chartered Bank Kenya's PB Ratio for today is calculated as follows:

PB Ratio=Share Price/Book Value per Share (Q: Mar. 2026)
=337.00/184.794
=1.82

* 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.

Frequently Asked Questions Learn more about PB Ratio →
What does a PB Ratio of 1.82 mean?
Standard Chartered Bank Kenya (NAI:SCBK) has a PB Ratio of 1.82 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 Standard Chartered Bank Kenya and its competitors. This is 33% above median its historical median of 1.37. Over the past decade, Standard Chartered Bank Kenya's PB Ratio has ranged from 0.83 to 2.07. According to the industry distribution chart, Standard Chartered Bank Kenya ranks #1303 out of 1518 companies in the Banks industry, placing it in the top 85.8%.
Is Standard Chartered Bank Kenya's PB Ratio too high?
Standard Chartered Bank Kenya's current PB Ratio of 1.82 is 33% above median its 10-year median of 1.37. Over the past 10 years, this metric has ranged from a low of 0.83 to a high of 2.07. The Banks industry median PB Ratio is 1.11. Standard Chartered Bank Kenya's value of 1.82 is 64% above this industry median. Based on the distribution chart, Standard Chartered Bank Kenya ranks #1303 out of 1518 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Standard Chartered Bank Kenya has a GF Score™ of 82/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Standard Chartered Bank Kenya's PB Ratio compare to competitors?
According to the Banks industry distribution chart, Standard Chartered Bank Kenya ranks #1303 out of 1518 companies for PB Ratio. This places Standard Chartered Bank Kenya in the lower half of its industry. The industry median PB Ratio is 1.11. Standard Chartered Bank Kenya's value of 1.82 is 64% above this benchmark. Historically, Standard Chartered Bank Kenya's own PB Ratio has ranged from 0.83 to 2.07 over the past decade. While the company's 10-year median is 1.37 vs. the industry median of 1.11, Standard Chartered Bank Kenya 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.11, based on 1,518 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. Standard Chartered Bank Kenya's current PB Ratio of 1.82 is 64% 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 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 Standard Chartered Bank Kenya and its competitors. For the Banks industry, the median PB Ratio is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Standard Chartered Bank Kenya's current PB Ratio is 1.82, which is 33% above median its own 10-year median of 1.37. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Standard Chartered Bank Kenya stock overvalued right now?
Based on GuruFocus' analysis, Standard Chartered Bank Kenya (NAI:SCBK) is currently considered Significantly Overvalued. The stock's GF Value™ is KES202.47, compared to a current price of KES337.00 — trading 66.4% above its estimated fair value. The current PB Ratio is 1.82, which is 33% above median its 10-year median of 1.37 and 64% above the Banks industry median of 1.11. Standard Chartered Bank Kenya's overall GF Score™ is 82/100 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 Standard Chartered Bank Kenya (NAI:SCBK), the current PB Ratio is 1.82 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 Standard Chartered Bank Kenya (NAI:SCBK) Overvalued in 2026?

Based on GuruFocus' analysis, Standard Chartered Bank Kenya stock appears to be overvalued. The current stock price of KES337.00 is trading 66.4% above its estimated GF Value™ of KES202.47. GuruFocus considers Standard Chartered Bank Kenya to be Significantly Overvalued.

Key valuation signals for NAI:SCBK:

  • PB Ratio: 1.82 (33% above median its 10-year median of 1.37)
  • GF Value™: KES202.47 vs. price of KES337.00 (66.4% above fair value)
  • GF Score™: 82/100 with 7 warning signs
  • Industry Position: 64% above the Banks median (#1303 of 1518)

No single metric tells the full story. See the NAI:SCBK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Standard Chartered Bank Kenya Business Description

Address 48 Westlands Road, P.O. Box 30003, Nairobi, KEN, 00100
Standard Chartered Bank Kenya Ltd offers a variety of local and foreign currency banking solutions to meet its clients' transactional, borrowing, and investment needs. It has a diversified portfolio cutting across select sectors that include business services, manufacturing, wholesale and retail trade, transport and communication, real estate, agriculture, energy, and water. The company's segments are mainly Corporate and Investment Banking; Wealth and Retail Banking; Central and Other items.
82GF Score

Get the complete analysis for NAI:SCBK

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

KES337.00
Price
KES202.47
GF Value