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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.
Peter Lynch Fair Value applies to growing companies. The ideal range for the growth rate is between 10 - 20% a year. Peter Lynch thinks that the fair P/E value for a growth company equals its growth rate, that is PEG = 1. The earnings here is trailing twelve month (TTM) earnings. For non-bank companies, the growth rate we use is the average growth rate for EBITDA per share over the past 5 years. For Banks, the growth rate we use is the average growth rate for Book Value per share over the past 5 years. If 5-Year Growth Rate is greater than 25% a year, we use 25. If 5-Year Growth Rate is smaller than 5% a year, we do not calculate Peter Lynch Fair Value.
Here, as of today, Diamond Trust Bank's PEG is 1. Diamond Trust Bank's 5-Year TTM Book Value Growth Rate is 9.31.
Diamond Trust Bank's EPS without NRI for the trailing twelve months (TTM) ended in Jun. 2026 was KES35.60. Therefore, the Peter Lynch Fair Value for today is KES331.43.
As of today (2026-09-02), Diamond Trust Bank's share price is KES192.75. Diamond Trust Bank's Peter Lynch fair value is KES331.43. Therefore, Diamond Trust Bank's Price to Peter Lynch Fair Value Ratio for today is 0.58.
The historical rank and industry rank for Diamond Trust Bank's Peter Lynch Fair Value or its related term are showing as below:
NAI:DTK'
s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.25 Med: 0.37 Max: 0.55
Current: 0.48
During the past 13 years, the highest Price to Peter Lynch Fair Value Ratio of Diamond Trust Bank was 0.55. The lowest was 0.25. And the median was 0.37.
NAI:DTK's Price-to-Peter-Lynch-Fair-Value is ranked better than 85.73% of 890
companies
in the Banks industry
Industry Median: 1.1
vs NAI:DTK: 0.48
Note: Please don't confuse Peter Lynch Fair Value with the value reached in Peter Lynch Chart.
Diamond Trust Bank (NAI:DTK) Peter Lynch Fair Value Explanation
Peter Lynch Fair Value applies to growing companies. The ideal range for the growth rate is between 10 - 20% a year.
Peter Lynch thinks that the fair P/E value for a growth company equals its growth rate, that is PEG = 1. The earnings here is trailing twelve month (TTM) earnings. For non-bank companies, the growth rate we use is the average growth rate for EBITDA per share over the past 5 years. For Banks, the growth rate we use is the average growth rate for Book Value per share over the past 5 years.
Please don't confuse Peter Lynch Fair Value with the value reached in Peter Lynch Chart. In Peter Lynch chart, a fixed P/E ratio of 15 is used to draw the Earnings Line. Therefore the value reached has a P/E ratio of 15. But in Peter Lynch Fair Value calculation, P/E equals to the growth rate of Book Value per share over the past 5 years, which is 9.31 instead of 15 in this case.
Diamond Trust Bank's Price to Peter Lynch Fair Value Ratio for today is calculated as
Price to Peter Lynch Fair Value
=
Share Price
/
Peter Lynch Fair Value
=
192.75
/
331.43
=
0.58
* 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.
Diamond Trust Bank Peter Lynch Fair Value Related Terms
Diamond Trust Bank Peter Lynch Fair Value Historical Data
* Premium members only.
The historical data trend for Diamond Trust Bank's Peter Lynch Fair Value 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, Diamond Trust Bank's Price-to-Peter-Lynch-Fair-Value, along with its competitors' market caps and Price-to-Peter-Lynch-Fair-Value 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.
Diamond Trust Bank Price-to-Peter-Lynch-Fair-Value vs Banks Industry
For the Banks industry and Financial Services sector, Diamond Trust Bank's Price-to-Peter-Lynch-Fair-Value distribution charts can be found below:
* The bar in red indicates where Diamond Trust Bank's Price-to-Peter-Lynch-Fair-Value falls into.
Diamond Trust Bank's EPS without NRI for the trailing twelve months (TTM) uses the latest annual data, which was KES35.60.
* Note that for companies that do not have enough quarterly data to calculate the 5-Year TTM EBITDA Growth Rate, we use the annual data for the calculation.
* 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.
** Please be aware that the 5-Year TTM Book Value Growth Rate is calculated based on TTM data over the last 5 years. For quarterly reported companies, the TTM data is the latest quarter data. For companies that report semi-annually, annually, or do not have enough quarterly data, GuruFocus uses the annual data as the TTM data.
If 5-Year Earnings Growth Rate is greater than 25% a year, we use 25.
If 5-Year Earnings Growth Rate is smaller than 5% a year, we do not calculate Peter Lynch Fair Value.
Please note that we use the 5-year average growth rate of EBITDA per share as the growth rate for non-bank companies, as EBITDA growth is subject to less manipulations than net earnings per share. For banks, we use the 5-year average growth rate of Book Value per share as the growth rate. The reason is that EBITDA is not applicable to Banks and Book value is a relative important measurement for Banks. In the calculation, PEG=1 because Peter Lynch thinks that the fair P/E ratio of the growth stock is equal to its earnings growth rate.
What does a Peter Lynch Fair Value of KES331.43 mean?
Diamond Trust Bank (NAI:DTK) has a Peter Lynch Fair Value of KES331.43 as of Sep. 02, 2026. Peter Lynch Fair Value is the stock value based on a company's current earnings and five-year earnings growth, assuming a PEG of one. View historical data on Diamond Trust Bank and its competitors. According to the industry distribution chart, Diamond Trust Bank ranks #127 out of 890 companies in the Banks industry, placing it in the top 14.3%.
Is Diamond Trust Bank's Peter Lynch Fair Value too high?
Diamond Trust Bank's current Peter Lynch Fair Value is KES331.43. Based on the distribution chart, Diamond Trust Bank ranks #127 out of 890 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Diamond Trust Bank has a GF Score™ of 66/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Diamond Trust Bank's Peter Lynch Fair Value compare to USB?
According to the Banks industry distribution chart, Diamond Trust Bank ranks #127 out of 890 companies for Peter Lynch Fair Value. This places Diamond Trust Bank in the top 14% of its industry — outperforming the majority of peers. The industry median Peter Lynch Fair Value is 1.10. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Peter Lynch Fair Value for a Banks company?
The median Peter Lynch Fair Value among Banks companies is 1.10, based on 890 companies in the industry. Companies in the top quartile (top 25%) have a Peter Lynch Fair Value significantly above this median, while those in the bottom quartile fall well below. However, Peter Lynch Fair Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Peter Lynch Fair Value mean?
A high Peter Lynch Fair Value can signal that a stock is expensive relative to its fundamentals. Peter Lynch Fair Value is the stock value based on a company's current earnings and five-year earnings growth, assuming a PEG of one. View historical data on Diamond Trust Bank and its competitors. For the Banks industry, the median Peter Lynch Fair Value is 1.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Diamond Trust Bank's current Peter Lynch Fair Value is KES331.43. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Diamond Trust Bank stock overvalued right now?
Based on GuruFocus' analysis, Diamond Trust Bank (NAI:DTK) is currently considered Significantly Overvalued. The stock's GF Value™ is KES90.49, compared to a current price of KES192.75 — trading 113% above its estimated fair value. The current Peter Lynch Fair Value is KES331.43. Diamond Trust Bank's overall GF Score™ is 66/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Peter Lynch Fair Value calculated?
Peter Lynch Fair Value is calculated from a company's financial statements. For Diamond Trust Bank (NAI:DTK), the current Peter Lynch Fair Value is KES331.43 as of Sep. 02, 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 Diamond Trust Bank (NAI:DTK) Overvalued in 2026?
Based on GuruFocus' analysis, Diamond Trust Bank stock appears to be overvalued.
The current stock price of KES192.75 is trading 113% above its estimated GF Value™ of KES90.49.
GuruFocus considers Diamond Trust Bank to be Significantly Overvalued.
Key valuation signals for NAI:DTK:
Peter Lynch Fair Value: KES331.43
GF Value™: KES90.49 vs. price of KES192.75 (113% above fair value)
No single metric tells the full story. See the NAI:DTK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Diamond Trust Bank Ltd is a regional bank that provides banking, insurance agency, and other related services to the general public. It offers various banking services, including corporate, retail, and commercial. The company focuses on the small and medium-sized enterprises sector. It has four business segments: Diamond Trust Bank Tanzania Limited, Diamond Trust Bank Uganda Limited, Diamond Trust Bank Burundi S.A, and Kenya. The Trust's majority of revenue is generated from its home country, Kenya.
66GF Score
Get the complete analysis for NAI:DTK
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