MCB Bank (KAR:MCB) GF Value Rank: 3 (As of Jul. 31, 2026) — 50% Below Median

Author: Vera Yuan Vera Yuan
Vera Yuan
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.
Reviewed by: Charlie Tian Charlie Tian
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.

KAR:MCB MCB Bank Ltd KAR:MCB
64 GF Score
Price ₨406.99
GF Value ₨233.02
Valuation Significantly Overvalued
! 8 Warning Signs
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What is MCB Bank GF Value Rank?

MCB Bank KAR:MCB +0.03% 64 GF Value Rank is 3 as of Jul. 31, 2026, which is 50% below its 10-year median of 6.00. GuruFocus rates KAR:MCB with a GF Score™ of 64/100 and a GF Value™ of ₨233.02 (Significantly Overvalued). The stock has 8 warning signs investors should review.

MCB Bank has the GF Value Rank of 3.

GF Value Rank evaluates the exclusive GuruFocus valuation and performance of a stock, rated on a scale from 1 to 10. It is determined by the price-to-GF-Value (P/GF Value) ratio, a proprietary metric calculated based on historical multiples along with an adjustment factor based on a company's past returns and growth and future estimates of the business' performance.

GuruFocus found that for valuation, we cannot simply give stocks a better GF Value rank simply because they have a lower P/GF Value ratio. Backtesting shows that over the long term, the two worst-performing groups are the most expensive group (with the highest P/GF Value ratio) and the least expensive group (with the lowest P/GF Value ratio).

We can understand why the most expensive group underperforms. We were initially puzzled by the underperformance of the least expensive group, but we realized there is a reason why some stocks are super cheap. If they look too undervalued, it is often because the businesses behind them are poor quality. The market realized this and gave them low valuations. In a way, the market is efficient.

After multiple backtesting analyses, we granted the stocks in third-cheapest percentile the highest GF Value rank, as they have performed the best over a full market cycle. Stock performance is actually not as sensitive to valuation as it is to growth and profitability. On average, the companies in the 20%-50% valuation groups have similar performances. Therefore, we should avoid the most expensive and the least expensive stocks. We can be more tolerant of valuation.

A higher score indicates a stock with a relatively low valuation and substantial potential for outperformance. Conversely, a lower score often reflects stocks that are either highly overvalued or deeply undervalued, both of which tend to underperform.

Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.


MCB Bank GF Value Rank Competitor Comparison

For the Banks - Regional subindustry, MCB Bank's GF Value Rank, along with its competitors' market caps and GF Value Rank 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.


MCB Bank GF Value Rank vs Banks Industry

For the Banks industry and Financial Services sector, MCB Bank's GF Value Rank distribution charts can be found below:

* The bar in red indicates where MCB Bank's GF Value Rank falls into.


KAR:MCB
64GF Score
MCB Bank Ltd KAR:MCB
GF Value Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about GF Value Rank →
What does a GF Value Rank of 3 mean?
MCB Bank (KAR:MCB) has a GF Value Rank of 3 as of Jul. 31, 2026. GF Value Rank is given based on historical multiples along with past returns, growth and future estimates of the business' performance. View historical data on MCB Bank and its competitors. This is 50% below median its historical median of 6.00. Over the past decade, MCB Bank's GF Value Rank has ranged from 3.00 to 10.00.
Is MCB Bank's GF Value Rank too high?
MCB Bank's current GF Value Rank of 3 is 50% below median its 10-year median of 6.00. Over the past 10 years, this metric has ranged from a low of 3.00 to a high of 10.00. Overall, MCB Bank has a GF Score™ of 64/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does MCB Bank's GF Value Rank compare to competitors?
MCB Bank's GF Value Rank of 3 can be compared against companies in the Banks industry. Historically, MCB Bank's own GF Value Rank has ranged from 3.00 to 10.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Value Rank for a Banks company?
A good GF Value Rank depends on the Banks industry context. However, GF Value Rank 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 GF Value Rank mean?
A high GF Value Rank can signal that a stock is expensive relative to its fundamentals. GF Value Rank is given based on historical multiples along with past returns, growth and future estimates of the business' performance. View historical data on MCB Bank and its competitors. MCB Bank's current GF Value Rank is 3, which is 50% below median its own 10-year median of 6.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is MCB Bank stock overvalued right now?
Based on GuruFocus' analysis, MCB Bank (KAR:MCB) is currently considered Significantly Overvalued. The stock's GF Value™ is ₨233.02, compared to a current price of ₨406.99 — trading 74.7% above its estimated fair value. The current GF Value Rank is 3, which is 50% below median its 10-year median of 6.00. MCB Bank's overall GF Score™ is 64/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Value Rank calculated?
GF Value Rank is calculated from a company's financial statements. For MCB Bank (KAR:MCB), the current GF Value Rank is 3 as of Jul. 31, 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 MCB Bank (KAR:MCB) Overvalued in 2026?

Based on GuruFocus' analysis, MCB Bank stock appears to be overvalued. The current stock price of ₨406.99 is trading 74.7% above its estimated GF Value™ of ₨233.02. GuruFocus considers MCB Bank to be Significantly Overvalued.

Key valuation signals for KAR:MCB:

  • GF Value Rank: 3 (50% below median its 10-year median of 6.00)
  • GF Value™: ₨233.02 vs. price of ₨406.99 (74.7% above fair value)
  • GF Score™: 64/100 with 8 warning signs

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


MCB Bank Business Description

Address 15-Main Gulberg, Jail Road, MCB House, Gulburg, Lahore, PB, PAK
MCB Bank Ltd is a commercial banking company operating in Pakistan. The bank provides services through its segments such as Retail Banking, Corporate Banking, Treasury, International banking and others. The majority of the bank's revenues are generated from the Retail banking segment, which includes retail lending and deposits, banking services, cards, and branchless banking. Retail banking offers services such as retail and private lending & deposits and other banking services offered to individual customers and small and medium-term companies. MCB Bank derives majority of its business from its domestic operations. It also has branches across South Asia and the Middle East.
64GF Score

Get the complete analysis for KAR:MCB

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

₨406.99
Price
₨233.02
GF Value