Bank Alfalah (KAR:BAFL) Growth Rank: 5 (As of Sep. 09, 2026) — 38% Below Median

Author: Vera Yuan Vera Yuan
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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.

KAR:BAFL Bank Alfalah Ltd KAR:BAFL
62 GF Score
Price ₨55.85
GF Value ₨45.13
Valuation Modestly Overvalued
! 1 Warning Sign
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What is Bank Alfalah Growth Rank?

Bank Alfalah KAR:BAFL -0.68% 62 Growth Rank is 5 as of Sep. 09, 2026, which is 38% below its 10-year median of 8.00. GuruFocus rates KAR:BAFL with a GF Score™ of 62/100 and a GF Value™ of ₨45.13 (Modestly Overvalued). The stock has 1 warning sign investors should review.

Bank Alfalah has the Growth Rank of 5.

GuruFocus Growth Rank measures the growth of a company in terms of its revenue and profitability, rated on a scale from 1 to 10. Historically, the companies with the highest growth ranks performed the best over the long term. It is calculated using the following criteria:

1. 5-year revenue growth rate, the higher, the better.
2. 3-year revenue growth rate, the higher, the better.
3. 5-year EBITDA growth rate, the higher, the better.
4. The predictability of 5-year revenue. The most consistent it is, the higher the rank.

A higher score reflects a greater ability to drive business growth, with companies considered to have strong and sustainable expansion potential. Conversely, a lower score indicates challenges in achieving consistent growth and scalability.

GuruFocus found that the Growth Rank is the second of the two most-sensitive parameters among the five parameters checked. Please click GF Score to see more details on GF Score's 5 Key Aspects of Analysis.

Please note that we are using the five-year EBITDA growth rate as a parameter, so the company needs to have had positive growth over that time. The reason we use EBITDA instead of earnings per share is that with EBITDA, we can rank a lot more companies since a company may have positive EBITDA but negative EPS. Since we are looking at the growth here, EBITDA gives us a pretty clear picture about the growth in the company's business operations.

Bank Alfalah Growth Rank Competitor Comparison

For the Banks - Regional subindustry, Bank Alfalah's Growth Rank, along with its competitors' market caps and Growth 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.

Bank Alfalah Growth Rank vs Banks Industry

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

* The bar in red indicates where Bank Alfalah's Growth Rank falls into.


KAR:BAFL
62GF Score
Bank Alfalah Ltd KAR:BAFL
Growth Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Growth Rank →
What does a Growth Rank of 5 mean?
Bank Alfalah (KAR:BAFL) has a Growth Rank of 5 as of Sep. 09, 2026. Growth Rank measures the growth of a company in terms of its revenue and profitability. View historical data on Bank Alfalah and its competitors. This is 38% below median its historical median of 8.00. Over the past decade, Bank Alfalah's Growth Rank has ranged from 4.00 to 10.00.
Is Bank Alfalah's Growth Rank too high?
Bank Alfalah's current Growth Rank of 5 is 38% below median its 10-year median of 8.00. Over the past 10 years, this metric has ranged from a low of 4.00 to a high of 10.00. Overall, Bank Alfalah has a GF Score™ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank Alfalah's Growth Rank compare to competitors?
Bank Alfalah's Growth Rank of 5 can be compared against companies in the Banks industry. Historically, Bank Alfalah's own Growth Rank has ranged from 4.00 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 Growth Rank for a Banks company?
A good Growth Rank depends on the Banks industry context. However, Growth 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 Growth Rank mean?
A high Growth Rank can signal that a stock is expensive relative to its fundamentals. Growth Rank measures the growth of a company in terms of its revenue and profitability. View historical data on Bank Alfalah and its competitors. Bank Alfalah's current Growth Rank is 5, which is 38% below median its own 10-year median of 8.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank Alfalah stock overvalued right now?
Based on GuruFocus' analysis, Bank Alfalah (KAR:BAFL) is currently considered Modestly Overvalued. The stock's GF Value™ is ₨45.13, compared to a current price of ₨55.85 — trading 23.8% above its estimated fair value. The current Growth Rank is 5, which is 38% below median its 10-year median of 8.00. Bank Alfalah's overall GF Score™ is 62/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Growth Rank calculated?
Growth Rank is calculated from a company's financial statements. For Bank Alfalah (KAR:BAFL), the current Growth Rank is 5 as of Sep. 09, 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 Bank Alfalah (KAR:BAFL) Overvalued in 2026?

Based on GuruFocus' analysis, Bank Alfalah stock appears to be overvalued. The current stock price of ₨55.85 is trading 23.8% above its estimated GF Value™ of ₨45.13. GuruFocus considers Bank Alfalah to be Modestly Overvalued.

Key valuation signals for KAR:BAFL:

  • Growth Rank: 5 (38% below median its 10-year median of 8.00)
  • GF Value™: ₨45.13 vs. price of ₨55.85 (23.8% above fair value)
  • GF Score™: 62/100 with 1 warning sign

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

Bank Alfalah Business Description

Address I. I. Chundrigar Road, B.A. Building, Karachi, PAK, 74000
Bank Alfalah Ltd is a banking company that provides financial services to retail, corporate and public sector customers. The Bank offers products and services including loans, deposits, project and trade financing, investment banking, wealth management, credit cards, auto loans, housing finance and personal loans, money market, capital market and foreign exchange operations. It also provides digital banking services through mobile app, internet banking, ATMs and contact center. The Bank operates through the segments Retail Banking, Corporate Banking, Islamic (Domestic Operations), Treasury, Digital Banking, Overseas and Others, and operates in three geographical regions namely Pakistan, Asia Pacific (including South Asia) and the Middle East.
62GF Score

Get the complete analysis for KAR:BAFL

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

₨55.85
Price
₨45.13
GF Value