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Standard Chartered Bank (Pakistan)KAR:SCBPL -0.35%72 Forward Rate of Return (Yacktman) % is 13.03% as of Mar. 2026, which is 58% below its 10-year median of 30.96. GuruFocus rates KAR:SCBPL with a GF Score™ of 72/100 and a GF Value™ of ₨36.23 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,421 Banks companies, Standard Chartered Bank (Pakistan) ranks worse than 64.25% on this metric.
Yacktman defines forward rate of return as the normalized free cash flow yield plus real growth plus inflation. Standard Chartered Bank (Pakistan)'s forward rate of return for was 13.03%.
The historical rank and industry rank for Standard Chartered Bank (Pakistan)'s Forward Rate of Return (Yacktman) % or its related term are showing as below:
KAR:SCBPL'
s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 9.67 Med: 30.96 Max: 88.87
Current: 12.24
During the past 13 years, Standard Chartered Bank (Pakistan)'s highest Forward Rate of Return was 88.87. The lowest was 9.67. And the median was 30.96.
KAR:SCBPL's Forward Rate of Return (Yacktman) % is ranked worse than 64.25% of 1421
companies
in the Banks industry
Industry Median: 15.4
vs KAR:SCBPL: 12.24
Unlike the Earnings Yield %, the Forward Rate of Return uses the normalized Free Cash Flow of the past five years, and considers growth. The forward rate of return can be thought of as the return that investors buying the stock today can expect from it in the future.
Standard Chartered Bank (Pakistan) (KAR:SCBPL) Forward Rate of Return (Yacktman) % Explanation
Unlike the Earnings Yield, the Forward Rate of Return uses the normalized Free Cash Flow of the past five years, and considers growth. The forward rate of return can be thought of as the return that investors buying the stock today can expect from it in the future.
For the growth part of the Forward Rate of Return calculation, GuruFocus uses the 5-year average growth rate of Book Value per share as the growth rate, and the growth rate is always capped at 20%. For the Free Cash Flow we use per share data averaged over five years. The reason we use five years is to make it comparable to the growth rate.
Be Aware
In the Forward Rate of Return calculation, the growth rate is added directly to today's free cash flow yield. Therefore the calculation is reliable only if the company can grow at the same rate in the future as it did in the past. Investors should pay close attention to this when researching growth stocks. A more accurate measurement for return is Return on Capital.
Standard Chartered Bank (Pakistan) Forward Rate of Return (Yacktman) % Related Terms
Standard Chartered Bank (Pakistan) Forward Rate of Return (Yacktman) % 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.
Standard Chartered Bank (Pakistan) Forward Rate of Return (Yacktman) % Chart
Standard Chartered Bank (Pakistan) Forward Rate of Return (Yacktman) % Competitor Comparison
For the Banks - Regional subindustry, Standard Chartered Bank (Pakistan)'s Forward Rate of Return (Yacktman) %, along with its competitors' market caps and Forward Rate of Return (Yacktman) % 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 (Pakistan) Forward Rate of Return (Yacktman) % vs Banks Industry
For the Banks industry and Financial Services sector, Standard Chartered Bank (Pakistan)'s Forward Rate of Return (Yacktman) % distribution charts can be found below:
* The bar in red indicates where Standard Chartered Bank (Pakistan)'s Forward Rate of Return (Yacktman) % falls into.
Standard Chartered Bank (Pakistan) Forward Rate of Return (Yacktman) % Calculation
Forward Rate of Return is a concept that Don Yacktman uses in his investment approach. Yacktman explained the forward rate of return concept in detail in his interview with GuruFocus. Yacktman defines forward rate of return as the normalized free cash flow yield plus real growth plus inflation. He said in the interview (March 2012, when the S&P 500 was at about 1400):
If the business is stable, this calculation is fairly straightforward. For instance, on the S&P 500 we would normalize earnings. We would then calculate what percentage of those earnings are not reinvested in the underlying businesses and are therefore free. Historically, for the S&P 500, this has been just under 50% of earnings. Currently, we expect the S&P to earn about 70 on a normalized basis, a number which is far below reported earnings due to our adjusting for record high profit margins. $70 X ½ / 1400 gives you a normalized free cash flow yield of approximately 2.5%.
The historical real growth rate of the S&P 500 (companies) is about 1.5%. Assuming an inflation rate of 2.5%, the forward rate of return on an investment in the S&P 500 is about 6.5% today (2.5% free cash flow yield plus 1.5% real growth plus 2.5% inflation).
* 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.
What does a Forward Rate of Return (Yacktman) % of 13.03% mean?
Standard Chartered Bank (Pakistan) (KAR:SCBPL) has a Forward Rate of Return (Yacktman) % of 13.03% as of Mar. 2026. Yacktman's forward rate of return equals the sum of normalized free-cash-flow yield plus earnings growth. View historical data on Standard Chartered Bank (Pakistan) and its competitors. This is 58% below median its historical median of 30.96. Over the past decade, Standard Chartered Bank (Pakistan)'s Forward Rate of Return (Yacktman) % has ranged from 9.67 to 88.87. According to the industry distribution chart, Standard Chartered Bank (Pakistan) ranks #913 out of 1421 companies in the Banks industry, placing it in the top 64.3%.
Is Standard Chartered Bank (Pakistan)'s Forward Rate of Return (Yacktman) % too high?
Standard Chartered Bank (Pakistan)'s current Forward Rate of Return (Yacktman) % of 13.03% is 58% below median its 10-year median of 30.96. Over the past 10 years, this metric has ranged from a low of 9.67 to a high of 88.87. The Banks industry median Forward Rate of Return (Yacktman) % is 15.40. Standard Chartered Bank (Pakistan)'s value of 13.03% is 15.4% below this industry median. Based on the distribution chart, Standard Chartered Bank (Pakistan) ranks #913 out of 1421 companies in the Banks industry, which is below the industry midpoint. Overall, Standard Chartered Bank (Pakistan) has a GF Score™ of 72/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Standard Chartered Bank (Pakistan)'s Forward Rate of Return (Yacktman) % compare to competitors?
According to the Banks industry distribution chart, Standard Chartered Bank (Pakistan) ranks #913 out of 1421 companies for Forward Rate of Return (Yacktman) %. This places Standard Chartered Bank (Pakistan) in the lower half of its industry. The industry median Forward Rate of Return (Yacktman) % is 15.40. Standard Chartered Bank (Pakistan)'s value of 13.03% is 15.4% below this benchmark. Historically, Standard Chartered Bank (Pakistan)'s own Forward Rate of Return (Yacktman) % has ranged from 9.67 to 88.87 over the past decade. While the company's 10-year median is 30.96 vs. the industry median of 15.40, Standard Chartered Bank (Pakistan) has consistently been below 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 Forward Rate of Return (Yacktman) % for a Banks company?
The median Forward Rate of Return (Yacktman) % among Banks companies is 15.40, based on 1,421 companies in the industry. Companies in the top quartile (top 25%) have a Forward Rate of Return (Yacktman) % significantly above this median, while those in the bottom quartile fall well below. However, Forward Rate of Return (Yacktman) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Standard Chartered Bank (Pakistan)'s current Forward Rate of Return (Yacktman) % of 13.03% is 15.4% below 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 Forward Rate of Return (Yacktman) % mean?
A high Forward Rate of Return (Yacktman) % can signal that a stock is expensive relative to its fundamentals. Yacktman's forward rate of return equals the sum of normalized free-cash-flow yield plus earnings growth. View historical data on Standard Chartered Bank (Pakistan) and its competitors. For the Banks industry, the median Forward Rate of Return (Yacktman) % is 15.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Standard Chartered Bank (Pakistan)'s current Forward Rate of Return (Yacktman) % is 13.03%, which is 58% below median its own 10-year median of 30.96. 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 (Pakistan) stock overvalued right now?
Based on GuruFocus' analysis, Standard Chartered Bank (Pakistan) (KAR:SCBPL) is currently considered Significantly Overvalued. The stock's GF Value™ is ₨36.23, compared to a current price of ₨66.36 — trading 83.2% above its estimated fair value. The current Forward Rate of Return (Yacktman) % is 13.03%, which is 58% below median its 10-year median of 30.96 and 15.4% below the Banks industry median of 15.40. Standard Chartered Bank (Pakistan)'s overall GF Score™ is 72/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Forward Rate of Return (Yacktman) % calculated?
Forward Rate of Return (Yacktman) % is calculated from a company's financial statements. For Standard Chartered Bank (Pakistan) (KAR:SCBPL), the current Forward Rate of Return (Yacktman) % is 13.03% as of Mar. 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 (Pakistan) (KAR:SCBPL) Overvalued in 2026?
Based on GuruFocus' analysis, Standard Chartered Bank (Pakistan) stock appears to be overvalued.
The current stock price of ₨66.36 is trading 83.2% above its estimated GF Value™ of ₨36.23.
GuruFocus considers Standard Chartered Bank (Pakistan) to be Significantly Overvalued.
Key valuation signals for KAR:SCBPL:
Forward Rate of Return (Yacktman) %: 13.03% (58% below median its 10-year median of 30.96)
GF Value™: ₨36.23 vs. price of ₨66.36 (83.2% above fair value)
Industry Position: 15.4% below the Banks median (#913 of 1421)
No single metric tells the full story. See the KAR:SCBPL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Standard Chartered Bank (Pakistan) Ltd is a banking corporation based in Pakistan. It provides retail and corporate banking services to customers. The products and services provided by the bank include credit cards, personal loans, mortgages, deposit taking and wealth management services to individuals and small to medium-sized enterprises as well as trade finance, cash management, lending, securities services, foreign exchange, debt capital markets and corporate finance. It also provides the complete suite of Islamic banking solutions under its Standard Chartered Saadiq brand. The company's revenue comprises of fees, commission and interest and dividend received from its products and services. The Bank operates only in Pakistan.
72GF Score
Get the complete analysis for KAR:SCBPL
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