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The Bank of KhyberKAR:BOK +0.56%55 Return-on-Tangible-Asset is 0.86% as of Mar. 2026, which is 13% above its 10-year median of 0.76. GuruFocus rates KAR:BOK with a GF Score™ of 55/100 and a GF Value™ of ₨19.47 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 1,528 Banks companies, The Bank of Khyber ranks better than 55.3% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. The Bank of Khyber's annualizedNet Income for the quarter that ended in Mar. 2026 was ₨4,061 Mil. The Bank of Khyber's average total tangible assets for the quarter that ended in Mar. 2026 was ₨470,877 Mil. Therefore, The Bank of Khyber's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 0.86%.
The historical rank and industry rank for The Bank of Khyber's Return-on-Tangible-Asset or its related term are showing as below:
KAR:BOK'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.13 Med: 0.76 Max: 1.25
Current: 1.08
During the past 13 years, The Bank of Khyber's highest Return-on-Tangible-Asset was 1.25%. The lowest was 0.13%. And the median was 0.76%.
KAR:BOK's Return-on-Tangible-Asset is ranked better than 55.3% of 1528
companies
in the Banks industry
Industry Median: 1
vs KAR:BOK: 1.08
The Bank of Khyber (KAR:BOK) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
The Bank of Khyber Return-on-Tangible-Asset Related Terms
The Bank of Khyber Return-on-Tangible-Asset Historical Data
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The historical data trend for The Bank of Khyber's Return-on-Tangible-Asset 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.
The Bank of Khyber Return-on-Tangible-Asset Competitor Comparison
For the Banks - Regional subindustry, The Bank of Khyber's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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.
The Bank of Khyber Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, The Bank of Khyber's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where The Bank of Khyber's Return-on-Tangible-Asset falls into.
* 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 0.86% mean?
The Bank of Khyber (KAR:BOK) has a Return-on-Tangible-Asset of 0.86% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on The Bank of Khyber and its competitors. This is 13% above median its historical median of 0.76. Over the past decade, The Bank of Khyber's Return-on-Tangible-Asset has ranged from 0.13 to 1.25. According to the industry distribution chart, The Bank of Khyber ranks #683 out of 1528 companies in the Banks industry, placing it in the top 44.7%.
Is The Bank of Khyber's Return-on-Tangible-Asset too high?
The Bank of Khyber's current Return-on-Tangible-Asset of 0.86% is 13% above median its 10-year median of 0.76. Over the past 10 years, this metric has ranged from a low of 0.13 to a high of 1.25. The Banks industry median Return-on-Tangible-Asset is 1.00. The Bank of Khyber's value of 0.86% is 14% below this industry median. Based on the distribution chart, The Bank of Khyber ranks #683 out of 1528 companies in the Banks industry, which is above the industry midpoint. Overall, The Bank of Khyber has a GF Score™ of 55/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does The Bank of Khyber's Return-on-Tangible-Asset compare to competitors?
According to the Banks industry distribution chart, The Bank of Khyber ranks #683 out of 1528 companies for Return-on-Tangible-Asset. This puts The Bank of Khyber in the upper half of its industry. The industry median Return-on-Tangible-Asset is 1.00. The Bank of Khyber's value of 0.86% is 14% below this benchmark. Historically, The Bank of Khyber's own Return-on-Tangible-Asset has ranged from 0.13 to 1.25 over the past decade. While the company's 10-year median is 0.76 vs. the industry median of 1.00, The Bank of Khyber 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 1.00, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. The Bank of Khyber's current Return-on-Tangible-Asset of 0.86% is 14% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on The Bank of Khyber and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 1.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. The Bank of Khyber's current Return-on-Tangible-Asset is 0.86%, which is 13% above median its own 10-year median of 0.76. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is The Bank of Khyber stock overvalued right now?
Based on GuruFocus' analysis, The Bank of Khyber (KAR:BOK) is currently considered Significantly Overvalued. The stock's GF Value™ is ₨19.47, compared to a current price of ₨32.52 — trading 67% above its estimated fair value. The current Return-on-Tangible-Asset is 0.86%, which is 13% above median its 10-year median of 0.76 and 14% below the Banks industry median of 1.00. The Bank of Khyber's overall GF Score™ is 55/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For The Bank of Khyber (KAR:BOK), the current Return-on-Tangible-Asset is 0.86% 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 The Bank of Khyber (KAR:BOK) Overvalued in 2026?
Based on GuruFocus' analysis, The Bank of Khyber stock appears to be overvalued.
The current stock price of ₨32.52 is trading 67% above its estimated GF Value™ of ₨19.47.
GuruFocus considers The Bank of Khyber to be Significantly Overvalued.
Key valuation signals for KAR:BOK:
Return-on-Tangible-Asset: 0.86% (13% above median its 10-year median of 0.76)
GF Value™: ₨19.47 vs. price of ₨32.52 (67% above fair value)
Industry Position: 14% below the Banks median (#683 of 1528)
No single metric tells the full story. See the KAR:BOK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
The Bank of Khyber is engaged in the business of commercial banking and related services. It operates through various business segments that are Corporate Finance, which includes mergers and acquisition, underwriting, privatization, securitization, research, and others; Trading and Sales, which includes fixed income, equity, foreign exchanges, commodities, credit, funding, own position securities, and others; Retail Banking, which includes retail lending and deposits, banking services, trust and estates, and others; and Commercial Banking, which includes project finance, real estate, export finance, and others. Geographically, the company operates only in Pakistan.
55GF Score
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Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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