Arif HabibKAR:AHCL +1.23%59 Return-on-Tangible-Equity is 22.03% as of Mar. 2026, which is 54% above its 10-year median of 14.30. GuruFocus rates KAR:AHCL with a GF Score™ of 59/100 and a GF Value™ of ₨6.63 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 425 Utilities - Independent Power Producers companies, Arif Habib ranks better than 87.06% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Arif Habib's annualized net income for the quarter that ended in Mar. 2026 was ₨11,697 Mil. Arif Habib's average shareholder tangible equity for the quarter that ended in Mar. 2026 was ₨53,089 Mil. Therefore, Arif Habib's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 22.03%.
The historical rank and industry rank for Arif Habib's Return-on-Tangible-Equity or its related term are showing as below:
KAR:AHCL'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 0.74 Med: 14.3 Max: 29.11
Current: 23.79
During the past 13 years, Arif Habib's highest Return-on-Tangible-Equity was 29.11%. The lowest was 0.74%. And the median was 14.30%.
KAR:AHCL's Return-on-Tangible-Equity is ranked better than 87.06% of 425
companies
in the Utilities - Independent Power Producers industry
Industry Median: 4.71
vs KAR:AHCL: 23.79
Arif Habib (KAR:AHCL) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Arif Habib Return-on-Tangible-Equity Related Terms
Arif Habib Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Arif Habib's Return-on-Tangible-Equity 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.
Arif Habib Return-on-Tangible-Equity Competitor Comparison
For the Utilities - Renewable subindustry, Arif Habib's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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.
Arif Habib Return-on-Tangible-Equity vs Utilities - Independent Power Producers Industry
For the Utilities - Independent Power Producers industry and Utilities sector, Arif Habib's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Arif Habib's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 22.03% mean?
Arif Habib (KAR:AHCL) has a Return-on-Tangible-Equity of 22.03% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Arif Habib and its competitors. This is 54% above median its historical median of 14.30. Over the past decade, Arif Habib's Return-on-Tangible-Equity has ranged from 0.74 to 29.11. According to the industry distribution chart, Arif Habib ranks #55 out of 425 companies in the Utilities - Independent Power Producers industry, placing it in the top 12.9%.
Is Arif Habib's Return-on-Tangible-Equity too high?
Arif Habib's current Return-on-Tangible-Equity of 22.03% is 54% above median its 10-year median of 14.30. Over the past 10 years, this metric has ranged from a low of 0.74 to a high of 29.11. The Utilities - Independent Power Producers industry median Return-on-Tangible-Equity is 4.71. Arif Habib's value of 22.03% is 367.7% above this industry median. Based on the distribution chart, Arif Habib ranks #55 out of 425 companies in the Utilities - Independent Power Producers industry, which is in the top quartile — a strong position relative to peers. Overall, Arif Habib has a GF Score™ of 59/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Arif Habib's Return-on-Tangible-Equity compare to competitors?
According to the Utilities - Independent Power Producers industry distribution chart, Arif Habib ranks #55 out of 425 companies for Return-on-Tangible-Equity. This places Arif Habib in the top 13% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 4.71. Arif Habib's value of 22.03% is 367.7% above this benchmark. Historically, Arif Habib's own Return-on-Tangible-Equity has ranged from 0.74 to 29.11 over the past decade. While the company's 10-year median is 14.30 vs. the industry median of 4.71, Arif Habib has consistently been above 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-Equity for an Utilities - Independent Power Producers company?
The median Return-on-Tangible-Equity among Utilities - Independent Power Producers companies is 4.71, based on 425 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Arif Habib's current Return-on-Tangible-Equity of 22.03% is 367.7% above 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-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Arif Habib and its competitors. For the Utilities - Independent Power Producers industry, the median Return-on-Tangible-Equity is 4.71 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Arif Habib's current Return-on-Tangible-Equity is 22.03%, which is 54% above median its own 10-year median of 14.30. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Arif Habib stock overvalued right now?
Based on GuruFocus' analysis, Arif Habib (KAR:AHCL) is currently considered Significantly Overvalued. The stock's GF Value™ is ₨6.63, compared to a current price of ₨16.41 — trading 147.5% above its estimated fair value. The current Return-on-Tangible-Equity is 22.03%, which is 54% above median its 10-year median of 14.30 and 367.7% above the Utilities - Independent Power Producers industry median of 4.71. Arif Habib's overall GF Score™ is 59/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Arif Habib (KAR:AHCL), the current Return-on-Tangible-Equity is 22.03% 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 Arif Habib (KAR:AHCL) Overvalued in 2026?
Based on GuruFocus' analysis, Arif Habib stock appears to be overvalued.
The current stock price of ₨16.41 is trading 147.5% above its estimated GF Value™ of ₨6.63.
GuruFocus considers Arif Habib to be Significantly Overvalued.
Key valuation signals for KAR:AHCL:
Return-on-Tangible-Equity: 22.03% (54% above median its 10-year median of 14.30)
GF Value™: ₨6.63 vs. price of ₨16.41 (147.5% above fair value)
Industry Position: 367.7% above the Utilities - Independent Power Producers median (#55 of 425)
No single metric tells the full story. See the KAR:AHCL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Arif Habib Corp Ltd generates and sells electricity in Pakistan. It is also engaged in providing equity and debt brokerage, as well as corporate finance services to institutional, corporate, high-net-worth, and retail clients. Its segments are Capital market operations; Brokerage; Energy Development, and Others. The firm generates the majority of revenue from the Energy segment. The Energy segment is engaged in energy development. The brokerage segment is engaged in brokerage, underwriting, corporate consultancy, research, and corporate finance services. Capital market operations segment is engaged in trading of equity securities and maintaining strategic and trading portfolios. Others include assets of RCPL.
59GF Score
Get the complete analysis for KAR:AHCL
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
KAR:AHCL has been successfully added to your 
