The Bank of KhyberKAR:BOK +1.24%55 Return-on-Tangible-Equity is 18.31% as of Mar. 2026, which is 52% above its 10-year median of 12.05. GuruFocus rates KAR:BOK with a GF Score™ of 55/100 and a GF Value™ of ₨19.32 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,526 Banks companies, The Bank of Khyber ranks better than 93.84% 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. The Bank of Khyber's annualized net income for the quarter that ended in Mar. 2026 was ₨4,061 Mil. The Bank of Khyber's average shareholder tangible equity for the quarter that ended in Mar. 2026 was ₨22,182 Mil. Therefore, The Bank of Khyber's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 18.31%.
The historical rank and industry rank for The Bank of Khyber's Return-on-Tangible-Equity or its related term are showing as below:
KAR:BOK'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 2.84 Med: 12.05 Max: 25.94
Current: 23.79
During the past 13 years, The Bank of Khyber's highest Return-on-Tangible-Equity was 25.94%. The lowest was 2.84%. And the median was 12.05%.
KAR:BOK's Return-on-Tangible-Equity is ranked better than 93.84% of 1526
companies
in the Banks industry
Industry Median: 11.195
vs KAR:BOK: 23.79
The Bank of Khyber (KAR:BOK) 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.
The Bank of Khyber Return-on-Tangible-Equity Related Terms
The Bank of Khyber Return-on-Tangible-Equity Historical Data
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The historical data trend for The Bank of Khyber'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.
The Bank of Khyber Return-on-Tangible-Equity Chart
The Bank of Khyber Return-on-Tangible-Equity Competitor Comparison
For the Banks - Regional subindustry, The Bank of Khyber'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.
The Bank of Khyber Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, The Bank of Khyber's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where The Bank of Khyber'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 18.31% mean?
The Bank of Khyber (KAR:BOK) has a Return-on-Tangible-Equity of 18.31% 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 The Bank of Khyber and its competitors. This is 52% above median its historical median of 12.05. Over the past decade, The Bank of Khyber's Return-on-Tangible-Equity has ranged from 2.84 to 25.94. According to the industry distribution chart, The Bank of Khyber ranks #94 out of 1526 companies in the Banks industry, placing it in the top 6.2%.
Is The Bank of Khyber's Return-on-Tangible-Equity too high?
The Bank of Khyber's current Return-on-Tangible-Equity of 18.31% is 52% above median its 10-year median of 12.05. Over the past 10 years, this metric has ranged from a low of 2.84 to a high of 25.94. The Banks industry median Return-on-Tangible-Equity is 11.20. The Bank of Khyber's value of 18.31% is 63.6% above this industry median. Based on the distribution chart, The Bank of Khyber ranks #94 out of 1526 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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-Equity compare to competitors?
According to the Banks industry distribution chart, The Bank of Khyber ranks #94 out of 1526 companies for Return-on-Tangible-Equity. This places The Bank of Khyber in the top 6% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.20. The Bank of Khyber's value of 18.31% is 63.6% above this benchmark. Historically, The Bank of Khyber's own Return-on-Tangible-Equity has ranged from 2.84 to 25.94 over the past decade. While the company's 10-year median is 12.05 vs. the industry median of 11.20, The Bank of Khyber 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 a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.20, based on 1,526 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. The Bank of Khyber's current Return-on-Tangible-Equity of 18.31% is 63.6% 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 The Bank of Khyber and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — 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-Equity is 18.31%, which is 52% above median its own 10-year median of 12.05. 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 ₨19.32, compared to a current price of ₨33.60 — trading 73.9% above its estimated fair value. The current Return-on-Tangible-Equity is 18.31%, which is 52% above median its 10-year median of 12.05 and 63.6% above the Banks industry median of 11.20. The Bank of Khyber's overall GF Score™ is 55/100 with 6 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 The Bank of Khyber (KAR:BOK), the current Return-on-Tangible-Equity is 18.31% 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 ₨33.60 is trading 73.9% above its estimated GF Value™ of ₨19.32.
GuruFocus considers The Bank of Khyber to be Significantly Overvalued.
Key valuation signals for KAR:BOK:
Return-on-Tangible-Equity: 18.31% (52% above median its 10-year median of 12.05)
GF Value™: ₨19.32 vs. price of ₨33.60 (73.9% above fair value)
Industry Position: 63.6% above the Banks median (#94 of 1526)
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-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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