Standard Chartered Bank (Pakistan)KAR:SCBPL +0.52%71 Return-on-Tangible-Equity is 27.55% as of Mar. 2026, which is 10% below its 10-year median of 30.77. GuruFocus rates KAR:SCBPL with a GF Score™ of 71/100 and a GF Value™ of ₨35.90 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,523 Banks companies, Standard Chartered Bank (Pakistan) ranks better than 96.85% on this metric.
The historical rank and industry rank for Standard Chartered Bank (Pakistan)'s Return-on-Tangible-Equity or its related term are showing as below:
KAR:SCBPL'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 22.89 Med: 30.77 Max: 64.8
Current: 32.66
During the past 13 years, Standard Chartered Bank (Pakistan)'s highest Return-on-Tangible-Equity was 64.80%. The lowest was 22.89%. And the median was 30.77%.
KAR:SCBPL's Return-on-Tangible-Equity is ranked better than 96.85% of 1523
companies
in the Banks industry
Industry Median: 11.2
vs KAR:SCBPL: 32.66
Standard Chartered Bank (Pakistan) (KAR:SCBPL) 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.
Standard Chartered Bank (Pakistan) Return-on-Tangible-Equity Related Terms
Standard Chartered Bank (Pakistan) Return-on-Tangible-Equity 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) Return-on-Tangible-Equity Chart
Standard Chartered Bank (Pakistan) Return-on-Tangible-Equity Competitor Comparison
For the Banks - Regional subindustry, Standard Chartered Bank (Pakistan)'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.
Standard Chartered Bank (Pakistan) Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Standard Chartered Bank (Pakistan)'s Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Standard Chartered Bank (Pakistan)'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 27.55% mean?
Standard Chartered Bank (Pakistan) (KAR:SCBPL) has a Return-on-Tangible-Equity of 27.55% 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 Standard Chartered Bank (Pakistan) and its competitors. This is 10% below median its historical median of 30.77. Over the past decade, Standard Chartered Bank (Pakistan)'s Return-on-Tangible-Equity has ranged from 22.89 to 64.80. According to the industry distribution chart, Standard Chartered Bank (Pakistan) ranks #48 out of 1523 companies in the Banks industry, placing it in the top 3.2%.
Is Standard Chartered Bank (Pakistan)'s Return-on-Tangible-Equity too high?
Standard Chartered Bank (Pakistan)'s current Return-on-Tangible-Equity of 27.55% is 10% below median its 10-year median of 30.77. Over the past 10 years, this metric has ranged from a low of 22.89 to a high of 64.80. The Banks industry median Return-on-Tangible-Equity is 11.20. Standard Chartered Bank (Pakistan)'s value of 27.55% is 146% above this industry median. Based on the distribution chart, Standard Chartered Bank (Pakistan) ranks #48 out of 1523 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Standard Chartered Bank (Pakistan) has a GF Score™ of 71/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Standard Chartered Bank (Pakistan)'s Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, Standard Chartered Bank (Pakistan) ranks #48 out of 1523 companies for Return-on-Tangible-Equity. This places Standard Chartered Bank (Pakistan) in the top 3% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.20. Standard Chartered Bank (Pakistan)'s value of 27.55% is 146% above this benchmark. Historically, Standard Chartered Bank (Pakistan)'s own Return-on-Tangible-Equity has ranged from 22.89 to 64.80 over the past decade. While the company's 10-year median is 30.77 vs. the industry median of 11.20, Standard Chartered Bank (Pakistan) 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 1,523 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. Standard Chartered Bank (Pakistan)'s current Return-on-Tangible-Equity of 27.55% is 146% 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 Standard Chartered Bank (Pakistan) 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. Standard Chartered Bank (Pakistan)'s current Return-on-Tangible-Equity is 27.55%, which is 10% below median its own 10-year median of 30.77. 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 ₨35.90, compared to a current price of ₨65.86 — trading 83.5% above its estimated fair value. The current Return-on-Tangible-Equity is 27.55%, which is 10% below median its 10-year median of 30.77 and 146% above the Banks industry median of 11.20. Standard Chartered Bank (Pakistan)'s overall GF Score™ is 71/100 with 7 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 Standard Chartered Bank (Pakistan) (KAR:SCBPL), the current Return-on-Tangible-Equity is 27.55% 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 ₨65.86 is trading 83.5% above its estimated GF Value™ of ₨35.90.
GuruFocus considers Standard Chartered Bank (Pakistan) to be Significantly Overvalued.
Key valuation signals for KAR:SCBPL:
Return-on-Tangible-Equity: 27.55% (10% below median its 10-year median of 30.77)
GF Value™: ₨35.90 vs. price of ₨65.86 (83.5% above fair value)
Industry Position: 146% above the Banks median (#48 of 1523)
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) Business Description
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.
71GF 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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