National Bank of PakistanKAR:NBP 61 ROA % is 0.90% as of Mar. 2026, which is 5% above its 10-year median of 0.86. GuruFocus rates KAR:NBP with a GF Score™ of 61/100 and a GF Value™ of ₨89.47 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,532 Banks companies, National Bank of Pakistan ranks better than 59.73% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. National Bank of Pakistan's annualizedNet Income for the quarter that ended in Mar. 2026 was ₨64,525 Mil.
National Bank of Pakistan's average Total Assets over the quarter that ended in Mar. 2026 was ₨7,137,139 Mil. Therefore, National Bank of Pakistan's annualized ROA % for the quarter that ended in Mar. 2026 was 0.90%.
The historical rank and industry rank for National Bank of Pakistan's ROA % or its related term are showing as below:
KAR:NBP'
s ROA % Range Over the Past 10 Years
Min: 0.39 Med: 0.86 Max: 1.24
Current: 1.13
During the past 13 years, National Bank of Pakistan's highest ROA % was 1.24%. The lowest was 0.39%. And the median was 0.86%.
KAR:NBP's ROA % is ranked better than 59.73% of 1532
companies
in the Banks industry
Industry Median: 0.98
vs KAR:NBP: 1.13
National Bank of Pakistan (KAR:NBP) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % 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 ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
* 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.
National Bank of Pakistan ROA % Competitor Comparison
For the Banks - Regional subindustry, National Bank of Pakistan's ROA %, along with its competitors' market caps and ROA % 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.
National Bank of Pakistan ROA % vs Banks Industry
For the Banks industry and Financial Services sector, National Bank of Pakistan's ROA % distribution charts can be found below:
* The bar in red indicates where National Bank of Pakistan's ROA % 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 ROA %, the net income of the last fiscal year and the average total 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.
ROA % is displayed in the 30-year financial page.
National Bank of Pakistan (KAR:NBP) has a ROA % of 0.90% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on National Bank of Pakistan and its competitors. This is near median its historical median of 0.86. Over the past decade, National Bank of Pakistan's ROA % has ranged from 0.39 to 1.24. According to the industry distribution chart, National Bank of Pakistan ranks #617 out of 1532 companies in the Banks industry, placing it in the top 40.3%.
Is National Bank of Pakistan's ROA % too high?
National Bank of Pakistan's current ROA % of 0.90% is near median its 10-year median of 0.86. Over the past 10 years, this metric has ranged from a low of 0.39 to a high of 1.24. The Banks industry median ROA % is 0.98. National Bank of Pakistan's value of 0.90% is 8.2% below this industry median. Based on the distribution chart, National Bank of Pakistan ranks #617 out of 1532 companies in the Banks industry, which is above the industry midpoint. Overall, National Bank of Pakistan has a GF Score™ of 61/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does National Bank of Pakistan's ROA % compare to competitors?
According to the Banks industry distribution chart, National Bank of Pakistan ranks #617 out of 1532 companies for ROA %. This puts National Bank of Pakistan in the upper half of its industry. The industry median ROA % is 0.98. National Bank of Pakistan's value of 0.90% is 8.2% below this benchmark. Historically, National Bank of Pakistan's own ROA % has ranged from 0.39 to 1.24 over the past decade. While the company's 10-year median is 0.86 vs. the industry median of 0.98, National Bank of 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 ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,532 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. National Bank of Pakistan's current ROA % of 0.90% is 8.2% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on National Bank of Pakistan and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. National Bank of Pakistan's current ROA % is 0.90%, which is near median its own 10-year median of 0.86. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is National Bank of Pakistan stock overvalued right now?
Based on GuruFocus' analysis, National Bank of Pakistan (KAR:NBP) is currently considered Significantly Overvalued. The stock's GF Value™ is ₨89.47, compared to a current price of ₨201.73 — trading 125.5% above its estimated fair value. The current ROA % is 0.90%, which is near median its 10-year median of 0.86 and 8.2% below the Banks industry median of 0.98. National Bank of Pakistan's overall GF Score™ is 61/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For National Bank of Pakistan (KAR:NBP), the current ROA % is 0.90% 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 National Bank of Pakistan (KAR:NBP) Overvalued in 2026?
Based on GuruFocus' analysis, National Bank of Pakistan stock appears to be overvalued.
The current stock price of ₨201.73 is trading 125.5% above its estimated GF Value™ of ₨89.47.
GuruFocus considers National Bank of Pakistan to be Significantly Overvalued.
Key valuation signals for KAR:NBP:
ROA %: 0.90% (near median its 10-year median of 0.86)
GF Value™: ₨89.47 vs. price of ₨201.73 (125.5% above fair value)
Industry Position: 8.2% below the Banks median (#617 of 1532)
No single metric tells the full story. See the KAR:NBP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
National Bank of Pakistan is a commercial bank that provides banking and related services in Pakistan and overseas. The bank offers diversified banking services across retail, commercial, corporate and investment, Islamic, treasury, and international banking segments. Geographically, it derives a majority of its revenue from Pakistan. Approximately the Bank operates an extensive domestic network of 1,503 branches, including the Export Processing Zone branch in Karachi, and maintains 14 international branches.
61GF Score
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