Bank Alfalah (KAR:BAFL) ROE % Adjusted to Book Value: 25.27% (As of Mar. 2026)


KAR:BAFL Bank Alfalah Ltd KAR:BAFL
65 GF Score
Price ₨56.67
GF Value ₨37.20
Valuation Significantly Overvalued
! 4 Warning Signs
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What is Bank Alfalah ROE % Adjusted to Book Value?

Bank Alfalah KAR:BAFL -0.40% 65 ROE % Adjusted to Book Value is 25.27% as of Mar. 2026. GuruFocus rates KAR:BAFL with a GF Score™ of 65/100 and a GF Value™ of ₨37.20 (Significantly Overvalued). The stock has 4 warning signs investors should review.

Bank Alfalah's ROE % for the quarter that ended in Mar. 2026 was 22.49%. Bank Alfalah's PB Ratio for the quarter that ended in Mar. 2026 was 0.89. Bank Alfalah's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 25.27%.


Bank Alfalah ROE % Adjusted to Book Value Related Terms


Bank Alfalah ROE % Adjusted to Book Value Historical Data

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The historical data trend for Bank Alfalah's ROE % Adjusted to Book Value 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.

Bank Alfalah ROE % Adjusted to Book Value Chart

Bank Alfalah Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 24.77 38.43 54.89 34.46 16.94

Bank Alfalah Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 24.71 25.61 14.95 15.06 25.27

Bank Alfalah ROE % Adjusted to Book Value Competitor Comparison

For the Banks - Regional subindustry, Bank Alfalah's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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.


Bank Alfalah ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, Bank Alfalah's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Bank Alfalah's ROE % Adjusted to Book Value falls into.


KAR:BAFL
65GF Score
Bank Alfalah Ltd KAR:BAFL
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Bank Alfalah ROE % Adjusted to Book Value Calculation

Bank Alfalah's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=14.57% / 0.86
=16.94%

Bank Alfalah's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=22.49% / 0.89
=25.27%

* 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.

What does a ROE % Adjusted to Book Value of 25.27% mean?
Bank Alfalah (KAR:BAFL) has a ROE % Adjusted to Book Value of 25.27% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Bank Alfalah and its competitors.
Is Bank Alfalah's ROE % Adjusted to Book Value too high?
Bank Alfalah's current ROE % Adjusted to Book Value is 25.27%. Overall, Bank Alfalah has a GF Score™ of 65/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank Alfalah's ROE % Adjusted to Book Value compare to competitors?
Bank Alfalah's ROE % Adjusted to Book Value of 25.27% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Bank Alfalah and its competitors. Bank Alfalah's current ROE % Adjusted to Book Value is 25.27%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank Alfalah stock overvalued right now?
Based on GuruFocus' analysis, Bank Alfalah (KAR:BAFL) is currently considered Significantly Overvalued. The stock's GF Value™ is ₨37.20, compared to a current price of ₨56.67 — trading 52.3% above its estimated fair value. The current ROE % Adjusted to Book Value is 25.27%. Bank Alfalah's overall GF Score™ is 65/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Bank Alfalah (KAR:BAFL), the current ROE % Adjusted to Book Value is 25.27% 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 Bank Alfalah (KAR:BAFL) Overvalued in 2026?

Based on GuruFocus' analysis, Bank Alfalah stock appears to be overvalued. The current stock price of ₨56.67 is trading 52.3% above its estimated GF Value™ of ₨37.20. GuruFocus considers Bank Alfalah to be Significantly Overvalued.

Key valuation signals for KAR:BAFL:

  • ROE % Adjusted to Book Value: 25.27%
  • GF Value™: ₨37.20 vs. price of ₨56.67 (52.3% above fair value)
  • GF Score™: 65/100 with 4 warning signs

No single metric tells the full story. See the KAR:BAFL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Bank Alfalah Business Description

Address I. I. Chundrigar Road, B.A. Building, Karachi, PAK, 74000
Bank Alfalah Ltd is a banking company that provides financial services to retail, corporate and public sector customers. The Bank offers products and services including loans, deposits, project and trade financing, investment banking, wealth management, credit cards, auto loans, housing finance and personal loans, money market, capital market and foreign exchange operations. It also provides digital banking services through mobile app, internet banking, ATMs and contact center. The Bank operates through the segments Retail Banking, Corporate Banking, Islamic (Domestic Operations), Treasury, Digital Banking, Overseas and Others, and operates in three geographical regions namely Pakistan, Asia Pacific (including South Asia) and the Middle East.
65GF Score

Get the complete analysis for KAR:BAFL

ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₨56.67
Price
₨37.20
GF Value