National Bank of Pakistan (KAR:NBP) ROE % Adjusted to Book Value: 16.18% (As of Mar. 2026)


KAR:NBP National Bank of Pakistan KAR:NBP
63 GF Score
Price ₨208.80
GF Value ₨89.84
Valuation Significantly Overvalued
! 4 Warning Signs
View Full Analysis

What is National Bank of Pakistan ROE % Adjusted to Book Value?

National Bank of Pakistan KAR:NBP +1.34% 63 ROE % Adjusted to Book Value is 16.18% as of Mar. 2026. GuruFocus rates KAR:NBP with a GF Score™ of 63/100 and a GF Value™ of ₨89.84 (Significantly Overvalued). The stock has 4 warning signs investors should review.

National Bank of Pakistan's ROE % for the quarter that ended in Mar. 2026 was 13.27%. National Bank of Pakistan's PB Ratio for the quarter that ended in Mar. 2026 was 0.82. National Bank of Pakistan's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 16.18%.


National Bank of Pakistan ROE % Adjusted to Book Value Related Terms


National Bank of Pakistan ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for National Bank of Pakistan'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.

National Bank of Pakistan ROE % Adjusted to Book Value Chart

National Bank of Pakistan 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 40.32 63.88 88.53 19.52 17.74

National Bank of Pakistan 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 53.44 37.62 21.69 15.29 16.18

National Bank of Pakistan ROE % Adjusted to Book Value Competitor Comparison

For the Banks - Regional subindustry, National Bank of Pakistan'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.


National Bank of Pakistan ROE % Adjusted to Book Value vs Banks Industry

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

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


KAR:NBP
63GF Score
National Bank of Pakistan KAR:NBP
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

National Bank of Pakistan ROE % Adjusted to Book Value Calculation

National Bank of Pakistan'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
=17.03% / 0.96
=17.74%

National Bank of Pakistan'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
=13.27% / 0.82
=16.18%

* 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 16.18% mean?
National Bank of Pakistan (KAR:NBP) has a ROE % Adjusted to Book Value of 16.18% 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 National Bank of Pakistan and its competitors.
Is National Bank of Pakistan's ROE % Adjusted to Book Value too high?
National Bank of Pakistan's current ROE % Adjusted to Book Value is 16.18%. Overall, National Bank of Pakistan has a GF Score™ of 63/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does National Bank of Pakistan's ROE % Adjusted to Book Value compare to competitors?
National Bank of Pakistan's ROE % Adjusted to Book Value of 16.18% 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 National Bank of Pakistan and its competitors. National Bank of Pakistan's current ROE % Adjusted to Book Value is 16.18%. 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 ₨89.84, compared to a current price of ₨208.80 — trading 132.4% above its estimated fair value. The current ROE % Adjusted to Book Value is 16.18%. National Bank of Pakistan's overall GF Score™ is 63/100 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 National Bank of Pakistan (KAR:NBP), the current ROE % Adjusted to Book Value is 16.18% 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 ₨208.80 is trading 132.4% above its estimated GF Value™ of ₨89.84. GuruFocus considers National Bank of Pakistan to be Significantly Overvalued.

Key valuation signals for KAR:NBP:

  • ROE % Adjusted to Book Value: 16.18%
  • GF Value™: ₨89.84 vs. price of ₨208.80 (132.4% above fair value)
  • GF Score™: 63/100 with 4 warning signs

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 Business Description

Address I.I. Chundrigar Road, NBP Building, Karachi, SD, PAK
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.
63GF Score

Get the complete analysis for KAR:NBP

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

₨208.80
Price
₨89.84
GF Value