Halyk Bank of Kazakhstan JSC (LSE:HSBK) ROE % Adjusted to Book Value: 24.27% (As of Mar. 2026)


LSE:HSBK Halyk Bank of Kazakhstan JSC LSE:HSBK
81 GF Score
Price $30.40
GF Value $26.71
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Halyk Bank of Kazakhstan JSC ROE % Adjusted to Book Value?

Halyk Bank of Kazakhstan JSC LSE:HSBK +1.33% 81 ROE % Adjusted to Book Value is 24.27% as of Mar. 2026. GuruFocus rates LSE:HSBK with a GF Score™ of 81/100 and a GF Value™ of $26.71 (Modestly Overvalued). The stock has 4 warning signs investors should review.

Halyk Bank of Kazakhstan JSC's ROE % for the quarter that ended in Mar. 2026 was 26.45%. Halyk Bank of Kazakhstan JSC's PB Ratio for the quarter that ended in Mar. 2026 was 1.09. Halyk Bank of Kazakhstan JSC's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 24.27%.


Halyk Bank of Kazakhstan JSC ROE % Adjusted to Book Value Related Terms


Halyk Bank of Kazakhstan JSC ROE % Adjusted to Book Value Historical Data

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The historical data trend for Halyk Bank of Kazakhstan JSC'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.

Halyk Bank of Kazakhstan JSC ROE % Adjusted to Book Value Chart

Halyk Bank of Kazakhstan JSC 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 24.58 42.91 40.38 35.46 28.18

Halyk Bank of Kazakhstan JSC 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 34.94 28.14 29.49 26.41 24.27

LSE:HSBK vs PNC, USB: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, Halyk Bank of Kazakhstan JSC'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.


Halyk Bank of Kazakhstan JSC ROE % Adjusted to Book Value vs Banks Industry

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

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


LSE:HSBK
81GF Score
Halyk Bank of Kazakhstan JSC LSE:HSBK
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Halyk Bank of Kazakhstan JSC ROE % Adjusted to Book Value Calculation

Halyk Bank of Kazakhstan JSC'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
=32.69% / 1.16
=28.18%

Halyk Bank of Kazakhstan JSC'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
=26.45% / 1.09
=24.27%

* 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 24.27% mean?
Halyk Bank of Kazakhstan JSC (LSE:HSBK) has a ROE % Adjusted to Book Value of 24.27% 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 Halyk Bank of Kazakhstan JSC and its competitors.
Is Halyk Bank of Kazakhstan JSC's ROE % Adjusted to Book Value too high?
Halyk Bank of Kazakhstan JSC's current ROE % Adjusted to Book Value is 24.27%. Overall, Halyk Bank of Kazakhstan JSC has a GF Score™ of 81/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Halyk Bank of Kazakhstan JSC's ROE % Adjusted to Book Value compare to PNC and USB?
Halyk Bank of Kazakhstan JSC's ROE % Adjusted to Book Value of 24.27% 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 Halyk Bank of Kazakhstan JSC and its competitors. Halyk Bank of Kazakhstan JSC's current ROE % Adjusted to Book Value is 24.27%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Halyk Bank of Kazakhstan JSC stock overvalued right now?
Based on GuruFocus' analysis, Halyk Bank of Kazakhstan JSC (LSE:HSBK) is currently considered Modestly Overvalued. The stock's GF Value™ is $26.71, compared to a current price of $30.40 — trading 13.8% above its estimated fair value. The current ROE % Adjusted to Book Value is 24.27%. Halyk Bank of Kazakhstan JSC's overall GF Score™ is 81/100 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 Halyk Bank of Kazakhstan JSC (LSE:HSBK), the current ROE % Adjusted to Book Value is 24.27% 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 Halyk Bank of Kazakhstan JSC (LSE:HSBK) Overvalued in 2026?

Based on GuruFocus' analysis, Halyk Bank of Kazakhstan JSC stock appears to be overvalued. The current stock price of $30.40 is trading 13.8% above its estimated GF Value™ of $26.71. GuruFocus considers Halyk Bank of Kazakhstan JSC to be Modestly Overvalued.

Key valuation signals for LSE:HSBK:

  • ROE % Adjusted to Book Value: 24.27%
  • GF Value™: $26.71 vs. price of $30.40 (13.8% above fair value)
  • GF Score™: 81/100 with 4 warning signs

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


Halyk Bank of Kazakhstan JSC Business Description

Address 40, Al-Farabi Avenue, Almaty, KAZ, A26M3K5
Halyk Bank of Kazakhstan JSC is engaged in retail, corporate, and SME banking services. It also provides insurance, cash collection, asset management, brokerage, telecommunication, and leasing services. The group has four main business segments: Corporate Banking, SME Banking, Retail Banking, and Investment Banking. The majority of revenue derives from the corporate banking segment, which includes banking services to corporate clients and financial institutions, including current accounts and correspondent accounts, deposits, custody, overdrafts, loans and other credit facilities, documentary operations, including guarantees and letters of credit, trade finance products, as well as cash services and foreign exchange transactions.
81GF Score

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

$30.40
Price
$26.71
GF Value