Raiffeisen Bank Aval JSC (PFTS:BAVL) ROE % Adjusted to Book Value: 21.40% (As of Mar. 2026)


PFTS:BAVL Raiffeisen Bank Aval JSC PFTS:BAVL
6 GF Score
Price ₴0.46
GF Value ₴0.45
Valuation Fairly Valued
! 3 Warning Signs
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What is Raiffeisen Bank Aval JSC ROE % Adjusted to Book Value?

Raiffeisen Bank Aval JSC PFTS:BAVL 6 ROE % Adjusted to Book Value is 21.40% as of Mar. 2026. GuruFocus rates PFTS:BAVL with a GF Score™ of 6/100 and a GF Value™ of ₴0.45 (Fairly Valued). The stock has 3 warning signs investors should review.

Raiffeisen Bank Aval JSC's ROE % for the quarter that ended in Mar. 2026 was 12.84%. Raiffeisen Bank Aval JSC's PB Ratio for the quarter that ended in Mar. 2026 was 0.60. Raiffeisen Bank Aval JSC's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 21.40%.


Raiffeisen Bank Aval JSC ROE % Adjusted to Book Value Related Terms


Raiffeisen Bank Aval JSC ROE % Adjusted to Book Value Historical Data

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The historical data trend for Raiffeisen Bank Aval 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.

Raiffeisen Bank Aval JSC ROE % Adjusted to Book Value Chart

Raiffeisen Bank Aval 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 20.33 6.40 20.64 22.42 53.78

Raiffeisen Bank Aval 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 41.75 47.70 48.97 60.83 21.40

PFTS:BAVL vs PNC, USB: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, Raiffeisen Bank Aval 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.


Raiffeisen Bank Aval JSC ROE % Adjusted to Book Value vs Banks Industry

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

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


PFTS:BAVL
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Raiffeisen Bank Aval JSC PFTS:BAVL
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Raiffeisen Bank Aval JSC ROE % Adjusted to Book Value Calculation

Raiffeisen Bank Aval 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
=31.73% / 0.59
=53.78%

Raiffeisen Bank Aval 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
=12.84% / 0.60
=21.40%

* 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 21.40% mean?
Raiffeisen Bank Aval JSC (PFTS:BAVL) has a ROE % Adjusted to Book Value of 21.40% 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 Raiffeisen Bank Aval JSC and its competitors.
Is Raiffeisen Bank Aval JSC's ROE % Adjusted to Book Value too high?
Raiffeisen Bank Aval JSC's current ROE % Adjusted to Book Value is 21.40%. Overall, Raiffeisen Bank Aval JSC has a GF Score™ of 6/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Raiffeisen Bank Aval JSC's ROE % Adjusted to Book Value compare to PNC and USB?
Raiffeisen Bank Aval JSC's ROE % Adjusted to Book Value of 21.40% 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 Raiffeisen Bank Aval JSC and its competitors. Raiffeisen Bank Aval JSC's current ROE % Adjusted to Book Value is 21.40%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Raiffeisen Bank Aval JSC stock overvalued right now?
Based on GuruFocus' analysis, Raiffeisen Bank Aval JSC (PFTS:BAVL) is currently considered Fairly Valued. The stock's GF Value™ is ₴0.45, compared to a current price of ₴0.46 — trading 2.8% above its estimated fair value. The current ROE % Adjusted to Book Value is 21.40%. Raiffeisen Bank Aval JSC's overall GF Score™ is 6/100 with 3 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 Raiffeisen Bank Aval JSC (PFTS:BAVL), the current ROE % Adjusted to Book Value is 21.40% 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 Raiffeisen Bank Aval JSC (PFTS:BAVL) Overvalued in 2026?

Based on GuruFocus' analysis, Raiffeisen Bank Aval JSC stock appears to be overvalued. The current stock price of ₴0.46 is trading 2.8% above its estimated GF Value™ of ₴0.45. GuruFocus considers Raiffeisen Bank Aval JSC to be Fairly Valued.

Key valuation signals for PFTS:BAVL:

  • ROE % Adjusted to Book Value: 21.40%
  • GF Value™: ₴0.45 vs. price of ₴0.46 (2.8% above fair value)
  • GF Score™: 6/100 with 3 warning signs

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


Raiffeisen Bank Aval JSC Business Description

Address 9, Leskova Street, Kyiv, UKR, 01011
Raiffeisen Bank Aval JSC is a Ukraine based bank. It provides banking services to private individuals, corporate clients, and small and micro enterprises in Ukraine through electronic channels. It offers services and products to private individuals, including deposits; money transfers in UAH and foreign currencies, with or without opening an account; a wide list of new payment instruments including MasterCard and Visa International cards; consumer loans and many others. Its segments include Corporate & Small enterprises, Micro customers & Private individuals, Financial institutions, and Proprietary business. The majority of its revenue comes from Corporate & Small enterprises segment.
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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.

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