Bank CenterCredit JSC (XKAZ:CCBN) ROE % Adjusted to Book Value: 31.65% (As of Mar. 2026)

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XKAZ:CCBN Bank CenterCredit JSC XKAZ:CCBN
55 GF Score
Price ₸4,498.84
GF Value ₸3,340.63
Valuation Significantly Overvalued
! 2 Warning Signs
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What is Bank CenterCredit JSC ROE % Adjusted to Book Value?

Bank CenterCredit JSC XKAZ:CCBN +0.20% 55 ROE % Adjusted to Book Value is 31.65% as of Mar. 2026. GuruFocus rates XKAZ:CCBN with a GF Score™ of 55/100 and a GF Value™ of ₸3,340.63 (Significantly Overvalued). The stock has 2 warning signs investors should review.

Bank CenterCredit JSC's ROE % for the quarter that ended in Mar. 2026 was 27.85%. Bank CenterCredit JSC's PB Ratio for the quarter that ended in Mar. 2026 was 0.88. Bank CenterCredit JSC's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 31.65%.


Bank CenterCredit JSC ROE % Adjusted to Book Value Related Terms


Bank CenterCredit JSC ROE % Adjusted to Book Value Historical Data

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The historical data trend for Bank CenterCredit 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.

Bank CenterCredit JSC ROE % Adjusted to Book Value Chart

Bank CenterCredit 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 30.46 158.95 90.70 59.81 37.19

Bank CenterCredit 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 67.30 44.52 33.17 25.70 31.65

XKAZ:CCBN vs PNC, USB: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, Bank CenterCredit 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.


Bank CenterCredit JSC ROE % Adjusted to Book Value vs Banks Industry

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

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


XKAZ:CCBN
55GF Score
Bank CenterCredit JSC XKAZ:CCBN
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Bank CenterCredit JSC ROE % Adjusted to Book Value Calculation

Bank CenterCredit 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
=36.07% / 0.97
=37.19%

Bank CenterCredit 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
=27.85% / 0.88
=31.65%

* 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 31.65% mean?
Bank CenterCredit JSC (XKAZ:CCBN) has a ROE % Adjusted to Book Value of 31.65% 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 CenterCredit JSC and its competitors.
Is Bank CenterCredit JSC's ROE % Adjusted to Book Value too high?
Bank CenterCredit JSC's current ROE % Adjusted to Book Value is 31.65%. Overall, Bank CenterCredit JSC has a GF Score™ of 55/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank CenterCredit JSC's ROE % Adjusted to Book Value compare to PNC and USB?
Bank CenterCredit JSC's ROE % Adjusted to Book Value of 31.65% 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 CenterCredit JSC and its competitors. Bank CenterCredit JSC's current ROE % Adjusted to Book Value is 31.65%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank CenterCredit JSC stock overvalued right now?
Based on GuruFocus' analysis, Bank CenterCredit JSC (XKAZ:CCBN) is currently considered Significantly Overvalued. The stock's GF Value™ is ₸3,340.63, compared to a current price of ₸4,498.84 — trading 34.7% above its estimated fair value. The current ROE % Adjusted to Book Value is 31.65%. Bank CenterCredit JSC's overall GF Score™ is 55/100 with 2 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 CenterCredit JSC (XKAZ:CCBN), the current ROE % Adjusted to Book Value is 31.65% 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 CenterCredit JSC (XKAZ:CCBN) Overvalued in 2026?

Based on GuruFocus' analysis, Bank CenterCredit JSC stock appears to be overvalued. The current stock price of ₸4,498.84 is trading 34.7% above its estimated GF Value™ of ₸3,340.63. GuruFocus considers Bank CenterCredit JSC to be Significantly Overvalued.

Key valuation signals for XKAZ:CCBN:

  • ROE % Adjusted to Book Value: 31.65%
  • GF Value™: ₸3,340.63 vs. price of ₸4,498.84 (34.7% above fair value)
  • GF Score™: 55/100 with 2 warning signs

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


Bank CenterCredit JSC Business Description

Other Exchanges CCBNP.PFD:Kazakhstan
Address 38, Al-Farabi Avenue, Almaty, KAZ, 050059
Bank CenterCredit JSC is a Kazakhstan-based commercial bank. The bank offers direct debit facilities, current accounts, deposits, overdrafts, loans and other credit facilities, private customer current accounts, saving deposits, investment saving products, custody, credit and debit cards, structured financing, money market operations, foreign currency and derivative products, brokerage and asset management services, merger and acquisitions advice, and provision of funding through the issue of debt securities and attracting loans.
55GF Score

Get the complete analysis for XKAZ:CCBN

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

₸4,498.84
Price
₸3,340.63
GF Value