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Shahjalal Islami BankDHA:SHAHJABANK 77 ROE % is 27.24% as of Jun. 2026, which is 125% above its 10-year median of 12.11. GuruFocus rates DHA:SHAHJABANK with a GF Score™ of 77/100 and a GF Value™ of BDT25.17 (Significantly Undervalued). Among 1,520 Banks companies, Shahjalal Islami Bank ranks better than 81.38% on this metric.
Shahjalal Islami Bank (DHA:SHAHJABANK) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Jun. 2026) net income data. The Revenue data used here is four times the quarterly (Jun. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
* 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.
For the Banks - Regional subindustry, Shahjalal Islami Bank's ROE %, along with its competitors' market caps and ROE % 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.
Shahjalal Islami Bank ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Shahjalal Islami Bank's ROE % distribution charts can be found below:
* The bar in red indicates where Shahjalal Islami Bank's ROE % falls into.
* 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Jun. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Shahjalal Islami Bank (DHA:SHAHJABANK) has a ROE % of 27.24% as of Jun. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Shahjalal Islami Bank and its competitors. This is 125% above median its historical median of 12.11. Over the past decade, Shahjalal Islami Bank's ROE % has ranged from 7.16 to 17.14. According to the industry distribution chart, Shahjalal Islami Bank ranks #283 out of 1520 companies in the Banks industry, placing it in the top 18.6%.
Is Shahjalal Islami Bank's ROE % too high?
Shahjalal Islami Bank's current ROE % of 27.24% is 125% above median its 10-year median of 12.11. Over the past 10 years, this metric has ranged from a low of 7.16 to a high of 17.14. The Banks industry median ROE % is 10.50. Shahjalal Islami Bank's value of 27.24% is 159.4% above this industry median. Based on the distribution chart, Shahjalal Islami Bank ranks #283 out of 1520 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Shahjalal Islami Bank has a GF Score™ of 77/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Shahjalal Islami Bank's ROE % compare to competitors?
According to the Banks industry distribution chart, Shahjalal Islami Bank ranks #283 out of 1520 companies for ROE %. This places Shahjalal Islami Bank in the top 19% of its industry — outperforming the majority of peers. The industry median ROE % is 10.50. Shahjalal Islami Bank's value of 27.24% is 159.4% above this benchmark. Historically, Shahjalal Islami Bank's own ROE % has ranged from 7.16 to 17.14 over the past decade. While the company's 10-year median is 12.11 vs. the industry median of 10.50, Shahjalal Islami Bank has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % for a Banks company?
The median ROE % among Banks companies is 10.50, based on 1,520 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Shahjalal Islami Bank's current ROE % of 27.24% is 159.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Shahjalal Islami Bank and its competitors. For the Banks industry, the median ROE % is 10.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Shahjalal Islami Bank's current ROE % is 27.24%, which is 125% above median its own 10-year median of 12.11. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Shahjalal Islami Bank stock overvalued right now?
Based on GuruFocus' analysis, Shahjalal Islami Bank (DHA:SHAHJABANK) is currently considered Significantly Undervalued. The stock's GF Value™ is BDT25.17, compared to a current price of BDT17.50 — trading 30.5% below its estimated fair value. The current ROE % is 27.24%, which is 125% above median its 10-year median of 12.11 and 159.4% above the Banks industry median of 10.50. Shahjalal Islami Bank's overall GF Score™ is 77/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For Shahjalal Islami Bank (DHA:SHAHJABANK), the current ROE % is 27.24% as of Jun. 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 Shahjalal Islami Bank (DHA:SHAHJABANK) Overvalued in 2026?
Based on GuruFocus' analysis, Shahjalal Islami Bank stock appears to be undervalued.
The current stock price of BDT17.50 is trading 30.5% below its estimated GF Value™ of BDT25.17.
GuruFocus considers Shahjalal Islami Bank to be Significantly Undervalued.
Key valuation signals for DHA:SHAHJABANK:
ROE %: 27.24% (125% above median its 10-year median of 12.11)
GF Value™: BDT25.17 vs. price of BDT17.50 (30.5% below fair value)
Industry Position: 159.4% above the Banks median (#283 of 1520)
No single metric tells the full story. See the DHA:SHAHJABANK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Shahjalal Islami Bank PLC provides commercial banking products and services in Bangladesh. It offers various deposit products, including current deposit accounts, savings deposit accounts, term deposit accounts, and short-notice deposit accounts. The company generates revenue from segments, namely, Corporate Banking, SME Banking, Retail Banking, and Treasury.
77GF Score
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