Halyk Bank of Kazakhstan JSCHALYY 69 ROE % is 26.45% as of Mar. 2026, which is 8% below its 10-year median of 28.77. GuruFocus rates HALYY with a GF Score™ of 69/100. The stock has 7 warning signs investors should review. Among 1,524 Banks companies, Halyk Bank of Kazakhstan JSC ranks better than 97.24% on this metric.
The historical rank and industry rank for Halyk Bank of Kazakhstan JSC's ROE % or its related term are showing as below:
HALYY'
s ROE % Range Over the Past 10 Years
Min: 21.98 Med: 28.77 Max: 33.22
Current: 29.98
During the past 13 years, Halyk Bank of Kazakhstan JSC's highest ROE % was 33.22%. The lowest was 21.98%. And the median was 28.77%.
HALYY's ROE % is ranked better than 97.24% of 1524
companies
in the Banks industry
Industry Median: 10.22
vs HALYY: 29.98
Halyk Bank of Kazakhstan JSC (OTCPK:HALYY) 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 (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 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.
Halyk Bank of Kazakhstan JSC ROE % Related Terms
Halyk Bank of Kazakhstan JSC ROE % Historical Data
* 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, Halyk Bank of Kazakhstan JSC'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.
Halyk Bank of Kazakhstan JSC ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Halyk Bank of Kazakhstan JSC's ROE % distribution charts can be found below:
* The bar in red indicates where Halyk Bank of Kazakhstan JSC'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 (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Halyk Bank of Kazakhstan JSC (HALYY) has a ROE % of 26.45% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Halyk Bank of Kazakhstan JSC and its competitors. This is near median its historical median of 28.77. Over the past decade, Halyk Bank of Kazakhstan JSC's ROE % has ranged from 21.98 to 33.22. According to the industry distribution chart, Halyk Bank of Kazakhstan JSC ranks #42 out of 1524 companies in the Banks industry, placing it in the top 2.8%.
Is Halyk Bank of Kazakhstan JSC's ROE % too high?
Halyk Bank of Kazakhstan JSC's current ROE % of 26.45% is near median its 10-year median of 28.77. Over the past 10 years, this metric has ranged from a low of 21.98 to a high of 33.22. The Banks industry median ROE % is 10.22. Halyk Bank of Kazakhstan JSC's value of 26.45% is 158.8% above this industry median. Based on the distribution chart, Halyk Bank of Kazakhstan JSC ranks #42 out of 1524 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Halyk Bank of Kazakhstan JSC has a GF Score™ of 69/100, reflecting its overall financial health beyond just this single metric.
How does Halyk Bank of Kazakhstan JSC's ROE % compare to PNC and USB?
According to the Banks industry distribution chart, Halyk Bank of Kazakhstan JSC ranks #42 out of 1524 companies for ROE %. This places Halyk Bank of Kazakhstan JSC in the top 3% of its industry — outperforming the majority of peers. The industry median ROE % is 10.22. Halyk Bank of Kazakhstan JSC's value of 26.45% is 158.8% above this benchmark. Historically, Halyk Bank of Kazakhstan JSC's own ROE % has ranged from 21.98 to 33.22 over the past decade. While the company's 10-year median is 28.77 vs. the industry median of 10.22, Halyk Bank of Kazakhstan JSC 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 10.22, based on 1,524 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. Halyk Bank of Kazakhstan JSC's current ROE % of 26.45% is 158.8% 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 Halyk Bank of Kazakhstan JSC and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Halyk Bank of Kazakhstan JSC's current ROE % is 26.45%, which is near median its own 10-year median of 28.77. 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?
Halyk Bank of Kazakhstan JSC (HALYY) has a current ROE % of 26.45%. The current ROE % is 26.45%, which is near median its 10-year median of 28.77 and 158.8% above the Banks industry median of 10.22. Halyk Bank of Kazakhstan JSC's overall GF Score™ is 69/100 with 7 warning signs to review. 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 Halyk Bank of Kazakhstan JSC (HALYY), the current ROE % is 26.45% 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.
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.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
HALYY has been successfully added to your 