Arif HabibKAR:AHCL +1.27%58 ROE % is 21.66% as of Mar. 2026, which is 58% above its 10-year median of 13.68. GuruFocus rates KAR:AHCL with a GF Score™ of 58/100 and a GF Value™ of ₨6.60 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 433 Utilities - Independent Power Producers companies, Arif Habib ranks better than 93.07% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Arif Habib's annualized net income for the quarter that ended in Mar. 2026 was ₨11,697 Mil. Arif Habib's average Total Stockholders Equity over the quarter that ended in Mar. 2026 was ₨54,005 Mil. Therefore, Arif Habib's annualized ROE % for the quarter that ended in Mar. 2026 was 21.66%.
The historical rank and industry rank for Arif Habib's ROE % or its related term are showing as below:
KAR:AHCL'
s ROE % Range Over the Past 10 Years
Min: 0.7 Med: 13.68 Max: 28.1
Current: 23.37
During the past 13 years, Arif Habib's highest ROE % was 28.10%. The lowest was 0.70%. And the median was 13.68%.
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.
Arif Habib ROE % Related Terms
Arif Habib ROE % Historical Data
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The historical data trend for Arif Habib's ROE % 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.
For the Utilities - Renewable subindustry, Arif Habib'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.
Arif Habib ROE % vs Utilities - Independent Power Producers Industry
For the Utilities - Independent Power Producers industry and Utilities sector, Arif Habib's ROE % distribution charts can be found below:
* The bar in red indicates where Arif Habib'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.
Arif Habib (KAR:AHCL) has a ROE % of 21.66% 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 Arif Habib and its competitors. This is 58% above median its historical median of 13.68. Over the past decade, Arif Habib's ROE % has ranged from 0.70 to 28.10. According to the industry distribution chart, Arif Habib ranks #30 out of 433 companies in the Utilities - Independent Power Producers industry, placing it in the top 6.9%.
Is Arif Habib's ROE % too high?
Arif Habib's current ROE % of 21.66% is 58% above median its 10-year median of 13.68. Over the past 10 years, this metric has ranged from a low of 0.70 to a high of 28.10. The Utilities - Independent Power Producers industry median ROE % is 3.80. Arif Habib's value of 21.66% is 470% above this industry median. Based on the distribution chart, Arif Habib ranks #30 out of 433 companies in the Utilities - Independent Power Producers industry, which is in the top quartile — a strong position relative to peers. Overall, Arif Habib has a GF Score™ of 58/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Arif Habib's ROE % compare to competitors?
According to the Utilities - Independent Power Producers industry distribution chart, Arif Habib ranks #30 out of 433 companies for ROE %. This places Arif Habib in the top 7% of its industry — outperforming the majority of peers. The industry median ROE % is 3.80. Arif Habib's value of 21.66% is 470% above this benchmark. Historically, Arif Habib's own ROE % has ranged from 0.70 to 28.10 over the past decade. While the company's 10-year median is 13.68 vs. the industry median of 3.80, Arif Habib 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 an Utilities - Independent Power Producers company?
The median ROE % among Utilities - Independent Power Producers companies is 3.80, based on 433 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. Arif Habib's current ROE % of 21.66% is 470% 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 Arif Habib and its competitors. For the Utilities - Independent Power Producers industry, the median ROE % is 3.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Arif Habib's current ROE % is 21.66%, which is 58% above median its own 10-year median of 13.68. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Arif Habib stock overvalued right now?
Based on GuruFocus' analysis, Arif Habib (KAR:AHCL) is currently considered Significantly Overvalued. The stock's GF Value™ is ₨6.60, compared to a current price of ₨15.99 — trading 142.3% above its estimated fair value. The current ROE % is 21.66%, which is 58% above median its 10-year median of 13.68 and 470% above the Utilities - Independent Power Producers industry median of 3.80. Arif Habib's overall GF Score™ is 58/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For Arif Habib (KAR:AHCL), the current ROE % is 21.66% 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 Arif Habib (KAR:AHCL) Overvalued in 2026?
Based on GuruFocus' analysis, Arif Habib stock appears to be overvalued.
The current stock price of ₨15.99 is trading 142.3% above its estimated GF Value™ of ₨6.60.
GuruFocus considers Arif Habib to be Significantly Overvalued.
Key valuation signals for KAR:AHCL:
ROE %: 21.66% (58% above median its 10-year median of 13.68)
GF Value™: ₨6.60 vs. price of ₨15.99 (142.3% above fair value)
Industry Position: 470% above the Utilities - Independent Power Producers median (#30 of 433)
No single metric tells the full story. See the KAR:AHCL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Arif Habib Corp Ltd generates and sells electricity in Pakistan. It is also engaged in providing equity and debt brokerage, as well as corporate finance services to institutional, corporate, high-net-worth, and retail clients. Its segments are Capital market operations; Brokerage; Energy Development, and Others. The firm generates the majority of revenue from the Energy segment. The Energy segment is engaged in energy development. The brokerage segment is engaged in brokerage, underwriting, corporate consultancy, research, and corporate finance services. Capital market operations segment is engaged in trading of equity securities and maintaining strategic and trading portfolios. Others include assets of RCPL.
58GF Score
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