Bank AL HabibKAR:BAHL 65 ROE % is 17.23% as of Mar. 2026, which is 14% below its 10-year median of 20.09. GuruFocus rates KAR:BAHL with a GF Score™ of 65/100 and a GF Value™ of ₨115.83 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 1,527 Banks companies, Bank AL Habib ranks better than 87.88% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Bank AL Habib's annualized net income for the quarter that ended in Mar. 2026 was ₨29,069 Mil. Bank AL Habib's average Total Stockholders Equity over the quarter that ended in Mar. 2026 was ₨168,736 Mil. Therefore, Bank AL Habib's annualized ROE % for the quarter that ended in Mar. 2026 was 17.23%.
The historical rank and industry rank for Bank AL Habib's ROE % or its related term are showing as below:
KAR:BAHL'
s ROE % Range Over the Past 10 Years
Min: 17.46 Med: 20.09 Max: 31.75
Current: 17.46
During the past 13 years, Bank AL Habib's highest ROE % was 31.75%. The lowest was 17.46%. And the median was 20.09%.
KAR:BAHL's ROE % is ranked better than 87.88% of 1527
companies
in the Banks industry
Industry Median: 10.23
vs KAR:BAHL: 17.46
Bank AL Habib (KAR:BAHL) 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.
Bank AL Habib ROE % Related Terms
Bank AL Habib ROE % Historical Data
* Premium members only.
The historical data trend for Bank AL 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 Banks - Regional subindustry, Bank AL 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.
Bank AL Habib ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Bank AL Habib's ROE % distribution charts can be found below:
* The bar in red indicates where Bank AL 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.
Bank AL Habib (KAR:BAHL) has a ROE % of 17.23% 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 Bank AL Habib and its competitors. This is 14% below median its historical median of 20.09. Over the past decade, Bank AL Habib's ROE % has ranged from 17.46 to 31.75. According to the industry distribution chart, Bank AL Habib ranks #185 out of 1527 companies in the Banks industry, placing it in the top 12.1%.
Is Bank AL Habib's ROE % too high?
Bank AL Habib's current ROE % of 17.23% is 14% below median its 10-year median of 20.09. Over the past 10 years, this metric has ranged from a low of 17.46 to a high of 31.75. The Banks industry median ROE % is 10.23. Bank AL Habib's value of 17.23% is 68.4% above this industry median. Based on the distribution chart, Bank AL Habib ranks #185 out of 1527 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Bank AL Habib has a GF Score™ of 65/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank AL Habib's ROE % compare to competitors?
According to the Banks industry distribution chart, Bank AL Habib ranks #185 out of 1527 companies for ROE %. This places Bank AL Habib in the top 12% of its industry — outperforming the majority of peers. The industry median ROE % is 10.23. Bank AL Habib's value of 17.23% is 68.4% above this benchmark. Historically, Bank AL Habib's own ROE % has ranged from 17.46 to 31.75 over the past decade. While the company's 10-year median is 20.09 vs. the industry median of 10.23, Bank AL 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 a Banks company?
The median ROE % among Banks companies is 10.23, based on 1,527 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. Bank AL Habib's current ROE % of 17.23% is 68.4% 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 Bank AL Habib and its competitors. For the Banks industry, the median ROE % is 10.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank AL Habib's current ROE % is 17.23%, which is 14% below median its own 10-year median of 20.09. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank AL Habib stock overvalued right now?
Based on GuruFocus' analysis, Bank AL Habib (KAR:BAHL) is currently considered Significantly Overvalued. The stock's GF Value™ is ₨115.83, compared to a current price of ₨167.95 — trading 45% above its estimated fair value. The current ROE % is 17.23%, which is 14% below median its 10-year median of 20.09 and 68.4% above the Banks industry median of 10.23. Bank AL Habib's overall GF Score™ is 65/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For Bank AL Habib (KAR:BAHL), the current ROE % is 17.23% 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 AL Habib (KAR:BAHL) Overvalued in 2026?
Based on GuruFocus' analysis, Bank AL Habib stock appears to be overvalued.
The current stock price of ₨167.95 is trading 45% above its estimated GF Value™ of ₨115.83.
GuruFocus considers Bank AL Habib to be Significantly Overvalued.
Key valuation signals for KAR:BAHL:
ROE %: 17.23% (14% below median its 10-year median of 20.09)
GF Value™: ₨115.83 vs. price of ₨167.95 (45% above fair value)
Industry Position: 68.4% above the Banks median (#185 of 1527)
No single metric tells the full story. See the KAR:BAHL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank AL Habib Ltd is a banking company in Pakistan. It provides banking services consisting of retail banking, current & savings accounts, credit cards, consumer banking products, provision of banking & other financial services to individual customers, small merchants & small-medium enterprises. The company also provides commercial banking such as banking services including treasury & international trade-related activities to large corporate customers, multinational companies, and government, & semi-government departments & institutions. Geographically, it operates in Pakistan, the Middle East & Asia- Pacific. The majority of revenue is from the Commercial banking segment.
65GF Score
Get the complete analysis for KAR:BAHL
ROE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
KAR:BAHL has been successfully added to your 
