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Bank AL HabibKAR:BAHL +0.71%62 5-Year Yield-on-Cost % is 51.54 as of Aug. 04, 2026, which is 31% above its 10-year median of 39.23. GuruFocus rates KAR:BAHL with a GF Score™ of 62/100 and a GF Value™ of ₨118.15 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,252 Banks companies, Bank AL Habib ranks better than 99.44% on this metric.
Bank AL Habib's yield on cost for the quarter that ended in Mar. 2026 was 51.54.
The historical rank and industry rank for Bank AL Habib's 5-Year Yield-on-Cost % or its related term are showing as below:
KAR:BAHL'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 17.46 Med: 39.23 Max: 143.37
Current: 51.54
During the past 13 years, Bank AL Habib's highest Yield on Cost was 143.37. The lowest was 17.46. And the median was 39.23.
KAR:BAHL's 5-Year Yield-on-Cost % is ranked better than 99.44% of 1252
companies
in the Banks industry
Industry Median: 3.825
vs KAR:BAHL: 51.54
Bank AL Habib (KAR:BAHL) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Bank AL Habib 5-Year Yield-on-Cost % Related Terms
Bank AL Habib 5-Year Yield-on-Cost % Competitor Comparison
For the Banks - Regional subindustry, Bank AL Habib's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Bank AL Habib's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Bank AL Habib's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Therefore, Yield-on-Cost of Bank AL Habib is calculated as
Bank AL Habib (KAR:BAHL) has a 5-Year Yield-on-Cost % of 51.54 as of Aug. 04, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Bank AL Habib and its competitors. This is 31% above median its historical median of 39.23. Over the past decade, Bank AL Habib's 5-Year Yield-on-Cost % has ranged from 17.46 to 143.37. According to the industry distribution chart, Bank AL Habib ranks #7 out of 1252 companies in the Banks industry, placing it in the top 0.59999999999999%.
Is Bank AL Habib's 5-Year Yield-on-Cost % too high?
Bank AL Habib's current 5-Year Yield-on-Cost % of 51.54 is 31% above median its 10-year median of 39.23. Over the past 10 years, this metric has ranged from a low of 17.46 to a high of 143.37. The Banks industry median 5-Year Yield-on-Cost % is 3.83. Bank AL Habib's value of 51.54 is 1247.5% above this industry median. Based on the distribution chart, Bank AL Habib ranks #7 out of 1252 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 62/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank AL Habib's 5-Year Yield-on-Cost % compare to competitors?
According to the Banks industry distribution chart, Bank AL Habib ranks #7 out of 1252 companies for 5-Year Yield-on-Cost %. This places Bank AL Habib in the top 1% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 3.83. Bank AL Habib's value of 51.54 is 1247.5% above this benchmark. Historically, Bank AL Habib's own 5-Year Yield-on-Cost % has ranged from 17.46 to 143.37 over the past decade. While the company's 10-year median is 39.23 vs. the industry median of 3.83, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.83, based on 1,252 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank AL Habib's current 5-Year Yield-on-Cost % of 51.54 is 1247.5% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Bank AL Habib and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.83 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank AL Habib's current 5-Year Yield-on-Cost % is 51.54, which is 31% above median its own 10-year median of 39.23. 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 ₨118.15, compared to a current price of ₨172.21 — trading 45.8% above its estimated fair value. The current 5-Year Yield-on-Cost % is 51.54, which is 31% above median its 10-year median of 39.23 and 1247.5% above the Banks industry median of 3.83. Bank AL Habib's overall GF Score™ is 62/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Bank AL Habib (KAR:BAHL), the current 5-Year Yield-on-Cost % is 51.54 as of Aug. 04, 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 ₨172.21 is trading 45.8% above its estimated GF Value™ of ₨118.15.
GuruFocus considers Bank AL Habib to be Significantly Overvalued.
Key valuation signals for KAR:BAHL:
5-Year Yield-on-Cost %: 51.54 (31% above median its 10-year median of 39.23)
GF Value™: ₨118.15 vs. price of ₨172.21 (45.8% above fair value)
Industry Position: 1247.5% above the Banks median (#7 of 1252)
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.
62GF Score
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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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