Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
BankIslami PakistanKAR:BIPL +2.68%64 5-Year Yield-on-Cost % is 10.22 as of Jul. 28, 2026, which is 0% below its 10-year median of 10.25. GuruFocus rates KAR:BIPL with a GF Score™ of 64/100 and a GF Value™ of ₨24.82 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,252 Banks companies, BankIslami Pakistan ranks better than 87.62% on this metric.
BankIslami Pakistan's yield on cost for the quarter that ended in Mar. 2026 was 10.22.
The historical rank and industry rank for BankIslami Pakistan's 5-Year Yield-on-Cost % or its related term are showing as below:
KAR:BIPL'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 4.37 Med: 10.25 Max: 20.72
Current: 10.22
During the past 13 years, BankIslami Pakistan's highest Yield on Cost was 20.72. The lowest was 4.37. And the median was 10.25.
KAR:BIPL's 5-Year Yield-on-Cost % is ranked better than 87.62% of 1252
companies
in the Banks industry
Industry Median: 3.87
vs KAR:BIPL: 10.22
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.
BankIslami Pakistan 5-Year Yield-on-Cost % Related Terms
KAR:BIPL vs PNC, USB: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, BankIslami Pakistan'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.
BankIslami Pakistan 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, BankIslami Pakistan's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where BankIslami Pakistan'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.
BankIslami Pakistan (KAR:BIPL) has a 5-Year Yield-on-Cost % of 10.22 as of Jul. 28, 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 BankIslami Pakistan and its competitors. This is near median its historical median of 10.25. Over the past decade, BankIslami Pakistan's 5-Year Yield-on-Cost % has ranged from 4.37 to 20.72. According to the industry distribution chart, BankIslami Pakistan ranks #155 out of 1252 companies in the Banks industry, placing it in the top 12.4%.
Is BankIslami Pakistan's 5-Year Yield-on-Cost % too high?
BankIslami Pakistan's current 5-Year Yield-on-Cost % of 10.22 is near median its 10-year median of 10.25. Over the past 10 years, this metric has ranged from a low of 4.37 to a high of 20.72. The Banks industry median 5-Year Yield-on-Cost % is 3.87. BankIslami Pakistan's value of 10.22 is 164.1% above this industry median. Based on the distribution chart, BankIslami Pakistan ranks #155 out of 1252 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, BankIslami Pakistan has a GF Score™ of 64/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does BankIslami Pakistan's 5-Year Yield-on-Cost % compare to PNC and USB?
According to the Banks industry distribution chart, BankIslami Pakistan ranks #155 out of 1252 companies for 5-Year Yield-on-Cost %. This places BankIslami Pakistan in the top 12% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 3.87. BankIslami Pakistan's value of 10.22 is 164.1% above this benchmark. Historically, BankIslami Pakistan's own 5-Year Yield-on-Cost % has ranged from 4.37 to 20.72 over the past decade. While the company's 10-year median is 10.25 vs. the industry median of 3.87, BankIslami Pakistan 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 3.87, 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. BankIslami Pakistan's current 5-Year Yield-on-Cost % of 10.22 is 164.1% 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 BankIslami Pakistan and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BankIslami Pakistan's current 5-Year Yield-on-Cost % is 10.22, which is near median its own 10-year median of 10.25. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BankIslami Pakistan stock overvalued right now?
Based on GuruFocus' analysis, BankIslami Pakistan (KAR:BIPL) is currently considered Modestly Overvalued. The stock's GF Value™ is ₨24.82, compared to a current price of ₨27.62 — trading 11.3% above its estimated fair value. The current 5-Year Yield-on-Cost % is 10.22, which is near median its 10-year median of 10.25 and 164.1% above the Banks industry median of 3.87. BankIslami Pakistan's overall GF Score™ is 64/100 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 BankIslami Pakistan (KAR:BIPL), the current 5-Year Yield-on-Cost % is 10.22 as of Jul. 28, 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 BankIslami Pakistan (KAR:BIPL) Overvalued in 2026?
Based on GuruFocus' analysis, BankIslami Pakistan stock appears to be overvalued.
The current stock price of ₨27.62 is trading 11.3% above its estimated GF Value™ of ₨24.82.
GuruFocus considers BankIslami Pakistan to be Modestly Overvalued.
Key valuation signals for KAR:BIPL:
5-Year Yield-on-Cost %: 10.22 (near median its 10-year median of 10.25)
GF Value™: ₨24.82 vs. price of ₨27.62 (11.3% above fair value)
Industry Position: 164.1% above the Banks median (#155 of 1252)
No single metric tells the full story. See the KAR:BIPL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
BankIslami Pakistan Ltd provides various banking products and services in Pakistan. The Bank's segments include Trading and Sales including equity, foreign exchanges, commodities, money market placements, and Shariah-compliant debt investments; Retail Banking includes retail Islamic financing and related assets, deposits, and banking services offered to the Bank's retail customers; and Commercial Banking includes investment banking business, trade business and Islamic financing and related assets relating to the Bank's corporate, SME and agriculture customers; and Support Centre segment includes the assets and liabilities relating to support functions at Head Office and their related income and expenses. The Majority of revenue derives from the Retail Banking segment. Operates in Pakistan.
64GF Score
Get the complete analysis for KAR:BIPL
5-Year Yield-on-Cost % 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:BIPL has been successfully added to your 
