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IPDC FinanceDHA:IPDC -0.93%67 3-Year Book Growth Rate is 2.40% as of Jun. 2026, which is 78% below its 10-year median of 10.70. GuruFocus rates DHA:IPDC with a GF Score™ of 67/100 and a GF Value™ of BDT24.30 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 514 Credit Services companies, IPDC Finance ranks worse than 63.42% on this metric.
During the past 12 months, IPDC Finance's average Book Value per Share Growth Rate was 6.30% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 2.40% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 3.40% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 9.80% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 12 years, the highest 3-Year average Book Value per Share Growth Rate of IPDC Finance was 19.10% per year. The lowest was 2.40% per year. And the median was 10.70% per year.
IPDC Finance (DHA:IPDC) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
IPDC Finance 3-Year Book Growth Rate Related Terms
DHA:IPDC vs V, MA, AXP: 3-Year Book Growth Rate Comparison
For the Credit Services subindustry, IPDC Finance's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate 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.
IPDC Finance 3-Year Book Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, IPDC Finance's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where IPDC Finance's 3-Year Book Growth Rate falls into.
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 2.40% mean?
IPDC Finance (DHA:IPDC) has a 3-Year Book Growth Rate of 2.40% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for IPDC Finance and its competitors. This is 78% below median its historical median of 10.70. Over the past decade, IPDC Finance's 3-Year Book Growth Rate has ranged from 2.40 to 19.10. According to the industry distribution chart, IPDC Finance ranks #326 out of 514 companies in the Credit Services industry, placing it in the top 63.4%.
Is IPDC Finance's 3-Year Book Growth Rate too high?
IPDC Finance's current 3-Year Book Growth Rate of 2.40% is 78% below median its 10-year median of 10.70. Over the past 10 years, this metric has ranged from a low of 2.40 to a high of 19.10. The Credit Services industry median 3-Year Book Growth Rate is 6.00. IPDC Finance's value of 2.40% is 60% below this industry median. Based on the distribution chart, IPDC Finance ranks #326 out of 514 companies in the Credit Services industry, which is below the industry midpoint. Overall, IPDC Finance has a GF Score™ of 67/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does IPDC Finance's 3-Year Book Growth Rate compare to V and MA?
According to the Credit Services industry distribution chart, IPDC Finance ranks #326 out of 514 companies for 3-Year Book Growth Rate. This places IPDC Finance in the lower half of its industry. The industry median 3-Year Book Growth Rate is 6.00. IPDC Finance's value of 2.40% is 60% below this benchmark. Historically, IPDC Finance's own 3-Year Book Growth Rate has ranged from 2.40 to 19.10 over the past decade. While the company's 10-year median is 10.70 vs. the industry median of 6.00, IPDC Finance has consistently been below 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 3-Year Book Growth Rate for a Credit Services company?
The median 3-Year Book Growth Rate among Credit Services companies is 6.00, based on 514 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. IPDC Finance's current 3-Year Book Growth Rate of 2.40% is 60% below 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 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for IPDC Finance and its competitors. For the Credit Services industry, the median 3-Year Book Growth Rate is 6.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. IPDC Finance's current 3-Year Book Growth Rate is 2.40%, which is 78% below median its own 10-year median of 10.70. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is IPDC Finance stock overvalued right now?
Based on GuruFocus' analysis, IPDC Finance (DHA:IPDC) is currently considered Significantly Overvalued. The stock's GF Value™ is BDT24.30, compared to a current price of BDT31.90 — trading 31.3% above its estimated fair value. The current 3-Year Book Growth Rate is 2.40%, which is 78% below median its 10-year median of 10.70 and 60% below the Credit Services industry median of 6.00. IPDC Finance's overall GF Score™ is 67/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For IPDC Finance (DHA:IPDC), the current 3-Year Book Growth Rate is 2.40% as of Jun. 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 IPDC Finance (DHA:IPDC) Overvalued in 2026?
Based on GuruFocus' analysis, IPDC Finance stock appears to be overvalued.
The current stock price of BDT31.90 is trading 31.3% above its estimated GF Value™ of BDT24.30.
GuruFocus considers IPDC Finance to be Significantly Overvalued.
Key valuation signals for DHA:IPDC:
3-Year Book Growth Rate: 2.40% (78% below median its 10-year median of 10.70)
GF Value™: BDT24.30 vs. price of BDT31.90 (31.3% above fair value)
Industry Position: 60% below the Credit Services median (#326 of 514)
No single metric tells the full story. See the DHA:IPDC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
IPDC Finance PLC has diversified its product portfolio and evolved as multiproduct financial institution that is specialised in providing long term and short term finance, project finance, lease finance, supply chain finance, home loan, equity financing, syndication finance, retail finance, Small & Medium Enterprises (SME) finance, asset backed securitisation, retailer finance, factoring finance, and related consultancies. Its segments are Corporate, SME & Emerging, Corporate, and Retail Treasury. The company generates majority of revenue from Corporate segment.
67GF Score
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3-Year Book Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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