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FIMBankMAL:FIM 20 3-Year Book Growth Rate is 2.70% as of Jun. 2026. GuruFocus rates MAL:FIM with a GF Score™ of 20/100 and a GF Value™ of $0.19 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 522 Credit Services companies, FIMBank ranks worse than 61.88% on this metric.
During the past 12 months, FIMBank's average Book Value per Share Growth Rate was 2.90% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 2.70% per year.
During the past 5 years, the average Book Value per Share Growth Rate was -4.80% per year.
During the past 10 years, the average Book Value per Share Growth Rate was -5.00% 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 13 years, the highest 3-Year average Book Value per Share Growth Rate of FIMBank was 8.30% per year. The lowest was -15.60% per year. And the median was -2.30% per year.
FIMBank (MAL:FIM) 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.
FIMBank 3-Year Book Growth Rate Related Terms
MAL:FIM vs V, MA, AXP: 3-Year Book Growth Rate Comparison
For the Credit Services subindustry, FIMBank'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.
FIMBank 3-Year Book Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, FIMBank's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where FIMBank'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 2.70% mean?
FIMBank (MAL:FIM) has a 3-Year Book Growth Rate of 2.70% 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 FIMBank and its competitors. According to the industry distribution chart, FIMBank ranks #323 out of 522 companies in the Credit Services industry, placing it in the top 61.9%.
Is FIMBank's 3-Year Book Growth Rate too high?
FIMBank's current 3-Year Book Growth Rate is 2.70%. The Credit Services industry median 3-Year Book Growth Rate is 6.10. FIMBank's value of 2.70% is 55.7% below this industry median. Based on the distribution chart, FIMBank ranks #323 out of 522 companies in the Credit Services industry, which is below the industry midpoint. Overall, FIMBank has a GF Score™ of 20/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does FIMBank's 3-Year Book Growth Rate compare to V and MA?
According to the Credit Services industry distribution chart, FIMBank ranks #323 out of 522 companies for 3-Year Book Growth Rate. This places FIMBank in the lower half of its industry. The industry median 3-Year Book Growth Rate is 6.10. FIMBank's value of 2.70% is 55.7% below this benchmark. 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 6.10, based on 522 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. FIMBank's current 3-Year Book Growth Rate of 2.70% is 55.7% 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 FIMBank and its competitors. For the Credit Services industry, the median 3-Year Book Growth Rate is 6.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FIMBank's current 3-Year Book Growth Rate is 2.70%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is FIMBank stock overvalued right now?
Based on GuruFocus' analysis, FIMBank (MAL:FIM) is currently considered Significantly Overvalued. The stock's GF Value™ is $0.19, compared to a current price of $0.31 — trading 64.2% above its estimated fair value. The current 3-Year Book Growth Rate is 2.70% and 55.7% below the Credit Services industry median of 6.10. FIMBank's overall GF Score™ is 20/100 with 5 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 FIMBank (MAL:FIM), the current 3-Year Book Growth Rate is 2.70% 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 FIMBank (MAL:FIM) Overvalued in 2026?
Based on GuruFocus' analysis, FIMBank stock appears to be overvalued.
The current stock price of $0.31 is trading 64.2% above its estimated GF Value™ of $0.19.
GuruFocus considers FIMBank to be Significantly Overvalued.
Key valuation signals for MAL:FIM:
3-Year Book Growth Rate: 2.70%
GF Value™: $0.19 vs. price of $0.31 (64.2% above fair value)
Industry Position: 55.7% below the Credit Services median (#323 of 522)
No single metric tells the full story. See the MAL:FIM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
FIMBank PLC is a finance company that is active in providing international trade finance and acts as an intermediary to other financial institutions for international settlements, real estate financing, factoring, and loan syndications. The company provides solutions through its five business segments of Trade Finance, Forfaiting, Factoring, Treasury, and Real Estate; out of which key revenues are derived from the Forfaiting segment. The company has a business presence in Malta, India, Turkey, Cote d'Ivoire and other countries.
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