Jahangir SiddiquiKAR:JSCL +1.73%74 Graham Number is ₨77.15 as of Mar. 2026, which is 100% below its 10-year median of 0.42. GuruFocus rates KAR:JSCL with a GF Score™ of 74/100 and a GF Value™ of ₨19.24 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,433 Banks companies, Jahangir Siddiqui ranks better than 94.7% on this metric.
Graham Number is a figure that measures a stock's fundamental value by taking into account the company's earnings per share and book value per share. The Graham number is the upper bound of the price range that a defensive investor should pay for the stock. According to the theory, any stock price below the Graham number is considered undervalued, and thus worth investing in.
As of today (2026-07-01), the stock price of Jahangir Siddiqui is ₨22.87. Jahangir Siddiqui's graham number for the quarter that ended in Mar. 2026 was ₨77.15. Therefore, Jahangir Siddiqui's Price to Graham Number ratio for today is 0.30.
The historical rank and industry rank for Jahangir Siddiqui's Graham Number or its related term are showing as below:
KAR:JSCL'
s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.15 Med: 0.42 Max: 1.22
Current: 0.3
During the past 13 years, the highest Price to Graham Number ratio of Jahangir Siddiqui was 1.22. The lowest was 0.15. And the median was 0.42.
KAR:JSCL's Price-to-Graham-Number is ranked better than 94.7% of 1433
companies
in the Banks industry
Industry Median: 0.79
vs KAR:JSCL: 0.30
Graham Number is a combination of asset valuation and earnings power valuation. It is a very conservative way of valuing a stock.
Jahangir Siddiqui (KAR:JSCL) Graham Number Explanation
Ben Graham actually did not publish a formula like this. But he wrote in The Intelligent Investor (1948 version) regarding to the criteria for purchases:
Current price should not be more than 15 times average earnings of the past three years.
Current price should not be more than 1.5 times the book value last reported. However, a multiplier of earnings below 15 could justify a correspondingly higher multiplier of assets. As a rule of thumb we suggest that the product of the multiplier times the ratio of price to book value should not exceed 22.5. (This figure corresponds to 15 times earnings and 1.5 times book value. It would admit an issue selling at only 9 times earnings and 2.5 times asset value, etc.)
Unlike valuation methods such as DCF or Discounted Earnings, the Graham number does not take growth into the valuation. Unlike the valuation methods based on book value alone, it takes into account the earnings power. Therefore, the Graham Number is a combination of asset valuation and earnings power valuation.
In general, the Graham number is a very conservative way of valuing a stock. It cannot be applied to companies with negative book values.
Jahangir Siddiqui's Price to Graham number Ratio for today is calculated as
Price to Graham number
=
Share Price (Today)
/
Graham number (Q: Mar. 2026 )
=
22.87
/
77.15
=
0.30
* 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
Please keep these in mind:
1. Graham Number does not take growth into account. Therefore it underestimates the values of the companies that have good earnings growth. We feel that if the earnings per share grows more than 10% a year, Graham Number underestimates the value.
2. Graham Number punishes the companies that have temporarily low earnings. Therefore, an average of earnings makes more sense in the calculation of Graham Number.
3. Graham Numbers underestimates companies that are light with book.
Jahangir Siddiqui Graham Number Related Terms
Jahangir Siddiqui Graham Number Historical Data
* Premium members only.
The historical data trend for Jahangir Siddiqui's Graham Number 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, Jahangir Siddiqui's Price-to-Graham-Number, along with its competitors' market caps and Price-to-Graham-Number 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.
Jahangir Siddiqui Price-to-Graham-Number vs Banks Industry
For the Banks industry and Financial Services sector, Jahangir Siddiqui's Price-to-Graham-Number distribution charts can be found below:
* The bar in red indicates where Jahangir Siddiqui's Price-to-Graham-Number 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.
Jahangir Siddiqui (KAR:JSCL) has a Graham Number of ₨77.15 as of Mar. 2026. The Graham Number values a company based on its per-share earnings and book value. View historical data on Jahangir Siddiqui and its competitors. This is 18269% above median its historical median of 0.42. Over the past decade, Jahangir Siddiqui's Graham Number has ranged from 0.15 to 1.22. According to the industry distribution chart, Jahangir Siddiqui ranks #76 out of 1433 companies in the Banks industry, placing it in the top 5.3%.
Is Jahangir Siddiqui's Graham Number too high?
Jahangir Siddiqui's current Graham Number of ₨77.15 is 18269% above median its 10-year median of 0.42. Over the past 10 years, this metric has ranged from a low of 0.15 to a high of 1.22. Based on the distribution chart, Jahangir Siddiqui ranks #76 out of 1433 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Jahangir Siddiqui has a GF Score™ of 74/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Jahangir Siddiqui's Graham Number compare to PNC and USB?
According to the Banks industry distribution chart, Jahangir Siddiqui ranks #76 out of 1433 companies for Graham Number. This places Jahangir Siddiqui in the top 5% of its industry — outperforming the majority of peers. The industry median Graham Number is 0.79. Historically, Jahangir Siddiqui's own Graham Number has ranged from 0.15 to 1.22 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Graham Number for a Banks company?
The median Graham Number among Banks companies is 0.79, based on 1,433 companies in the industry. Companies in the top quartile (top 25%) have a Graham Number significantly above this median, while those in the bottom quartile fall well below. However, Graham Number should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Graham Number mean?
A high Graham Number can signal that a stock is expensive relative to its fundamentals. The Graham Number values a company based on its per-share earnings and book value. View historical data on Jahangir Siddiqui and its competitors. For the Banks industry, the median Graham Number is 0.79 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jahangir Siddiqui's current Graham Number is ₨77.15, which is 18269% above median its own 10-year median of 0.42. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Jahangir Siddiqui stock overvalued right now?
Based on GuruFocus' analysis, Jahangir Siddiqui (KAR:JSCL) is currently considered Modestly Overvalued. The stock's GF Value™ is ₨19.24, compared to a current price of ₨22.87 — trading 18.9% above its estimated fair value. The current Graham Number is ₨77.15, which is 18269% above median its 10-year median of 0.42. Jahangir Siddiqui's overall GF Score™ is 74/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Graham Number calculated?
Graham Number is calculated from a company's financial statements. For Jahangir Siddiqui (KAR:JSCL), the current Graham Number is ₨77.15 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 Jahangir Siddiqui (KAR:JSCL) Overvalued in 2026?
Based on GuruFocus' analysis, Jahangir Siddiqui stock appears to be overvalued.
The current stock price of ₨22.87 is trading 18.9% above its estimated GF Value™ of ₨19.24.
GuruFocus considers Jahangir Siddiqui to be Modestly Overvalued.
Key valuation signals for KAR:JSCL:
Graham Number: ₨77.15 (18269% above median its 10-year median of 0.42)
GF Value™: ₨19.24 vs. price of ₨22.87 (18.9% above fair value)
No single metric tells the full story. See the KAR:JSCL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Jahangir Siddiqui & Co Ltd offers banking services. The company operates through a various business segment that is Capital Market and Brokerage, which is engaged in trading equity securities, maintaining strategic and trading portfolios and earning share brokerage and money market, forex and commodity brokerage; Banking, which provides investment and commercial banking; Investment Advisor/assets manager, which provides investment advisory and asset management services to different mutual funds and unit trusts; Energy Infrastructure and petroleum segment engaged into investment in the oil marketing sector and storage of petroleum, Liquified Petroleum gas and allied products; and Others. The Banking segment generates maximum revenue for the company.
74GF Score
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