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Goyal AssociatesBOM:530663 32 Median PS Value is ₹0.71 as of Aug. 12, 2026, which is 100% below its 10-year median of 0.78. GuruFocus rates BOM:530663 with a GF Score™ of 32/100 and a GF Value™ of ₹0.43 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 289 Credit Services companies, Goyal Associates ranks worse than 78.89% on this metric.
This valuation method assumes that the stock valuation will revert to its historical (10-Year) median in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
The historical rank and industry rank for Goyal Associates's Median PS Value or its related term are showing as below:
BOM:530663'
s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.64 Med: 0.78 Max: 1.51
Current: 1.51
During the past 13 years, the highest Price to Median PS Value of Goyal Associates was 1.51. The lowest was 0.64. And the median was 0.78.
BOM:530663's Price-to-Median-PS-Value is ranked worse than 78.89% of 289
companies
in the Credit Services industry
Industry Median: 0.94
vs BOM:530663: 1.51
Goyal Associates (BOM:530663) Median PS Value Explanation
This valuation method assumes that the stock valuation will revert to its historical (10-Year) mean in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio
is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
It also assumes that over time the profit margin is constant. If a company increases its profit margin to a sustainable level, this value might under-estimate its value. If it has permanent declined profit margins, this may over-estimate the company's value.
Goyal Associates's Price to Median PS Value for today is calculated as
Price to Median PS Value
=
Share Price
/
Median PS Value
=
1.07
/
0.71
=
1.51
* 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.
Goyal Associates Median PS Value Related Terms
Goyal Associates Median PS Value Historical Data
* Premium members only.
The historical data trend for Goyal Associates's Median PS Value 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.
BOM:530663 vs V, MA, AXP: Median PS Value Comparison
For the Credit Services subindustry, Goyal Associates's Price-to-Median-PS-Value, along with its competitors' market caps and Price-to-Median-PS-Value 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.
Goyal Associates Price-to-Median-PS-Value vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Goyal Associates's Price-to-Median-PS-Value distribution charts can be found below:
* The bar in red indicates where Goyal Associates's Price-to-Median-PS-Value falls into.
10-Year Median PS Ratio is 3.2273.
Goyal Associates's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹0.22.
* 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.
Goyal Associates (BOM:530663) has a Median PS Value of ₹0.71 as of Aug. 12, 2026. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Goyal Associates and its competitors. This is near median its historical median of 0.78. Over the past decade, Goyal Associates' Median PS Value has ranged from 0.64 to 1.51. According to the industry distribution chart, Goyal Associates ranks #228 out of 289 companies in the Credit Services industry, placing it in the top 78.9%.
Is Goyal Associates' Median PS Value too high?
Goyal Associates' current Median PS Value of ₹0.71 is near median its 10-year median of 0.78. Over the past 10 years, this metric has ranged from a low of 0.64 to a high of 1.51. Based on the distribution chart, Goyal Associates ranks #228 out of 289 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Goyal Associates has a GF Score™ of 32/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Goyal Associates' Median PS Value compare to V and MA?
According to the Credit Services industry distribution chart, Goyal Associates ranks #228 out of 289 companies for Median PS Value. This places Goyal Associates in the lower half of its industry. The industry median Median PS Value is 0.94. Historically, Goyal Associates' own Median PS Value has ranged from 0.64 to 1.51 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 Median PS Value for a Credit Services company?
The median Median PS Value among Credit Services companies is 0.94, based on 289 companies in the industry. Companies in the top quartile (top 25%) have a Median PS Value significantly above this median, while those in the bottom quartile fall well below. However, Median PS Value 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 Median PS Value mean?
A high Median PS Value can signal that a stock is expensive relative to its fundamentals. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Goyal Associates and its competitors. For the Credit Services industry, the median Median PS Value is 0.94 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Goyal Associates's current Median PS Value is ₹0.71, which is near median its own 10-year median of 0.78. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Goyal Associates stock overvalued right now?
Based on GuruFocus' analysis, Goyal Associates (BOM:530663) is currently considered Significantly Overvalued. The stock's GF Value™ is ₹0.43, compared to a current price of ₹1.07 — trading 148.8% above its estimated fair value. The current Median PS Value is ₹0.71, which is near median its 10-year median of 0.78. Goyal Associates' overall GF Score™ is 32/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Median PS Value calculated?
Median PS Value is calculated from a company's financial statements. For Goyal Associates (BOM:530663), the current Median PS Value is ₹0.71 as of Aug. 12, 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 Goyal Associates (BOM:530663) Overvalued in 2026?
Based on GuruFocus' analysis, Goyal Associates stock appears to be overvalued.
The current stock price of ₹1.07 is trading 148.8% above its estimated GF Value™ of ₹0.43.
GuruFocus considers Goyal Associates to be Significantly Overvalued.
Key valuation signals for BOM:530663:
Median PS Value: ₹0.71 (near median its 10-year median of 0.78)
GF Value™: ₹0.43 vs. price of ₹1.07 (148.8% above fair value)
No single metric tells the full story. See the BOM:530663 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Goyal Associates Ltd is an India-based non-banking financial company. The company is classified as a non-deposit-taking company and is engaged mainly in Investment, financing activities, and other related services. The company generates its revenue from its operations. Geographically, it operates in India.
32GF Score
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