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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.
India Home LoanBOM:530979 +1.63%59 Median PS Value is ₹33.21 as of Jul. 30, 2026, which is 100% below its 10-year median of 0.79. GuruFocus rates BOM:530979 with a GF Score™ of 59/100 and a GF Value™ of ₹35.40 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 1,044 Banks companies, India Home Loan ranks better than 73.47% 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.
Median PS Value is calculated as trailing twelve months (TTM) Revenue per Share times 10-Year median PS Ratio. India Home Loan's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was ₹10.518. India Home Loan's 10-Year median PS Ratio is 3.1574. Therefore, the Median PS Value for today is ₹33.21.
As of today (2026-07-30), India Home Loan's share price is ₹30.50. India Home Loan's Median PS Value is ₹33.21. Therefore, India Home Loan's Price to Median PS Value for today is 0.92.
The historical rank and industry rank for India Home Loan's Median PS Value or its related term are showing as below:
BOM:530979'
s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.12 Med: 0.79 Max: 1.07
Current: 0.92
During the past 13 years, the highest Price to Median PS Value of India Home Loan was 1.07. The lowest was 0.12. And the median was 0.79.
BOM:530979's Price-to-Median-PS-Value is ranked better than 73.47% of 1044
companies
in the Banks industry
Industry Median: 1.13
vs BOM:530979: 0.92
India Home Loan (BOM:530979) 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.
India Home Loan's Price to Median PS Value for today is calculated as
Price to Median PS Value
=
Share Price
/
Median PS Value
=
30.50
/
33.21
=
0.92
* 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.
India Home Loan Median PS Value Related Terms
India Home Loan Median PS Value Historical Data
* Premium members only.
The historical data trend for India Home Loan'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:530979 vs RKT, FNMA, PFSI: Median PS Value Comparison
For the Mortgage Finance subindustry, India Home Loan'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.
India Home Loan Price-to-Median-PS-Value vs Banks Industry
For the Banks industry and Financial Services sector, India Home Loan's Price-to-Median-PS-Value distribution charts can be found below:
* The bar in red indicates where India Home Loan's Price-to-Median-PS-Value falls into.
10-Year Median PS Ratio is 3.1574.
India Home Loan'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 ₹10.518.
* 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.
India Home Loan (BOM:530979) has a Median PS Value of ₹33.21 as of Jul. 30, 2026. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on India Home Loan and its competitors. This is 4104% above median its historical median of 0.79. Over the past decade, India Home Loan's Median PS Value has ranged from 0.12 to 1.07. According to the industry distribution chart, India Home Loan ranks #277 out of 1044 companies in the Banks industry, placing it in the top 26.5%.
Is India Home Loan's Median PS Value too high?
India Home Loan's current Median PS Value of ₹33.21 is 4104% above median its 10-year median of 0.79. Over the past 10 years, this metric has ranged from a low of 0.12 to a high of 1.07. Based on the distribution chart, India Home Loan ranks #277 out of 1044 companies in the Banks industry, which is above the industry midpoint. Overall, India Home Loan has a GF Score™ of 59/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does India Home Loan's Median PS Value compare to RKT and FNMA?
According to the Banks industry distribution chart, India Home Loan ranks #277 out of 1044 companies for Median PS Value. This puts India Home Loan in the upper half of its industry. The industry median Median PS Value is 1.13. Historically, India Home Loan's own Median PS Value has ranged from 0.12 to 1.07 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 Banks company?
The median Median PS Value among Banks companies is 1.13, based on 1,044 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 India Home Loan and its competitors. For the Banks industry, the median Median PS Value is 1.13 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. India Home Loan's current Median PS Value is ₹33.21, which is 4104% above median its own 10-year median of 0.79. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is India Home Loan stock overvalued right now?
Based on GuruFocus' analysis, India Home Loan (BOM:530979) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹35.40, compared to a current price of ₹30.50 — trading 13.8% below its estimated fair value. The current Median PS Value is ₹33.21, which is 4104% above median its 10-year median of 0.79. India Home Loan's overall GF Score™ is 59/100 with 5 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 India Home Loan (BOM:530979), the current Median PS Value is ₹33.21 as of Jul. 30, 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 India Home Loan (BOM:530979) Overvalued in 2026?
Based on GuruFocus' analysis, India Home Loan stock appears to be undervalued.
The current stock price of ₹30.50 is trading 13.8% below its estimated GF Value™ of ₹35.40.
GuruFocus considers India Home Loan to be Modestly Undervalued.
Key valuation signals for BOM:530979:
Median PS Value: ₹33.21 (4104% above median its 10-year median of 0.79)
GF Value™: ₹35.40 vs. price of ₹30.50 (13.8% below fair value)
No single metric tells the full story. See the BOM:530979 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
India Home Loan Ltd is a Non-deposit accepting Housing Finance Company. The company offers retail home loan products for affordable housing segments. Under this product, loans are offered to the customers for Purchase of home, home improvement, home extension and for construction of a dwelling unit on an owned plot of land. It specializes on loans to families in the self-employed category where formal income proofs aren't easily available and their repayment capacity is appraised based on their cash flows.
59GF Score
Get the complete analysis for BOM:530979
Median PS Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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