HFCB GroupNAI:HFCK -0.94%30 Median PS Value is KES5.42 as of Jul. 05, 2026, which is 100% below its 10-year median of 0.33. GuruFocus rates NAI:HFCK with a GF Score™ of 30/100 and a GF Value™ of KES2.20 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 1,042 Banks companies, HFCB Group ranks worse than 89.44% 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. HFCB Group's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was KES4.366. HFCB Group's 10-Year median PS Ratio is 1.2414. Therefore, the Median PS Value for today is KES5.42.
As of today (2026-07-05), HFCB Group's share price is KES10.50. HFCB Group's Median PS Value is KES5.42. Therefore, HFCB Group's Price to Median PS Value for today is 1.94.
The historical rank and industry rank for HFCB Group's Median PS Value or its related term are showing as below:
NAI:HFCK'
s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.22 Med: 0.33 Max: 2.43
Current: 1.94
During the past 13 years, the highest Price to Median PS Value of HFCB Group was 2.43. The lowest was 0.22. And the median was 0.33.
NAI:HFCK's Price-to-Median-PS-Value is ranked worse than 89.44% of 1042
companies
in the Banks industry
Industry Median: 1.11
vs NAI:HFCK: 1.94
HFCB Group (NAI:HFCK) 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.
HFCB Group's Price to Median PS Value for today is calculated as
Price to Median PS Value
=
Share Price
/
Median PS Value
=
10.50
/
5.42
=
1.94
* 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.
HFCB Group Median PS Value Related Terms
HFCB Group Median PS Value Historical Data
* Premium members only.
The historical data trend for HFCB Group'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.
For the Banks - Regional subindustry, HFCB Group'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.
HFCB Group Price-to-Median-PS-Value vs Banks Industry
For the Banks industry and Financial Services sector, HFCB Group's Price-to-Median-PS-Value distribution charts can be found below:
* The bar in red indicates where HFCB Group's Price-to-Median-PS-Value falls into.
10-Year Median PS Ratio is 1.2414.
HFCB Group'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 KES4.366.
* 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.
HFCB Group (NAI:HFCK) has a Median PS Value of KES5.42 as of Jul. 05, 2026. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on HFCB Group and its competitors. This is 1542% above median its historical median of 0.33. Over the past decade, HFCB Group's Median PS Value has ranged from 0.22 to 2.43. According to the industry distribution chart, HFCB Group ranks #932 out of 1042 companies in the Banks industry, placing it in the top 89.4%.
Is HFCB Group's Median PS Value too high?
HFCB Group's current Median PS Value of KES5.42 is 1542% above median its 10-year median of 0.33. Over the past 10 years, this metric has ranged from a low of 0.22 to a high of 2.43. Based on the distribution chart, HFCB Group ranks #932 out of 1042 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, HFCB Group has a GF Score™ of 30/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does HFCB Group's Median PS Value compare to PNC and USB?
According to the Banks industry distribution chart, HFCB Group ranks #932 out of 1042 companies for Median PS Value. This places HFCB Group in the lower half of its industry. The industry median Median PS Value is 1.11. Historically, HFCB Group's own Median PS Value has ranged from 0.22 to 2.43 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 1.11, based on 1,042 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 HFCB Group and its competitors. For the Banks industry, the median Median PS Value is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. HFCB Group's current Median PS Value is KES5.42, which is 1542% above median its own 10-year median of 0.33. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is HFCB Group stock overvalued right now?
Based on GuruFocus' analysis, HFCB Group (NAI:HFCK) is currently considered Significantly Overvalued. The stock's GF Value™ is KES2.20, compared to a current price of KES10.50 — trading 377.3% above its estimated fair value. The current Median PS Value is KES5.42, which is 1542% above median its 10-year median of 0.33. HFCB Group's overall GF Score™ is 30/100 with 2 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 HFCB Group (NAI:HFCK), the current Median PS Value is KES5.42 as of Jul. 05, 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 HFCB Group (NAI:HFCK) Overvalued in 2026?
Based on GuruFocus' analysis, HFCB Group stock appears to be overvalued.
The current stock price of KES10.50 is trading 377.3% above its estimated GF Value™ of KES2.20.
GuruFocus considers HFCB Group to be Significantly Overvalued.
Key valuation signals for NAI:HFCK:
Median PS Value: KES5.42 (1542% above median its 10-year median of 0.33)
GF Value™: KES2.20 vs. price of KES10.50 (377.3% above fair value)
No single metric tells the full story. See the NAI:HFCK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
HFCB Group PLC is an integrated financial and Property solutions provider. It has diversified from being a mortgage financier to a provider of integrated financial solutions with interests in banking, property, and insurance. Its services are Save & Invest, Borrow, Insure, Move Money & Trade, and Own a Home.
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