Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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.
Finance House PJSCADX:FH 49 PB Ratio is 0.95 as of Jul. 19, 2026. GuruFocus rates ADX:FH with a GF Score™ of 49/100. Among 526 Credit Services companies, Finance House PJSC ranks better than 55.13% on this metric.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Finance House PJSC PB Ratio Related Terms
Finance House PJSC PB Ratio Historical Data
* Premium members only.
The historical data trend for Finance House PJSC's PB Ratio 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 Credit Services subindustry, Finance House PJSC's PB Ratio, along with its competitors' market caps and PB Ratio 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.
Finance House PJSC PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Finance House PJSC's PB Ratio distribution charts can be found below:
* The bar in red indicates where Finance House PJSC's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Finance House PJSC (ADX:FH) has a PB Ratio of 0.95 as of Jul. 19, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Finance House PJSC and its competitors. According to the industry distribution chart, Finance House PJSC ranks #236 out of 526 companies in the Credit Services industry, placing it in the top 44.9%.
Is Finance House PJSC's PB Ratio too high?
Finance House PJSC's current PB Ratio is 0.95. The Credit Services industry median PB Ratio is 1.06. Finance House PJSC's value of 0.95 is 10.4% below this industry median. Based on the distribution chart, Finance House PJSC ranks #236 out of 526 companies in the Credit Services industry, which is above the industry midpoint. Overall, Finance House PJSC has a GF Score™ of 49/100, reflecting its overall financial health beyond just this single metric.
How does Finance House PJSC's PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Finance House PJSC ranks #236 out of 526 companies for PB Ratio. This puts Finance House PJSC in the upper half of its industry. The industry median PB Ratio is 1.06. Finance House PJSC's value of 0.95 is 10.4% 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 PB Ratio for a Credit Services company?
The median PB Ratio among Credit Services companies is 1.06, based on 526 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Finance House PJSC's current PB Ratio of 0.95 is 10.4% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Finance House PJSC and its competitors. For the Credit Services industry, the median PB Ratio is 1.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Finance House PJSC's current PB Ratio is 0.95. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Finance House PJSC stock overvalued right now?
Finance House PJSC (ADX:FH) has a current PB Ratio of 0.95. The current PB Ratio is 0.95 and 10.4% below the Credit Services industry median of 1.06. Finance House PJSC's overall GF Score™ is 49/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Finance House PJSC (ADX:FH), the current PB Ratio is 0.95 as of Jul. 19, 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.
Finance House PJSC is a provider of financial products and services. The group is organised into six major business segments: Commercial and Retail Financing, which provides loans and other credit facilities for institutional and individual customers; Investment, which involves the management of the investment portfolio and treasury activities; Islamic Financing and Investing, which provides investment, consumer and commercial financing; Insurance, which involves non-life insurance services; Construction, involves construction related activities; and Brokerage Services. The group primarily operates in the United Arab Emirates.
49GF Score
Get the complete analysis for ADX:FH
PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ADX:FH has been successfully added to your 
