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N1 HoldingsASX:N1H PB Ratio is 2.35 as of Jul. 17, 2026, which is 61% below its 10-year median of 6.05. The stock has 1 warning sign investors should review. Among 1,517 Banks companies, N1 Holdings ranks worse than 92.09% on this metric.
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. As of today (2026-07-17), N1 Holdings's share price is A$0.08. N1 Holdings's Book Value per Share for the quarter that ended in Dec. 2025 was A$0.03. Hence, N1 Holdings's PB Ratio of today is 2.35.
Good Sign:
N1 Holdings Ltd stock PB Ratio (=2.35) is close to 5-year low of 2.35.
The historical rank and industry rank for N1 Holdings's PB Ratio or its related term are showing as below:
ASX:N1H'
s PB Ratio Range Over the Past 10 Years
Min: 1.7 Med: 6.05 Max: 32.86
Current: 2.35
During the past 10 years, N1 Holdings's highest PB Ratio was 32.86. The lowest was 1.70. And the median was 6.05.
ASX:N1H's PB Ratio is ranked worse than 92.09% of 1517
companies
in the Banks industry
Industry Median: 1.12
vs ASX:N1H: 2.35
During the past 12 months, N1 Holdings's average Book Value Per Share Growth Rate was 47.80% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 52.90% per year.
During the past 10 years, the highest 3-Year average Book Value Per Share Growth Rate of N1 Holdings was 52.90% per year. The lowest was -64.50% per year. And the median was 32.60% per year.
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.
N1 Holdings PB Ratio Related Terms
N1 Holdings PB Ratio Historical Data
* Premium members only.
The historical data trend for N1 Holdings'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 Mortgage Finance subindustry, N1 Holdings'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.
N1 Holdings PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, N1 Holdings's PB Ratio distribution charts can be found below:
* The bar in red indicates where N1 Holdings'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.
N1 Holdings's PB Ratio for today is calculated as follows:
* 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.
N1 Holdings (ASX:N1H) has a PB Ratio of 2.35 as of Jul. 17, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on N1 Holdings and its competitors. This is 61% below median its historical median of 6.05. Over the past decade, N1 Holdings' PB Ratio has ranged from 1.70 to 32.86. According to the industry distribution chart, N1 Holdings ranks #1397 out of 1517 companies in the Banks industry, placing it in the top 92.1%.
Is N1 Holdings' PB Ratio too high?
N1 Holdings' current PB Ratio of 2.35 is 61% below median its 10-year median of 6.05. Over the past 10 years, this metric has ranged from a low of 1.70 to a high of 32.86. The Banks industry median PB Ratio is 1.12. N1 Holdings' value of 2.35 is 109.8% above this industry median. Based on the distribution chart, N1 Holdings ranks #1397 out of 1517 companies in the Banks industry, which is in the bottom quartile relative to peers.
How does N1 Holdings' PB Ratio compare to RKT and FNMA?
According to the Banks industry distribution chart, N1 Holdings ranks #1397 out of 1517 companies for PB Ratio. This places N1 Holdings in the lower half of its industry. The industry median PB Ratio is 1.12. N1 Holdings' value of 2.35 is 109.8% above this benchmark. Historically, N1 Holdings' own PB Ratio has ranged from 1.70 to 32.86 over the past decade. While the company's 10-year median is 6.05 vs. the industry median of 1.12, N1 Holdings has consistently been above the industry average. 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 Banks company?
The median PB Ratio among Banks companies is 1.12, based on 1,517 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. N1 Holdings's current PB Ratio of 2.35 is 109.8% above 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 N1 Holdings and its competitors. For the Banks industry, the median PB Ratio is 1.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. N1 Holdings's current PB Ratio is 2.35, which is 61% below median its own 10-year median of 6.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is N1 Holdings stock overvalued right now?
Based on GuruFocus' analysis, N1 Holdings (ASX:N1H) is currently considered Significantly Undervalued. The stock's GF Value™ is A$0.31, compared to a current price of A$0.08 — trading 74.2% below its estimated fair value. The current PB Ratio is 2.35, which is 61% below median its 10-year median of 6.05 and 109.8% above the Banks industry median of 1.12. 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 N1 Holdings (ASX:N1H), the current PB Ratio is 2.35 as of Jul. 17, 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.
N1 Holdings Ltd is an Australian company. The company's operating segment includes Financial services; Real estate services; Migration Services and Others. It generates maximum revenue from the Financial Services segment. The financial services segment includes Mortgage broking, Commercial loan lending and Advisory service. Its Real estate services segment focused on Rental property management and property sales agent service. Geographically, it derives majority of its revenue from Australia.
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