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BOM:504973'
s PB Ratio Range Over the Past 10 Years
Min: 0.63 Med: 2.2 Max: 4.28
Current: 1.96
During the past 13 years, Cholamandalam Financial Holdings's highest PB Ratio was 4.28. The lowest was 0.63. And the median was 2.20.
BOM:504973's PB Ratio is ranked worse than 73.19% of 526
companies
in the Credit Services industry
Industry Median: 1.06
vs BOM:504973: 1.96
During the past 12 months, Cholamandalam Financial Holdings's average Book Value Per Share Growth Rate was 23.50% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was -1.30% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 21.50% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 20.20% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Cholamandalam Financial Holdings was 51.80% per year. The lowest was -1.30% per year. And the median was 17.80% 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.
Cholamandalam Financial Holdings PB Ratio Related Terms
Cholamandalam Financial Holdings PB Ratio Historical Data
* 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, Cholamandalam Financial 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.
Cholamandalam Financial Holdings PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Cholamandalam Financial Holdings's PB Ratio distribution charts can be found below:
* The bar in red indicates where Cholamandalam Financial Holdings's PB Ratio falls into.
Cholamandalam Financial Holdings PB Ratio Calculation
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.
Cholamandalam Financial Holdings (BOM:504973) has a PB Ratio of 1.96 as of Aug. 12, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Cholamandalam Financial Holdings and its competitors. This is 11% below median its historical median of 2.20. Over the past decade, Cholamandalam Financial Holdings' PB Ratio has ranged from 0.63 to 4.28. According to the industry distribution chart, Cholamandalam Financial Holdings ranks #385 out of 526 companies in the Credit Services industry, placing it in the top 73.2%.
Is Cholamandalam Financial Holdings' PB Ratio too high?
Cholamandalam Financial Holdings' current PB Ratio of 1.96 is 11% below median its 10-year median of 2.20. Over the past 10 years, this metric has ranged from a low of 0.63 to a high of 4.28. The Credit Services industry median PB Ratio is 1.06. Cholamandalam Financial Holdings' value of 1.96 is 84.9% above this industry median. Based on the distribution chart, Cholamandalam Financial Holdings ranks #385 out of 526 companies in the Credit Services industry, which is below the industry midpoint. Overall, Cholamandalam Financial Holdings has a GF Score™ of 76/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Cholamandalam Financial Holdings' PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Cholamandalam Financial Holdings ranks #385 out of 526 companies for PB Ratio. This places Cholamandalam Financial Holdings in the lower half of its industry. The industry median PB Ratio is 1.06. Cholamandalam Financial Holdings' value of 1.96 is 84.9% above this benchmark. Historically, Cholamandalam Financial Holdings' own PB Ratio has ranged from 0.63 to 4.28 over the past decade. While the company's 10-year median is 2.20 vs. the industry median of 1.06, Cholamandalam Financial 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 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. Cholamandalam Financial Holdings's current PB Ratio of 1.96 is 84.9% 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 Cholamandalam Financial Holdings 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. Cholamandalam Financial Holdings's current PB Ratio is 1.96, which is 11% below median its own 10-year median of 2.20. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Cholamandalam Financial Holdings stock overvalued right now?
Based on GuruFocus' analysis, Cholamandalam Financial Holdings (BOM:504973) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹2,115.69, compared to a current price of ₹1,611.05 — trading 23.9% below its estimated fair value. The current PB Ratio is 1.96, which is 11% below median its 10-year median of 2.20 and 84.9% above the Credit Services industry median of 1.06. Cholamandalam Financial Holdings' overall GF Score™ is 76/100 with 4 warning signs to review. 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 Cholamandalam Financial Holdings (BOM:504973), the current PB Ratio is 1.96 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 Cholamandalam Financial Holdings (BOM:504973) Overvalued in 2026?
Based on GuruFocus' analysis, Cholamandalam Financial Holdings stock appears to be undervalued.
The current stock price of ₹1,611.05 is trading 23.9% below its estimated GF Value™ of ₹2,115.69.
GuruFocus considers Cholamandalam Financial Holdings to be Modestly Undervalued.
Key valuation signals for BOM:504973:
PB Ratio: 1.96 (11% below median its 10-year median of 2.20)
GF Value™: ₹2,115.69 vs. price of ₹1,611.05 (23.9% below fair value)
Industry Position: 84.9% above the Credit Services median (#385 of 526)
No single metric tells the full story. See the BOM:504973 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Cholamandalam Financial Holdings Ltd along with its subsidiaries is a diversified investment company under the Murugappa Group. It offers financial services that include general insurance, residential mortgages, auto loans, risk services, and non-banking financial services. The company's activities are located exclusively in India. It has two primary product segments which include the Financial Services segment which derives key revenue and represents its lending business, and the Insurance and allied services segment.
76GF Score
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