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.
India Shelter Finance Corporation Ltd stock PB Ratio (=2.28) is close to 3-year low of 2.28.
The historical rank and industry rank for India Shelter Finance's PB Ratio or its related term are showing as below:
BOM:544044'
s PB Ratio Range Over the Past 10 Years
Min: 2.28 Med: 3.04 Max: 4.44
Current: 2.28
During the past 6 years, India Shelter Finance's highest PB Ratio was 4.44. The lowest was 2.28. And the median was 3.04.
BOM:544044's PB Ratio is ranked worse than 91.93% of 1512
companies
in the Banks industry
Industry Median: 1.12
vs BOM:544044: 2.28
During the past 12 months, India Shelter Finance's average Book Value Per Share Growth Rate was 17.10% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 36.40% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 30.90% per year.
During the past 6 years, the highest 3-Year average Book Value Per Share Growth Rate of India Shelter Finance was 36.40% per year. The lowest was 34.90% per year. And the median was 35.70% 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.
* 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:544044 vs RKT, FNMA, PFSI: PB Ratio Comparison
For the Mortgage Finance subindustry, India Shelter Finance'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.
India Shelter Finance PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, India Shelter Finance's PB Ratio distribution charts can be found below:
* The bar in red indicates where India Shelter Finance'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.
India Shelter Finance (BOM:544044) has a PB Ratio of 2.28 as of Aug. 15, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on India Shelter Finance and its competitors. This is 25% below median its historical median of 3.04. Over the past decade, India Shelter Finance's PB Ratio has ranged from 2.28 to 4.44. According to the industry distribution chart, India Shelter Finance ranks #1390 out of 1512 companies in the Banks industry, placing it in the top 91.9%.
Is India Shelter Finance's PB Ratio too high?
India Shelter Finance's current PB Ratio of 2.28 is 25% below median its 10-year median of 3.04. Over the past 10 years, this metric has ranged from a low of 2.28 to a high of 4.44. The Banks industry median PB Ratio is 1.12. India Shelter Finance's value of 2.28 is 103.6% above this industry median. Based on the distribution chart, India Shelter Finance ranks #1390 out of 1512 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, India Shelter Finance has a GF Score™ of 59/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does India Shelter Finance's PB Ratio compare to RKT and FNMA?
According to the Banks industry distribution chart, India Shelter Finance ranks #1390 out of 1512 companies for PB Ratio. This places India Shelter Finance in the lower half of its industry. The industry median PB Ratio is 1.12. India Shelter Finance's value of 2.28 is 103.6% above this benchmark. Historically, India Shelter Finance's own PB Ratio has ranged from 2.28 to 4.44 over the past decade. While the company's 10-year median is 3.04 vs. the industry median of 1.12, India Shelter Finance 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 1,512 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. India Shelter Finance's current PB Ratio of 2.28 is 103.6% 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 India Shelter Finance 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. India Shelter Finance's current PB Ratio is 2.28, which is 25% below median its own 10-year median of 3.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is India Shelter Finance stock overvalued right now?
Based on GuruFocus' analysis, India Shelter Finance (BOM:544044) is currently considered Possible Value Trap. The stock's GF Value™ is ₹1,174.46, compared to a current price of ₹669.85 — trading 43% below its estimated fair value. The current PB Ratio is 2.28, which is 25% below median its 10-year median of 3.04 and 103.6% above the Banks industry median of 1.12. India Shelter Finance'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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For India Shelter Finance (BOM:544044), the current PB Ratio is 2.28 as of Aug. 15, 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 Shelter Finance (BOM:544044) Overvalued in 2026?
Based on GuruFocus' analysis, India Shelter Finance stock appears to be undervalued.
The current stock price of ₹669.85 is trading 43% below its estimated GF Value™ of ₹1,174.46.
GuruFocus considers India Shelter Finance to be Possible Value Trap.
Key valuation signals for BOM:544044:
PB Ratio: 2.28 (25% below median its 10-year median of 3.04)
GF Value™: ₹1,174.46 vs. price of ₹669.85 (43% below fair value)
Industry Position: 103.6% above the Banks median (#1390 of 1512)
No single metric tells the full story. See the BOM:544044 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
India Shelter Finance Corporation Ltd caters to the housing needs of the self-employed, informal segment of customers, belonging to the middle income, predominantly from semi-urban and rural markets. It is engaged in providing secured retail home loans, home equity loans, and loans against property to borrowers for a period of up to twenty years. These loans are mainly to be used by borrowers for home purchase, home improvements, home extension, and the construction of dwelling units on plots owned by borrowers. Geographically, the company's operations are spread across different regions in India.
59GF Score
Get the complete analysis for BOM:544044
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
BOM:544044 has been successfully added to your 
