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Bajaj Housing FinanceBOM:544252 -1.29%8 PB Ratio is 3.07 as of Sep. 02, 2026, which is 38% below its 10-year median of 4.94. GuruFocus rates BOM:544252 with a GF Score™ of 8/100. The stock has 3 warning signs investors should review. Among 1,508 Banks companies, Bajaj Housing Finance ranks worse than 96.09% on this metric.
Bajaj Housing Finance Ltd stock PB Ratio (=3.14) is close to 2-year low of 2.88.
The historical rank and industry rank for Bajaj Housing Finance's PB Ratio or its related term are showing as below:
BOM:544252'
s PB Ratio Range Over the Past 10 Years
Min: 2.88 Med: 4.94 Max: 9.26
Current: 3.1
During the past 5 years, Bajaj Housing Finance's highest PB Ratio was 9.26. The lowest was 2.88. And the median was 4.94.
BOM:544252's PB Ratio is ranked worse than 96.09% of 1508
companies
in the Banks industry
Industry Median: 1.11
vs BOM:544252: 3.10
During the past 12 months, Bajaj Housing Finance's average Book Value Per Share Growth Rate was 12.90% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 29.00% per year.
During the past 5 years, the highest 3-Year average Book Value Per Share Growth Rate of Bajaj Housing Finance was 43.60% per year. The lowest was 29.00% per year. And the median was 36.30% 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:544252 vs RKT, FNMA, PFSI: PB Ratio Comparison
For the Mortgage Finance subindustry, Bajaj Housing 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.
Bajaj Housing Finance PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Bajaj Housing Finance's PB Ratio distribution charts can be found below:
* The bar in red indicates where Bajaj Housing 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.
Bajaj Housing Finance (BOM:544252) has a PB Ratio of 3.07 as of Sep. 02, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Bajaj Housing Finance and its competitors. This is 38% below median its historical median of 4.94. Over the past decade, Bajaj Housing Finance's PB Ratio has ranged from 2.88 to 9.26. According to the industry distribution chart, Bajaj Housing Finance ranks #1449 out of 1508 companies in the Banks industry, placing it in the top 96.1%.
Is Bajaj Housing Finance's PB Ratio too high?
Bajaj Housing Finance's current PB Ratio of 3.07 is 38% below median its 10-year median of 4.94. Over the past 10 years, this metric has ranged from a low of 2.88 to a high of 9.26. The Banks industry median PB Ratio is 1.11. Bajaj Housing Finance's value of 3.07 is 176.6% above this industry median. Based on the distribution chart, Bajaj Housing Finance ranks #1449 out of 1508 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Bajaj Housing Finance has a GF Score™ of 8/100, reflecting its overall financial health beyond just this single metric.
How does Bajaj Housing Finance's PB Ratio compare to RKT and FNMA?
According to the Banks industry distribution chart, Bajaj Housing Finance ranks #1449 out of 1508 companies for PB Ratio. This places Bajaj Housing Finance in the lower half of its industry. The industry median PB Ratio is 1.11. Bajaj Housing Finance's value of 3.07 is 176.6% above this benchmark. Historically, Bajaj Housing Finance's own PB Ratio has ranged from 2.88 to 9.26 over the past decade. While the company's 10-year median is 4.94 vs. the industry median of 1.11, Bajaj Housing 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 1.11, based on 1,508 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. Bajaj Housing Finance's current PB Ratio of 3.07 is 176.6% 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 Bajaj Housing Finance and its competitors. For the Banks industry, the median PB Ratio is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bajaj Housing Finance's current PB Ratio is 3.07, which is 38% below median its own 10-year median of 4.94. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bajaj Housing Finance stock overvalued right now?
Bajaj Housing Finance (BOM:544252) has a current PB Ratio of 3.07. The current PB Ratio is 3.07, which is 38% below median its 10-year median of 4.94 and 176.6% above the Banks industry median of 1.11. Bajaj Housing Finance's overall GF Score™ is 8/100 with 3 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 Bajaj Housing Finance (BOM:544252), the current PB Ratio is 3.07 as of Sep. 02, 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.
Bajaj Housing Finance Ltd is a non-deposit-taking Housing Finance Company. The company offers financial solutions tailored to individuals and corporate entities for the purchase and renovation of homes and commercial spaces. The mortgage product suite of the company is comprehensive and comprises home loans, loans against property (LAP), lease rental discounting, and developer financing. The company's emphasis is on individual retail housing loans, complemented by a diversified collection of lease rental discounting and developer loans.
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