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PT Bank Sinarmas TbkFRA:08S 48 PB Ratio is 1.32 as of Jul. 17, 2026, which is 35% below its 10-year median of 2.04. GuruFocus rates FRA:08S with a GF Score™ of 48/100 and a GF Value™ of €0.03. The stock has 1 warning sign investors should review. Among 1,517 Banks companies, PT Bank Sinarmas Tbk ranks worse than 81.28% on this metric.
PT Bank Sinarmas Tbk stock PB Ratio (=1.62) is close to 5-year low of 1.49.
The historical rank and industry rank for PT Bank Sinarmas Tbk's PB Ratio or its related term are showing as below:
FRA:08S'
s PB Ratio Range Over the Past 10 Years
Min: 1.3 Med: 2.04 Max: 3.44
Current: 1.62
During the past 13 years, PT Bank Sinarmas Tbk's highest PB Ratio was 3.44. The lowest was 1.30. And the median was 2.04.
FRA:08S's PB Ratio is ranked worse than 81.28% of 1517
companies
in the Banks industry
Industry Median: 1.12
vs FRA:08S: 1.62
During the past 12 months, PT Bank Sinarmas Tbk's average Book Value Per Share Growth Rate was 4.30% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 6.00% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 3.00% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 4.80% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of PT Bank Sinarmas Tbk was 31.80% per year. The lowest was -1.10% per year. And the median was 8.45% per year.
Back to Basics: PB Ratio
PT Bank Sinarmas Tbk (FRA:08S) PB Ratio Explanation
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.
PT Bank Sinarmas Tbk PB Ratio Related Terms
PT Bank Sinarmas Tbk PB Ratio Historical Data
* Premium members only.
The historical data trend for PT Bank Sinarmas Tbk'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.
PT Bank Sinarmas Tbk PB Ratio Competitor Comparison
For the Banks - Regional subindustry, PT Bank Sinarmas Tbk'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.
PT Bank Sinarmas Tbk PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, PT Bank Sinarmas Tbk's PB Ratio distribution charts can be found below:
* The bar in red indicates where PT Bank Sinarmas Tbk'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.
PT Bank Sinarmas Tbk (FRA:08S) has a PB Ratio of 1.32 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 PT Bank Sinarmas Tbk and its competitors. This is 35% below median its historical median of 2.04. Over the past decade, PT Bank Sinarmas Tbk's PB Ratio has ranged from 1.30 to 3.44. According to the industry distribution chart, PT Bank Sinarmas Tbk ranks #1233 out of 1517 companies in the Banks industry, placing it in the top 81.3%.
Is PT Bank Sinarmas Tbk's PB Ratio too high?
PT Bank Sinarmas Tbk's current PB Ratio of 1.32 is 35% below median its 10-year median of 2.04. Over the past 10 years, this metric has ranged from a low of 1.30 to a high of 3.44. The Banks industry median PB Ratio is 1.12. PT Bank Sinarmas Tbk's value of 1.32 is 17.9% above this industry median. Based on the distribution chart, PT Bank Sinarmas Tbk ranks #1233 out of 1517 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, PT Bank Sinarmas Tbk has a GF Score™ of 48/100, reflecting its overall financial health beyond just this single metric.
How does PT Bank Sinarmas Tbk's PB Ratio compare to competitors?
According to the Banks industry distribution chart, PT Bank Sinarmas Tbk ranks #1233 out of 1517 companies for PB Ratio. This places PT Bank Sinarmas Tbk in the lower half of its industry. The industry median PB Ratio is 1.12. PT Bank Sinarmas Tbk's value of 1.32 is 17.9% above this benchmark. Historically, PT Bank Sinarmas Tbk's own PB Ratio has ranged from 1.30 to 3.44 over the past decade. While the company's 10-year median is 2.04 vs. the industry median of 1.12, PT Bank Sinarmas Tbk 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. PT Bank Sinarmas Tbk's current PB Ratio of 1.32 is 17.9% 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 PT Bank Sinarmas Tbk 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. PT Bank Sinarmas Tbk's current PB Ratio is 1.32, which is 35% below median its own 10-year median of 2.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Sinarmas Tbk stock overvalued right now?
PT Bank Sinarmas Tbk (FRA:08S) has a current PB Ratio of 1.32. The stock's GF Value™ is €0.03, compared to a current price of €0.03 — trading 3.3% below its estimated fair value. The current PB Ratio is 1.32, which is 35% below median its 10-year median of 2.04 and 17.9% above the Banks industry median of 1.12. PT Bank Sinarmas Tbk's overall GF Score™ is 48/100 with 1 warning sign 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 PT Bank Sinarmas Tbk (FRA:08S), the current PB Ratio is 1.32 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.
Is PT Bank Sinarmas Tbk (FRA:08S) Overvalued in 2026?
Based on GuruFocus' analysis, PT Bank Sinarmas Tbk stock appears to be undervalued.
The current stock price of €0.03 is trading 3.3% below its estimated GF Value™ of €0.03.
Key valuation signals for FRA:08S:
PB Ratio: 1.32 (35% below median its 10-year median of 2.04)
GF Value™: €0.03 vs. price of €0.03 (3.3% below fair value)
Industry Position: 17.9% above the Banks median (#1233 of 1517)
No single metric tells the full story. See the FRA:08S stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Bank Sinarmas Tbk provides financial services. The company is involved in credit activities, fund collection, banking service and e-banking products, bancassurance and investment products sales, credit card business, international business activities and treasury, and sharia business unit. It collects funds from the public to be distributed in the form of loans to both individuals and corporations. The company's operating segment includes Commercial Bank and Sharia Business Unit. It generates maximum revenue from the Commercial Bank segment which includes Marketing and Credit, Treasury, and Trade Finance.
48GF Score
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