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Adamjee Insurance CoKAR:AICL -2.00%68 PB Ratio is 0.64 as of Aug. 05, 2026, which is 8% above its 10-year median of 0.59. GuruFocus rates KAR:AICL with a GF Score™ of 68/100 and a GF Value™ of ₨62.36 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 496 Insurance companies, Adamjee Insurance Co ranks better than 86.69% on this metric.
The historical rank and industry rank for Adamjee Insurance Co's PB Ratio or its related term are showing as below:
KAR:AICL'
s PB Ratio Range Over the Past 10 Years
Min: 0.28 Med: 0.59 Max: 1.63
Current: 0.65
During the past 13 years, Adamjee Insurance Co's highest PB Ratio was 1.63. The lowest was 0.28. And the median was 0.59.
KAR:AICL's PB Ratio is ranked better than 86.69% of 496
companies
in the Insurance industry
Industry Median: 1.395
vs KAR:AICL: 0.65
During the past 12 months, Adamjee Insurance Co's average Book Value Per Share Growth Rate was 15.40% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 26.30% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 17.80% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 10.40% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Adamjee Insurance Co was 26.30% per year. The lowest was -1.80% per year. And the median was 8.65% 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.
Adamjee Insurance Co PB Ratio Related Terms
Adamjee Insurance Co PB Ratio Historical Data
* Premium members only.
The historical data trend for Adamjee Insurance Co'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 Insurance - Property & Casualty subindustry, Adamjee Insurance Co'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.
Adamjee Insurance Co PB Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Adamjee Insurance Co's PB Ratio distribution charts can be found below:
* The bar in red indicates where Adamjee Insurance Co'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.
Adamjee Insurance Co (KAR:AICL) has a PB Ratio of 0.64 as of Aug. 05, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Adamjee Insurance Co and its competitors. This is near median its historical median of 0.59. Over the past decade, Adamjee Insurance Co's PB Ratio has ranged from 0.28 to 1.63. According to the industry distribution chart, Adamjee Insurance Co ranks #66 out of 496 companies in the Insurance industry, placing it in the top 13.3%.
Is Adamjee Insurance Co's PB Ratio too high?
Adamjee Insurance Co's current PB Ratio of 0.64 is near median its 10-year median of 0.59. Over the past 10 years, this metric has ranged from a low of 0.28 to a high of 1.63. The Insurance industry median PB Ratio is 1.40. Adamjee Insurance Co's value of 0.64 is 54.1% below this industry median. Based on the distribution chart, Adamjee Insurance Co ranks #66 out of 496 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Adamjee Insurance Co has a GF Score™ of 68/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Adamjee Insurance Co's PB Ratio compare to CB and PGR?
According to the Insurance industry distribution chart, Adamjee Insurance Co ranks #66 out of 496 companies for PB Ratio. This places Adamjee Insurance Co in the top 13% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.40. Adamjee Insurance Co's value of 0.64 is 54.1% below this benchmark. Historically, Adamjee Insurance Co's own PB Ratio has ranged from 0.28 to 1.63 over the past decade. While the company's 10-year median is 0.59 vs. the industry median of 1.40, Adamjee Insurance Co has consistently been below 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 an Insurance company?
The median PB Ratio among Insurance companies is 1.40, based on 496 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. Adamjee Insurance Co's current PB Ratio of 0.64 is 54.1% below 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 Adamjee Insurance Co and its competitors. For the Insurance industry, the median PB Ratio is 1.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Adamjee Insurance Co's current PB Ratio is 0.64, which is near median its own 10-year median of 0.59. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Adamjee Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, Adamjee Insurance Co (KAR:AICL) is currently considered Significantly Overvalued. The stock's GF Value™ is ₨62.36, compared to a current price of ₨91.92 — trading 47.4% above its estimated fair value. The current PB Ratio is 0.64, which is near median its 10-year median of 0.59 and 54.1% below the Insurance industry median of 1.40. Adamjee Insurance Co's overall GF Score™ is 68/100 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 Adamjee Insurance Co (KAR:AICL), the current PB Ratio is 0.64 as of Aug. 05, 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 Adamjee Insurance Co (KAR:AICL) Overvalued in 2026?
Based on GuruFocus' analysis, Adamjee Insurance Co stock appears to be overvalued.
The current stock price of ₨91.92 is trading 47.4% above its estimated GF Value™ of ₨62.36.
GuruFocus considers Adamjee Insurance Co to be Significantly Overvalued.
Key valuation signals for KAR:AICL:
PB Ratio: 0.64 (near median its 10-year median of 0.59)
GF Value™: ₨62.36 vs. price of ₨91.92 (47.4% above fair value)
Industry Position: 54.1% below the Insurance median (#66 of 496)
No single metric tells the full story. See the KAR:AICL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Adamjee Insurance Co Ltd is an insurance company engaged in providing insurance to various categories of businesses, such as Fire and Property, Marine Aviation and Transport, Motor, Accident and Health, and Miscellaneous Insurance. Some of the company's high-risk-value projects include the risk-coverage provision to Petrochemical Factories and Industrial Risk projects. It has five primary business segments for reporting purposes, namely Fire & property, marine aviation & transport, motor, accident & health, and miscellaneous. The company generates the majority of its revenue from the Motor segment.
68GF Score
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