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Security Investment BankKAR:SIBL +3.05%31 PB Ratio is 0.56 as of Jul. 27, 2026, which is 12% above its 10-year median of 0.50. GuruFocus rates KAR:SIBL with a GF Score™ of 31/100. The stock has 3 warning signs investors should review. Among 526 Credit Services companies, Security Investment Bank ranks better than 78.52% on this metric.
Security Investment Bank Ltd stock PB Ratio (=0.56) is close to 1-year low of 0.53.
The historical rank and industry rank for Security Investment Bank's PB Ratio or its related term are showing as below:
KAR:SIBL'
s PB Ratio Range Over the Past 10 Years
Min: 0.26 Med: 0.5 Max: 0.99
Current: 0.56
During the past 13 years, Security Investment Bank's highest PB Ratio was 0.99. The lowest was 0.26. And the median was 0.50.
KAR:SIBL's PB Ratio is ranked better than 78.52% of 526
companies
in the Credit Services industry
Industry Median: 1.05
vs KAR:SIBL: 0.56
During the past 12 months, Security Investment Bank's average Book Value Per Share Growth Rate was -7.80% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 3.40% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 2.70% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 4.40% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Security Investment Bank was 7.30% per year. The lowest was 2.00% per year. And the median was 4.35% per year.
Back to Basics: PB Ratio
Security Investment Bank (KAR:SIBL) 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.
* 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, Security Investment Bank'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.
Security Investment Bank PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Security Investment Bank's PB Ratio distribution charts can be found below:
* The bar in red indicates where Security Investment Bank'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.
Security Investment Bank (KAR:SIBL) has a PB Ratio of 0.56 as of Jul. 27, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Security Investment Bank and its competitors. This is 12% above median its historical median of 0.50. Over the past decade, Security Investment Bank's PB Ratio has ranged from 0.26 to 0.99. According to the industry distribution chart, Security Investment Bank ranks #113 out of 526 companies in the Credit Services industry, placing it in the top 21.5%.
Is Security Investment Bank's PB Ratio too high?
Security Investment Bank's current PB Ratio of 0.56 is 12% above median its 10-year median of 0.50. Over the past 10 years, this metric has ranged from a low of 0.26 to a high of 0.99. The Credit Services industry median PB Ratio is 1.05. Security Investment Bank's value of 0.56 is 46.7% below this industry median. Based on the distribution chart, Security Investment Bank ranks #113 out of 526 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Security Investment Bank has a GF Score™ of 31/100, reflecting its overall financial health beyond just this single metric.
How does Security Investment Bank's PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Security Investment Bank ranks #113 out of 526 companies for PB Ratio. This places Security Investment Bank in the top 22% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.05. Security Investment Bank's value of 0.56 is 46.7% below this benchmark. Historically, Security Investment Bank's own PB Ratio has ranged from 0.26 to 0.99 over the past decade. While the company's 10-year median is 0.50 vs. the industry median of 1.05, Security Investment Bank 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 a Credit Services company?
The median PB Ratio among Credit Services companies is 1.05, 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. Security Investment Bank's current PB Ratio of 0.56 is 46.7% 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 Security Investment Bank and its competitors. For the Credit Services industry, the median PB Ratio is 1.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Security Investment Bank's current PB Ratio is 0.56, which is 12% above median its own 10-year median of 0.50. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Security Investment Bank stock overvalued right now?
Security Investment Bank (KAR:SIBL) has a current PB Ratio of 0.56. The current PB Ratio is 0.56, which is 12% above median its 10-year median of 0.50 and 46.7% below the Credit Services industry median of 1.05. Security Investment Bank's overall GF Score™ is 31/100 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 Security Investment Bank (KAR:SIBL), the current PB Ratio is 0.56 as of Jul. 27, 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.
Security Investment Bank Ltd Company is licensed to carry out the business of investment finance services as a Non-Banking Finance Company (NBFC). The operations of the Company in Pakistan only.
31GF Score
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