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Scotiabank PeruALIM:SCOTIAC1 37 PB Ratio is 1.26 as of Jul. 24, 2026, which is 30% below its 10-year median of 1.80. GuruFocus rates LIM:SCOTIAC1 with a GF Score™ of 37/100 and a GF Value™ of S/.11.49 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,511 Banks companies, Scotiabank PeruA ranks worse than 62.08% on this metric.
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. As of today (2026-07-24), Scotiabank PeruA's share price is S/.18.00. Scotiabank PeruA's Book Value per Share for the quarter that ended in Dec. 2025 was S/.14.24. Hence, Scotiabank PeruA's PB Ratio of today is 1.26.
Warning Sign:
Scotiabank Peru SAA stock PB Ratio (=1.26) is close to 3-year high of 1.26.
The historical rank and industry rank for Scotiabank PeruA's PB Ratio or its related term are showing as below:
LIM:SCOTIAC1'
s PB Ratio Range Over the Past 10 Years
Min: 0.64 Med: 1.8 Max: 2.97
Current: 1.26
During the past 13 years, Scotiabank PeruA's highest PB Ratio was 2.97. The lowest was 0.64. And the median was 1.80.
LIM:SCOTIAC1's PB Ratio is ranked worse than 62.08% of 1511
companies
in the Banks industry
Industry Median: 1.11
vs LIM:SCOTIAC1: 1.26
During the past 12 months, Scotiabank PeruA's average Book Value Per Share Growth Rate was -1.50% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 2.70% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 3.50% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 6.80% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Scotiabank PeruA was 16.30% per year. The lowest was -20.80% per year. And the median was 8.25% per year.
Back to Basics: PB Ratio
Scotiabank PeruA (LIM:SCOTIAC1) 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.
Scotiabank PeruA PB Ratio Related Terms
Scotiabank PeruA PB Ratio Historical Data
* Premium members only.
The historical data trend for Scotiabank PeruA'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 Banks - Regional subindustry, Scotiabank PeruA'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.
Scotiabank PeruA PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Scotiabank PeruA's PB Ratio distribution charts can be found below:
* The bar in red indicates where Scotiabank PeruA'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.
Scotiabank PeruA (LIM:SCOTIAC1) has a PB Ratio of 1.26 as of Jul. 24, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Scotiabank PeruA and its competitors. This is 30% below median its historical median of 1.80. Over the past decade, Scotiabank PeruA's PB Ratio has ranged from 0.64 to 2.97. According to the industry distribution chart, Scotiabank PeruA ranks #938 out of 1511 companies in the Banks industry, placing it in the top 62.1%.
Is Scotiabank PeruA's PB Ratio too high?
Scotiabank PeruA's current PB Ratio of 1.26 is 30% below median its 10-year median of 1.80. Over the past 10 years, this metric has ranged from a low of 0.64 to a high of 2.97. The Banks industry median PB Ratio is 1.11. Scotiabank PeruA's value of 1.26 is 13.5% above this industry median. Based on the distribution chart, Scotiabank PeruA ranks #938 out of 1511 companies in the Banks industry, which is below the industry midpoint. Overall, Scotiabank PeruA has a GF Score™ of 37/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Scotiabank PeruA's PB Ratio compare to USB and PNC?
According to the Banks industry distribution chart, Scotiabank PeruA ranks #938 out of 1511 companies for PB Ratio. This places Scotiabank PeruA in the lower half of its industry. The industry median PB Ratio is 1.11. Scotiabank PeruA's value of 1.26 is 13.5% above this benchmark. Historically, Scotiabank PeruA's own PB Ratio has ranged from 0.64 to 2.97 over the past decade. While the company's 10-year median is 1.80 vs. the industry median of 1.11, Scotiabank PeruA 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 1,511 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. Scotiabank PeruA's current PB Ratio of 1.26 is 13.5% 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 Scotiabank PeruA 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. Scotiabank PeruA's current PB Ratio is 1.26, which is 30% below median its own 10-year median of 1.80. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Scotiabank PeruA stock overvalued right now?
Based on GuruFocus' analysis, Scotiabank PeruA (LIM:SCOTIAC1) is currently considered Significantly Overvalued. The stock's GF Value™ is S/.11.49, compared to a current price of S/.18.00 — trading 56.7% above its estimated fair value. The current PB Ratio is 1.26, which is 30% below median its 10-year median of 1.80 and 13.5% above the Banks industry median of 1.11. Scotiabank PeruA's overall GF Score™ is 37/100 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 Scotiabank PeruA (LIM:SCOTIAC1), the current PB Ratio is 1.26 as of Jul. 24, 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 Scotiabank PeruA (LIM:SCOTIAC1) Overvalued in 2026?
Based on GuruFocus' analysis, Scotiabank PeruA stock appears to be overvalued.
The current stock price of S/.18.00 is trading 56.7% above its estimated GF Value™ of S/.11.49.
GuruFocus considers Scotiabank PeruA to be Significantly Overvalued.
Key valuation signals for LIM:SCOTIAC1:
PB Ratio: 1.26 (30% below median its 10-year median of 1.80)
GF Value™: S/.11.49 vs. price of S/.18.00 (56.7% above fair value)
Industry Position: 13.5% above the Banks median (#938 of 1511)
No single metric tells the full story. See the LIM:SCOTIAC1 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Scotiabank Peru SAA is a commercial bank and a subsidiary of the Bank of Nova Scotia (Scotiabank Group), operating in Peru. It serves individual, SME, corporate, and retail clients, offering products such as savings and current accounts, credit and debit cards, personal and vehicle loans, mortgage loans, and various insurance services. The bank also provides corporate banking, trade finance, leasing, e-banking, and foreign exchange services. Scotiabank Peru operates nationwide through branches and ATMs, with its headquarters in Lima. It focuses on retail, commercial, and corporate banking sectors in the Peruvian market.
37GF Score
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