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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Power FinanceNSE:PFC +0.87%72 PB Ratio is 1.01 as of Jul. 18, 2026, which is 68% above its 10-year median of 0.60. GuruFocus rates NSE:PFC with a GF Score™ of 72/100 and a GF Value™ of ₹387.99 (Fairly Valued). The stock has 3 warning signs investors should review. Among 525 Credit Services companies, Power Finance ranks better than 53.33% 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 (2026-07-18), Power Finance's share price is ₹404.85. Power Finance's Book Value per Share for the quarter that ended in Mar. 2026 was ₹402.60. Hence, Power Finance's PB Ratio of today is 1.01.
The historical rank and industry rank for Power Finance's PB Ratio or its related term are showing as below:
NSE:PFC'
s PB Ratio Range Over the Past 10 Years
Min: 0.35 Med: 0.6 Max: 1.66
Current: 1.01
During the past 13 years, Power Finance's highest PB Ratio was 1.66. The lowest was 0.35. And the median was 0.60.
NSE:PFC's PB Ratio is ranked better than 53.33% of 525
companies
in the Credit Services industry
Industry Median: 1.06
vs NSE:PFC: 1.01
During the past 12 months, Power Finance's average Book Value Per Share Growth Rate was 12.80% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 16.40% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 17.30% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 15.10% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Power Finance was 19.40% per year. The lowest was 5.50% per year. And the median was 15.35% 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.
Power Finance PB Ratio Related Terms
Power Finance PB Ratio Historical Data
* Premium members only.
The historical data trend for Power Finance'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 Credit Services subindustry, Power 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.
Power Finance PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Power Finance's PB Ratio distribution charts can be found below:
* The bar in red indicates where Power 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.
Power Finance's PB Ratio for today is calculated as follows:
* 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.
Power Finance (NSE:PFC) has a PB Ratio of 1.01 as of Jul. 18, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Power Finance and its competitors. This is 68% above median its historical median of 0.60. Over the past decade, Power Finance's PB Ratio has ranged from 0.35 to 1.66. According to the industry distribution chart, Power Finance ranks #245 out of 525 companies in the Credit Services industry, placing it in the top 46.7%.
Is Power Finance's PB Ratio too high?
Power Finance's current PB Ratio of 1.01 is 68% above median its 10-year median of 0.60. Over the past 10 years, this metric has ranged from a low of 0.35 to a high of 1.66. The Credit Services industry median PB Ratio is 1.06. Power Finance's value of 1.01 is 4.7% below this industry median. Based on the distribution chart, Power Finance ranks #245 out of 525 companies in the Credit Services industry, which is above the industry midpoint. Overall, Power Finance has a GF Score™ of 72/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Power Finance's PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Power Finance ranks #245 out of 525 companies for PB Ratio. This puts Power Finance in the upper half of its industry. The industry median PB Ratio is 1.06. Power Finance's value of 1.01 is 4.7% below this benchmark. Historically, Power Finance's own PB Ratio has ranged from 0.35 to 1.66 over the past decade. While the company's 10-year median is 0.60 vs. the industry median of 1.06, Power Finance 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 1.06, based on 525 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. Power Finance's current PB Ratio of 1.01 is 4.7% 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 Power Finance and its competitors. For the Credit Services industry, the median PB Ratio is 1.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Power Finance's current PB Ratio is 1.01, which is 68% above median its own 10-year median of 0.60. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Power Finance stock overvalued right now?
Based on GuruFocus' analysis, Power Finance (NSE:PFC) is currently considered Fairly Valued. The stock's GF Value™ is ₹387.99, compared to a current price of ₹404.85 — trading 4.3% above its estimated fair value. The current PB Ratio is 1.01, which is 68% above median its 10-year median of 0.60 and 4.7% below the Credit Services industry median of 1.06. Power Finance's overall GF Score™ is 72/100 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 Power Finance (NSE:PFC), the current PB Ratio is 1.01 as of Jul. 18, 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 Power Finance (NSE:PFC) Overvalued in 2026?
Based on GuruFocus' analysis, Power Finance stock appears to be overvalued.
The current stock price of ₹404.85 is trading 4.3% above its estimated GF Value™ of ₹387.99.
GuruFocus considers Power Finance to be Fairly Valued.
Key valuation signals for NSE:PFC:
PB Ratio: 1.01 (68% above median its 10-year median of 0.60)
GF Value™: ₹387.99 vs. price of ₹404.85 (4.3% above fair value)
Industry Position: 4.7% below the Credit Services median (#245 of 525)
No single metric tells the full story. See the NSE:PFC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Power Finance Corp Ltd is a financial institution operating in India and dedicated to financing the country's power, logistics, and infrastructure sectors and its various projects. The company serves state power utilities, central power sector utilities, power departments, private power sector utilities, joint sector power utilities, power equipment manufacturers, and municipal power utilities. The company's main products include rupee-term loans, short-term loans, and a buyer line of credit. Interest income is the company's main source of revenue.
72GF Score
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