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Ugro CapitalNSE:UGROCAP +2.24%71 PB Ratio is 0.51 as of Jul. 16, 2026, which is 46% below its 10-year median of 0.95. GuruFocus rates NSE:UGROCAP with a GF Score™ of 71/100 and a GF Value™ of ₹271.39 (Possible Value Trap). The stock has 6 warning signs investors should review. Among 525 Credit Services companies, Ugro Capital ranks better than 80.38% 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 (2026-07-16), Ugro Capital's share price is ₹97.77. Ugro Capital's Book Value per Share for the quarter that ended in Mar. 2026 was ₹190.17. Hence, Ugro Capital's PB Ratio of today is 0.51.
Good Sign:
Ugro Capital Ltd stock PB Ratio (=0.52) is close to 5-year low of 0.47.
The historical rank and industry rank for Ugro Capital's PB Ratio or its related term are showing as below:
NSE:UGROCAP'
s PB Ratio Range Over the Past 10 Years
Min: 0.3 Med: 0.95 Max: 2.02
Current: 0.52
During the past 13 years, Ugro Capital's highest PB Ratio was 2.02. The lowest was 0.30. And the median was 0.95.
NSE:UGROCAP's PB Ratio is ranked better than 80.38% of 525
companies
in the Credit Services industry
Industry Median: 1.05
vs NSE:UGROCAP: 0.52
During the past 12 months, Ugro Capital'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 11.00% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 10.10% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 9.30% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Ugro Capital was 72.70% per year. The lowest was -26.90% per year. And the median was 9.80% 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.
Ugro Capital PB Ratio Related Terms
Ugro Capital PB Ratio Historical Data
* Premium members only.
The historical data trend for Ugro Capital'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, Ugro Capital'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.
Ugro Capital PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Ugro Capital's PB Ratio distribution charts can be found below:
* The bar in red indicates where Ugro Capital'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.
Ugro Capital'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.
Ugro Capital (NSE:UGROCAP) has a PB Ratio of 0.51 as of Jul. 16, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Ugro Capital and its competitors. This is 46% below median its historical median of 0.95. Over the past decade, Ugro Capital's PB Ratio has ranged from 0.30 to 2.02. According to the industry distribution chart, Ugro Capital ranks #103 out of 525 companies in the Credit Services industry, placing it in the top 19.6%.
Is Ugro Capital's PB Ratio too high?
Ugro Capital's current PB Ratio of 0.51 is 46% below median its 10-year median of 0.95. Over the past 10 years, this metric has ranged from a low of 0.30 to a high of 2.02. The Credit Services industry median PB Ratio is 1.05. Ugro Capital's value of 0.51 is 51.4% below this industry median. Based on the distribution chart, Ugro Capital ranks #103 out of 525 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Ugro Capital has a GF Score™ of 71/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Ugro Capital's PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Ugro Capital ranks #103 out of 525 companies for PB Ratio. This places Ugro Capital in the top 20% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.05. Ugro Capital's value of 0.51 is 51.4% below this benchmark. Historically, Ugro Capital's own PB Ratio has ranged from 0.30 to 2.02 over the past decade. While the company's 10-year median is 0.95 vs. the industry median of 1.05, Ugro Capital 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 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. Ugro Capital's current PB Ratio of 0.51 is 51.4% 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 Ugro Capital 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. Ugro Capital's current PB Ratio is 0.51, which is 46% below median its own 10-year median of 0.95. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ugro Capital stock overvalued right now?
Based on GuruFocus' analysis, Ugro Capital (NSE:UGROCAP) is currently considered Possible Value Trap. The stock's GF Value™ is ₹271.39, compared to a current price of ₹97.77 — trading 64% below its estimated fair value. The current PB Ratio is 0.51, which is 46% below median its 10-year median of 0.95 and 51.4% below the Credit Services industry median of 1.05. Ugro Capital's overall GF Score™ is 71/100 with 6 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 Ugro Capital (NSE:UGROCAP), the current PB Ratio is 0.51 as of Jul. 16, 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 Ugro Capital (NSE:UGROCAP) Overvalued in 2026?
Based on GuruFocus' analysis, Ugro Capital stock appears to be undervalued.
The current stock price of ₹97.77 is trading 64% below its estimated GF Value™ of ₹271.39.
GuruFocus considers Ugro Capital to be Possible Value Trap.
Key valuation signals for NSE:UGROCAP:
PB Ratio: 0.51 (46% below median its 10-year median of 0.95)
GF Value™: ₹271.39 vs. price of ₹97.77 (64% below fair value)
Industry Position: 51.4% below the Credit Services median (#103 of 525)
No single metric tells the full story. See the NSE:UGROCAP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ugro Capital Ltd is a india based company, along with its subsidiarires engaged in the business of lending and deals in financing MSME sector with focus on Healthcare, Education, Chemicals, Food Processing/FMCG, Hospitality, Electrical Equipment & Components, Auto Components, and Light Engineering, Enterprise Mortgage Loans, School Funding Program, Machinery and Equipment Financing, Supply Chain Finance, NBFC Onward Lending and operates a fintech platform which forms part of the embedded finance ecosystem. The Group operates in a single segment, i.e., financing. It operates solely in India.
71GF Score
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