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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.
General CapitalNZSE:GEN -1.75%42 PB Ratio is 0.82 as of Jul. 15, 2026, which is 15% below its 10-year median of 0.97. GuruFocus rates NZSE:GEN with a GF Score™ of 42/100 and a GF Value™ of NZ$0.98 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 1,517 Banks companies, General Capital ranks better than 72.31% 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 (2026-07-15), General Capital's share price is NZ$0.28. General Capital's Book Value per Share for the quarter that ended in Mar. 2026 was NZ$0.34. Hence, General Capital's PB Ratio of today is 0.82.
The historical rank and industry rank for General Capital's PB Ratio or its related term are showing as below:
NZSE:GEN'
s PB Ratio Range Over the Past 10 Years
Min: 0.32 Med: 0.97 Max: 2.09
Current: 0.82
During the past 13 years, General Capital's highest PB Ratio was 2.09. The lowest was 0.32. And the median was 0.97.
NZSE:GEN's PB Ratio is ranked better than 72.31% of 1517
companies
in the Banks industry
Industry Median: 1.11
vs NZSE:GEN: 0.82
During the past 12 months, General Capital's average Book Value Per Share Growth Rate was 7.20% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 9.00% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 8.30% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 2.60% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of General Capital was 9.00% per year. The lowest was -41.70% per year. And the median was 1.60% 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.
General Capital PB Ratio Related Terms
General Capital PB Ratio Historical Data
* Premium members only.
The historical data trend for General 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 Mortgage Finance subindustry, General 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.
General Capital PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, General Capital's PB Ratio distribution charts can be found below:
* The bar in red indicates where General 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.
General 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.
General Capital (NZSE:GEN) has a PB Ratio of 0.82 as of Jul. 15, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on General Capital and its competitors. This is 15% below median its historical median of 0.97. Over the past decade, General Capital's PB Ratio has ranged from 0.32 to 2.09. According to the industry distribution chart, General Capital ranks #420 out of 1517 companies in the Banks industry, placing it in the top 27.7%.
Is General Capital's PB Ratio too high?
General Capital's current PB Ratio of 0.82 is 15% below median its 10-year median of 0.97. Over the past 10 years, this metric has ranged from a low of 0.32 to a high of 2.09. The Banks industry median PB Ratio is 1.11. General Capital's value of 0.82 is 26.1% below this industry median. Based on the distribution chart, General Capital ranks #420 out of 1517 companies in the Banks industry, which is above the industry midpoint. Overall, General Capital has a GF Score™ of 42/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does General Capital's PB Ratio compare to RKT and FNMA?
According to the Banks industry distribution chart, General Capital ranks #420 out of 1517 companies for PB Ratio. This puts General Capital in the upper half of its industry. The industry median PB Ratio is 1.11. General Capital's value of 0.82 is 26.1% below this benchmark. Historically, General Capital's own PB Ratio has ranged from 0.32 to 2.09 over the past decade. While the company's 10-year median is 0.97 vs. the industry median of 1.11, General 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 Banks company?
The median PB Ratio among Banks companies is 1.11, based on 1,517 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. General Capital's current PB Ratio of 0.82 is 26.1% 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 General Capital 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. General Capital's current PB Ratio is 0.82, which is 15% below median its own 10-year median of 0.97. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is General Capital stock overvalued right now?
Based on GuruFocus' analysis, General Capital (NZSE:GEN) is currently considered Possible Value Trap. The stock's GF Value™ is NZ$0.98, compared to a current price of NZ$0.28 — trading 71.4% below its estimated fair value. The current PB Ratio is 0.82, which is 15% below median its 10-year median of 0.97 and 26.1% below the Banks industry median of 1.11. General Capital's overall GF Score™ is 42/100 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 General Capital (NZSE:GEN), the current PB Ratio is 0.82 as of Jul. 15, 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 General Capital (NZSE:GEN) Overvalued in 2026?
Based on GuruFocus' analysis, General Capital stock appears to be undervalued.
The current stock price of NZ$0.28 is trading 71.4% below its estimated GF Value™ of NZ$0.98.
GuruFocus considers General Capital to be Possible Value Trap.
Key valuation signals for NZSE:GEN:
PB Ratio: 0.82 (15% below median its 10-year median of 0.97)
GF Value™: NZ$0.98 vs. price of NZ$0.28 (71.4% below fair value)
Industry Position: 26.1% below the Banks median (#420 of 1517)
No single metric tells the full story. See the NZSE:GEN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
General Capital Ltd through its subsidiaries engaged in providing financial services. The company accepts deposits and also lends funds to borrowers over residential property. It operates through three segments: Finance: Deposit taking and property mortgage lending, and insurance premium funding, Research and Advisory: Provides investment advisory services and produces and sells investment research and publications. Corporate and Other: Corporate function and investment activities. The Finance segment generates the majority of revenue for the company.
42GF Score
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