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The historical rank and industry rank for Scotia Group Jamaica's PB Ratio or its related term are showing as below:
XJAM:SGJ'
s PB Ratio Range Over the Past 10 Years
Min: 0.83 Med: 1.18 Max: 1.94
Current: 1.05
During the past 13 years, Scotia Group Jamaica's highest PB Ratio was 1.94. The lowest was 0.83. And the median was 1.18.
XJAM:SGJ's PB Ratio is ranked better than 56.24% of 1515
companies
in the Banks industry
Industry Median: 1.12
vs XJAM:SGJ: 1.05
During the past 12 months, Scotia Group Jamaica's average Book Value Per Share Growth Rate was 8.80% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 12.30% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 6.90% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 4.60% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Scotia Group Jamaica was 12.30% per year. The lowest was -3.40% per year. And the median was 9.10% 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.
Scotia Group Jamaica PB Ratio Related Terms
Scotia Group Jamaica PB Ratio Historical Data
* Premium members only.
The historical data trend for Scotia Group Jamaica'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, Scotia Group Jamaica'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.
Scotia Group Jamaica PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Scotia Group Jamaica's PB Ratio distribution charts can be found below:
* The bar in red indicates where Scotia Group Jamaica'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.
Scotia Group Jamaica (XJAM:SGJ) has a PB Ratio of 1.05 as of Aug. 16, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Scotia Group Jamaica and its competitors. This is 11% below median its historical median of 1.18. Over the past decade, Scotia Group Jamaica's PB Ratio has ranged from 0.83 to 1.94. According to the industry distribution chart, Scotia Group Jamaica ranks #663 out of 1515 companies in the Banks industry, placing it in the top 43.8%.
Is Scotia Group Jamaica's PB Ratio too high?
Scotia Group Jamaica's current PB Ratio of 1.05 is 11% below median its 10-year median of 1.18. Over the past 10 years, this metric has ranged from a low of 0.83 to a high of 1.94. The Banks industry median PB Ratio is 1.12. Scotia Group Jamaica's value of 1.05 is 6.3% below this industry median. Based on the distribution chart, Scotia Group Jamaica ranks #663 out of 1515 companies in the Banks industry, which is above the industry midpoint. Overall, Scotia Group Jamaica has a GF Score™ of 81/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Scotia Group Jamaica's PB Ratio compare to PNC and USB?
According to the Banks industry distribution chart, Scotia Group Jamaica ranks #663 out of 1515 companies for PB Ratio. This puts Scotia Group Jamaica in the upper half of its industry. The industry median PB Ratio is 1.12. Scotia Group Jamaica's value of 1.05 is 6.3% below this benchmark. Historically, Scotia Group Jamaica's own PB Ratio has ranged from 0.83 to 1.94 over the past decade. While the company's 10-year median is 1.18 vs. the industry median of 1.12, Scotia Group Jamaica 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 1.12, based on 1,515 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. Scotia Group Jamaica's current PB Ratio of 1.05 is 6.3% 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 Scotia Group Jamaica and its competitors. For the Banks industry, the median PB Ratio is 1.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Scotia Group Jamaica's current PB Ratio is 1.05, which is 11% below median its own 10-year median of 1.18. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Scotia Group Jamaica stock overvalued right now?
Based on GuruFocus' analysis, Scotia Group Jamaica (XJAM:SGJ) is currently considered Fairly Valued. The stock's GF Value™ is JMD58.51, compared to a current price of JMD57.10 — trading 2.4% below its estimated fair value. The current PB Ratio is 1.05, which is 11% below median its 10-year median of 1.18 and 6.3% below the Banks industry median of 1.12. Scotia Group Jamaica's overall GF Score™ is 81/100 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 Scotia Group Jamaica (XJAM:SGJ), the current PB Ratio is 1.05 as of Aug. 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 Scotia Group Jamaica (XJAM:SGJ) Overvalued in 2026?
Based on GuruFocus' analysis, Scotia Group Jamaica stock appears to be undervalued.
The current stock price of JMD57.10 is trading 2.4% below its estimated GF Value™ of JMD58.51.
GuruFocus considers Scotia Group Jamaica to be Fairly Valued.
Key valuation signals for XJAM:SGJ:
PB Ratio: 1.05 (11% below median its 10-year median of 1.18)
GF Value™: JMD58.51 vs. price of JMD57.10 (2.4% below fair value)
Industry Position: 6.3% below the Banks median (#663 of 1515)
No single metric tells the full story. See the XJAM:SGJ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Scotia Group Jamaica Ltd is a Jamaican financial holding company. It provides a range of financial services through its subsidiaries to personal, commercial, corporate, and government clients across Jamaica. The company has six business segments: Retail, Corporate and Commercial, Treasury, Investment Management Services, Insurance Services, and Others. It generates maximum revenue from the Retail banking segment. The retail banking segment includes personal banking services, personal deposit accounts, credit and debit cards, consumer loans, mortgages, and microfinance.
81GF Score
Get the complete analysis for XJAM:SGJ
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