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Ad-Manum FinanceBOM:511359 +0.83%68 PB Ratio is 0.50 as of Jul. 17, 2026, which is at its 10-year median of 0.50. GuruFocus rates BOM:511359 with a GF Score™ of 68/100 and a GF Value™ of ₹78.33 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 525 Credit Services companies, Ad-Manum Finance ranks better than 81.52% 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 (2026-07-17), Ad-Manum Finance's share price is ₹60.50. Ad-Manum Finance's Book Value per Share for the quarter that ended in Mar. 2026 was ₹121.79. Hence, Ad-Manum Finance's PB Ratio of today is 0.50.
The historical rank and industry rank for Ad-Manum Finance's PB Ratio or its related term are showing as below:
BOM:511359'
s PB Ratio Range Over the Past 10 Years
Min: 0.13 Med: 0.5 Max: 1.15
Current: 0.5
During the past 13 years, Ad-Manum Finance's highest PB Ratio was 1.15. The lowest was 0.13. And the median was 0.50.
BOM:511359's PB Ratio is ranked better than 81.52% of 525
companies
in the Credit Services industry
Industry Median: 1.06
vs BOM:511359: 0.50
During the past 12 months, Ad-Manum Finance's average Book Value Per Share Growth Rate was 14.20% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 13.70% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 11.40% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 7.20% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Ad-Manum Finance was 15.90% per year. The lowest was 0.90% per year. And the median was 7.60% per year.
Back to Basics: PB Ratio
Ad-Manum Finance (BOM:511359) 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.
Ad-Manum Finance PB Ratio Related Terms
Ad-Manum Finance PB Ratio Historical Data
* Premium members only.
The historical data trend for Ad-Manum 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, Ad-Manum 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.
Ad-Manum Finance PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Ad-Manum Finance's PB Ratio distribution charts can be found below:
* The bar in red indicates where Ad-Manum 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.
* 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.
Ad-Manum Finance (BOM:511359) has a PB Ratio of 0.50 as of Jul. 17, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Ad-Manum Finance and its competitors. This is near median its historical median of 0.50. Over the past decade, Ad-Manum Finance's PB Ratio has ranged from 0.13 to 1.15. According to the industry distribution chart, Ad-Manum Finance ranks #97 out of 525 companies in the Credit Services industry, placing it in the top 18.5%.
Is Ad-Manum Finance's PB Ratio too high?
Ad-Manum Finance's current PB Ratio of 0.50 is near median its 10-year median of 0.50. Over the past 10 years, this metric has ranged from a low of 0.13 to a high of 1.15. The Credit Services industry median PB Ratio is 1.06. Ad-Manum Finance's value of 0.50 is 52.8% below this industry median. Based on the distribution chart, Ad-Manum Finance ranks #97 out of 525 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Ad-Manum Finance has a GF Score™ of 68/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Ad-Manum Finance's PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Ad-Manum Finance ranks #97 out of 525 companies for PB Ratio. This places Ad-Manum Finance in the top 19% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.06. Ad-Manum Finance's value of 0.50 is 52.8% below this benchmark. Historically, Ad-Manum Finance's own PB Ratio has ranged from 0.13 to 1.15 over the past decade. While the company's 10-year median is 0.50 vs. the industry median of 1.06, Ad-Manum 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. Ad-Manum Finance's current PB Ratio of 0.50 is 52.8% 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 Ad-Manum 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. Ad-Manum Finance's current PB Ratio is 0.50, which is near median its own 10-year median of 0.50. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ad-Manum Finance stock overvalued right now?
Based on GuruFocus' analysis, Ad-Manum Finance (BOM:511359) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹78.33, compared to a current price of ₹60.50 — trading 22.8% below its estimated fair value. The current PB Ratio is 0.50, which is near median its 10-year median of 0.50 and 52.8% below the Credit Services industry median of 1.06. Ad-Manum Finance's overall GF Score™ is 68/100 with 4 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 Ad-Manum Finance (BOM:511359), the current PB Ratio is 0.50 as of Jul. 17, 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 Ad-Manum Finance (BOM:511359) Overvalued in 2026?
Based on GuruFocus' analysis, Ad-Manum Finance stock appears to be undervalued.
The current stock price of ₹60.50 is trading 22.8% below its estimated GF Value™ of ₹78.33.
GuruFocus considers Ad-Manum Finance to be Modestly Undervalued.
Key valuation signals for BOM:511359:
PB Ratio: 0.50 (near median its 10-year median of 0.50)
GF Value™: ₹78.33 vs. price of ₹60.50 (22.8% below fair value)
Industry Position: 52.8% below the Credit Services median (#97 of 525)
No single metric tells the full story. See the BOM:511359 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ad-Manum Finance Ltd is a non-banking finance company which provides financing services for commercial vehicles in India. The company operates through two segments, Financial and Wind Power Generation. It finances various old and new vehicles, such as heavy commercial vehicles, light commercial vehicles, medium commercial vehicles, multi-utility vehicles, and three wheelers. The company derives a majority of revenue from Financial/Investment segment.
68GF Score
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