Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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.
Dhansafal FinserveBOM:512048 +1.67%57 PB Ratio is 0.83 as of Aug. 12, 2026, which is 22% above its 10-year median of 0.68. GuruFocus rates BOM:512048 with a GF Score™ of 57/100 and a GF Value™ of ₹10.92 (Possible Value Trap). The stock has 7 warning signs investors should review. Among 526 Credit Services companies, Dhansafal Finserve ranks better than 61.98% on this metric.
Dhansafal Finserve Ltd stock PB Ratio (=0.82) is close to 3-year low of 0.77.
The historical rank and industry rank for Dhansafal Finserve's PB Ratio or its related term are showing as below:
BOM:512048'
s PB Ratio Range Over the Past 10 Years
Min: 0.24 Med: 0.68 Max: 3.69
Current: 0.83
During the past 13 years, Dhansafal Finserve's highest PB Ratio was 3.69. The lowest was 0.24. And the median was 0.68.
BOM:512048's PB Ratio is ranked better than 61.98% of 526
companies
in the Credit Services industry
Industry Median: 1.06
vs BOM:512048: 0.83
During the past 12 months, Dhansafal Finserve's average Book Value Per Share Growth Rate was 2.50% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 36.40% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 25.70% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 10.00% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Dhansafal Finserve was 56.00% per year. The lowest was 0.60% per year. And the median was 2.80% 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.
Dhansafal Finserve PB Ratio Related Terms
Dhansafal Finserve PB Ratio Historical Data
* Premium members only.
The historical data trend for Dhansafal Finserve'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, Dhansafal Finserve'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.
Dhansafal Finserve PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Dhansafal Finserve's PB Ratio distribution charts can be found below:
* The bar in red indicates where Dhansafal Finserve'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.
Dhansafal Finserve (BOM:512048) has a PB Ratio of 0.83 as of Aug. 12, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Dhansafal Finserve and its competitors. This is 22% above median its historical median of 0.68. Over the past decade, Dhansafal Finserve's PB Ratio has ranged from 0.24 to 3.69. According to the industry distribution chart, Dhansafal Finserve ranks #200 out of 526 companies in the Credit Services industry, placing it in the top 38%.
Is Dhansafal Finserve's PB Ratio too high?
Dhansafal Finserve's current PB Ratio of 0.83 is 22% above median its 10-year median of 0.68. Over the past 10 years, this metric has ranged from a low of 0.24 to a high of 3.69. The Credit Services industry median PB Ratio is 1.06. Dhansafal Finserve's value of 0.83 is 21.7% below this industry median. Based on the distribution chart, Dhansafal Finserve ranks #200 out of 526 companies in the Credit Services industry, which is above the industry midpoint. Overall, Dhansafal Finserve has a GF Score™ of 57/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Dhansafal Finserve's PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Dhansafal Finserve ranks #200 out of 526 companies for PB Ratio. This puts Dhansafal Finserve in the upper half of its industry. The industry median PB Ratio is 1.06. Dhansafal Finserve's value of 0.83 is 21.7% below this benchmark. Historically, Dhansafal Finserve's own PB Ratio has ranged from 0.24 to 3.69 over the past decade. While the company's 10-year median is 0.68 vs. the industry median of 1.06, Dhansafal Finserve 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 526 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. Dhansafal Finserve's current PB Ratio of 0.83 is 21.7% 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 Dhansafal Finserve 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. Dhansafal Finserve's current PB Ratio is 0.83, which is 22% above median its own 10-year median of 0.68. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Dhansafal Finserve stock overvalued right now?
Based on GuruFocus' analysis, Dhansafal Finserve (BOM:512048) is currently considered Possible Value Trap. The stock's GF Value™ is ₹10.92, compared to a current price of ₹2.43 — trading 77.7% below its estimated fair value. The current PB Ratio is 0.83, which is 22% above median its 10-year median of 0.68 and 21.7% below the Credit Services industry median of 1.06. Dhansafal Finserve's overall GF Score™ is 57/100 with 7 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 Dhansafal Finserve (BOM:512048), the current PB Ratio is 0.83 as of Aug. 12, 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 Dhansafal Finserve (BOM:512048) Overvalued in 2026?
Based on GuruFocus' analysis, Dhansafal Finserve stock appears to be undervalued.
The current stock price of ₹2.43 is trading 77.7% below its estimated GF Value™ of ₹10.92.
GuruFocus considers Dhansafal Finserve to be Possible Value Trap.
Key valuation signals for BOM:512048:
PB Ratio: 0.83 (22% above median its 10-year median of 0.68)
GF Value™: ₹10.92 vs. price of ₹2.43 (77.7% below fair value)
Industry Position: 21.7% below the Credit Services median (#200 of 526)
No single metric tells the full story. See the BOM:512048 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Dhansafal Finserve Ltd operates as a non-banking financial company focused on providing retail and mortgage-based financial services in India. The company offers various loan products including loans against property, personal loans, auto and home loans, trade financing, and loans against shares and securities. It aims to simplify credit access, particularly in semi-urban and underserved markets, through flexible financing solutions. Revenue is generated through interest income on loans and lending services targeted at commercial, industrial, and financial clients.
57GF Score
Get the complete analysis for BOM:512048
PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BOM:512048 has been successfully added to your 
