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.
What is Sera Investments & Finance India PB Ratio?
Sera Investments & Finance IndiaBOM:512399 +2.58%42 PB Ratio is 0.87 as of Aug. 08, 2026, which is 37% below its 10-year median of 1.39. GuruFocus rates BOM:512399 with a GF Score™ of 42/100. The stock has 1 warning sign investors should review. Among 525 Credit Services companies, Sera Investments & Finance India ranks better than 60.57% on this metric.
BOM:512399'
s PB Ratio Range Over the Past 10 Years
Min: 0.52 Med: 1.39 Max: 15.87
Current: 0.88
During the past 13 years, Sera Investments & Finance India's highest PB Ratio was 15.87. The lowest was 0.52. And the median was 1.39.
BOM:512399's PB Ratio is ranked better than 60.57% of 525
companies
in the Credit Services industry
Industry Median: 1.08
vs BOM:512399: 0.88
During the past 12 months, Sera Investments & Finance India's average Book Value Per Share Growth Rate was -0.70% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 105.50% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 62.80% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 26.80% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Sera Investments & Finance India was 113.10% per year. The lowest was -54.60% per year. And the median was 6.70% 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.
Sera Investments & Finance India PB Ratio Related Terms
Sera Investments & Finance India PB Ratio Historical Data
* 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, Sera Investments & Finance India'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.
Sera Investments & Finance India PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Sera Investments & Finance India's PB Ratio distribution charts can be found below:
* The bar in red indicates where Sera Investments & Finance India's PB Ratio falls into.
Sera Investments & Finance India PB Ratio Calculation
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.
Sera Investments & Finance India (BOM:512399) has a PB Ratio of 0.87 as of Aug. 08, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Sera Investments & Finance India and its competitors. This is 37% below median its historical median of 1.39. Over the past decade, Sera Investments & Finance India's PB Ratio has ranged from 0.52 to 15.87. According to the industry distribution chart, Sera Investments & Finance India ranks #207 out of 525 companies in the Credit Services industry, placing it in the top 39.4%.
Is Sera Investments & Finance India's PB Ratio too high?
Sera Investments & Finance India's current PB Ratio of 0.87 is 37% below median its 10-year median of 1.39. Over the past 10 years, this metric has ranged from a low of 0.52 to a high of 15.87. The Credit Services industry median PB Ratio is 1.08. Sera Investments & Finance India's value of 0.87 is 19.4% below this industry median. Based on the distribution chart, Sera Investments & Finance India ranks #207 out of 525 companies in the Credit Services industry, which is above the industry midpoint. Overall, Sera Investments & Finance India has a GF Score™ of 42/100, reflecting its overall financial health beyond just this single metric.
How does Sera Investments & Finance India's PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Sera Investments & Finance India ranks #207 out of 525 companies for PB Ratio. This puts Sera Investments & Finance India in the upper half of its industry. The industry median PB Ratio is 1.08. Sera Investments & Finance India's value of 0.87 is 19.4% below this benchmark. Historically, Sera Investments & Finance India's own PB Ratio has ranged from 0.52 to 15.87 over the past decade. While the company's 10-year median is 1.39 vs. the industry median of 1.08, Sera Investments & Finance India 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 1.08, 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. Sera Investments & Finance India's current PB Ratio of 0.87 is 19.4% 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 Sera Investments & Finance India and its competitors. For the Credit Services industry, the median PB Ratio is 1.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sera Investments & Finance India's current PB Ratio is 0.87, which is 37% below median its own 10-year median of 1.39. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sera Investments & Finance India stock overvalued right now?
Sera Investments & Finance India (BOM:512399) has a current PB Ratio of 0.87. The current PB Ratio is 0.87, which is 37% below median its 10-year median of 1.39 and 19.4% below the Credit Services industry median of 1.08. Sera Investments & Finance India's overall GF Score™ is 42/100 with 1 warning sign 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 Sera Investments & Finance India (BOM:512399), the current PB Ratio is 0.87 as of Aug. 08, 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.
Sera Investments & Finance India Ltd is an India-based company engaged in the provision of financial services. The company operates through a single segment namely Non-Banking financial activities.
42GF Score
Get the complete analysis for BOM:512399
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:512399 has been successfully added to your 
