Dhruva Capital ServicesBOM:531237 69 PB Ratio is 10.10 as of Jun. 24, 2026, which is 1961% above its 10-year median of 0.49. GuruFocus rates BOM:531237 with a GF Score™ of 69/100 and a GF Value™ of ₹346.32 (Modestly Overvalued). The stock has 10 warning signs investors should review. Among 523 Credit Services companies, Dhruva Capital Services ranks worse than 96.56% on this metric.
Dhruva Capital Services Ltd stock PB Ratio (=10.11) is close to 1-year high of 10.38.
The historical rank and industry rank for Dhruva Capital Services's PB Ratio or its related term are showing as below:
BOM:531237'
s PB Ratio Range Over the Past 10 Years
Min: 0.14 Med: 0.49 Max: 14.86
Current: 10.1
During the past 13 years, Dhruva Capital Services's highest PB Ratio was 14.86. The lowest was 0.14. And the median was 0.49.
BOM:531237's PB Ratio is ranked worse than 96.56% of 523
companies
in the Credit Services industry
Industry Median: 1.05
vs BOM:531237: 10.10
During the past 12 months, Dhruva Capital Services's average Book Value Per Share Growth Rate was 58.40% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 43.90% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 26.70% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 10.60% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Dhruva Capital Services was 43.90% per year. The lowest was 0.60% per year. And the median was 1.30% per year.
Back to Basics: PB Ratio
Dhruva Capital Services (BOM:531237) 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.
* 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, Dhruva Capital Services'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.
Dhruva Capital Services PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Dhruva Capital Services's PB Ratio distribution charts can be found below:
* The bar in red indicates where Dhruva Capital Services'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.
Dhruva Capital Services (BOM:531237) has a PB Ratio of 10.10 as of Jun. 24, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Dhruva Capital Services and its competitors. This is 1961% above median its historical median of 0.49. Over the past decade, Dhruva Capital Services' PB Ratio has ranged from 0.14 to 14.86. According to the industry distribution chart, Dhruva Capital Services ranks #505 out of 523 companies in the Credit Services industry, placing it in the top 96.6%.
Is Dhruva Capital Services' PB Ratio too high?
Dhruva Capital Services' current PB Ratio of 10.10 is 1961% above median its 10-year median of 0.49. Over the past 10 years, this metric has ranged from a low of 0.14 to a high of 14.86. The Credit Services industry median PB Ratio is 1.05. Dhruva Capital Services' value of 10.10 is 861.9% above this industry median. Based on the distribution chart, Dhruva Capital Services ranks #505 out of 523 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Dhruva Capital Services has a GF Score™ of 69/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Dhruva Capital Services' PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Dhruva Capital Services ranks #505 out of 523 companies for PB Ratio. This places Dhruva Capital Services in the lower half of its industry. The industry median PB Ratio is 1.05. Dhruva Capital Services' value of 10.10 is 861.9% above this benchmark. Historically, Dhruva Capital Services' own PB Ratio has ranged from 0.14 to 14.86 over the past decade. While the company's 10-year median is 0.49 vs. the industry median of 1.05, Dhruva Capital Services has consistently been above 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 1.05, based on 523 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. Dhruva Capital Services's current PB Ratio of 10.10 is 861.9% above 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 Dhruva Capital Services and its competitors. For the Credit Services industry, the median PB Ratio is 1.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Dhruva Capital Services's current PB Ratio is 10.10, which is 1961% above median its own 10-year median of 0.49. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Dhruva Capital Services stock overvalued right now?
Based on GuruFocus' analysis, Dhruva Capital Services (BOM:531237) is currently considered Modestly Overvalued. The stock's GF Value™ is ₹346.32, compared to a current price of ₹433.55 — trading 25.2% above its estimated fair value. The current PB Ratio is 10.10, which is 1961% above median its 10-year median of 0.49 and 861.9% above the Credit Services industry median of 1.05. Dhruva Capital Services' overall GF Score™ is 69/100 with 10 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 Dhruva Capital Services (BOM:531237), the current PB Ratio is 10.10 as of Jun. 24, 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 Dhruva Capital Services (BOM:531237) Overvalued in 2026?
Based on GuruFocus' analysis, Dhruva Capital Services stock appears to be overvalued.
The current stock price of ₹433.55 is trading 25.2% above its estimated GF Value™ of ₹346.32.
GuruFocus considers Dhruva Capital Services to be Modestly Overvalued.
Key valuation signals for BOM:531237:
PB Ratio: 10.10 (1961% above median its 10-year median of 0.49)
GF Value™: ₹346.32 vs. price of ₹433.55 (25.2% above fair value)
Industry Position: 861.9% above the Credit Services median (#505 of 523)
No single metric tells the full story. See the BOM:531237 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Dhruva Capital Services Ltd is an Indian Non-Banking Financial Company (NBFC) established in 1994 and headquartered in Udaipur, Rajasthan. The company is registered with the Reserve Bank of India and focuses on investment and financing activities. Its services include business and personal financing, loan against property, commercial vehicle loans, invoice discounting, construction finance, and lease rental discounting. Dhruva Capital serves both individual clients and business owners by offering tailored financial solutions to support business ventures and personal financial needs. Revenue is prominently generated through interest income and fees from its financing operations.
69GF Score
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