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Lead Financial ServicesBOM:531288 -5.00%74 PB Ratio is 0.76 as of Aug. 16, 2026, which is 69% above its 10-year median of 0.45. GuruFocus rates BOM:531288 with a GF Score™ of 74/100 and a GF Value™ of ₹20.82 (Possible Value Trap). The stock has 5 warning signs investors should review. Among 526 Credit Services companies, Lead Financial Services ranks better than 65.78% on this metric.
Lead Financial Services Ltd stock PB Ratio (=0.76) is close to 2-year low of 0.75.
The historical rank and industry rank for Lead Financial Services's PB Ratio or its related term are showing as below:
BOM:531288'
s PB Ratio Range Over the Past 10 Years
Min: 0.22 Med: 0.45 Max: 1.52
Current: 0.76
During the past 13 years, Lead Financial Services's highest PB Ratio was 1.52. The lowest was 0.22. And the median was 0.45.
BOM:531288's PB Ratio is ranked better than 65.78% of 526
companies
in the Credit Services industry
Industry Median: 1.055
vs BOM:531288: 0.76
During the past 12 months, Lead Financial Services's average Book Value Per Share Growth Rate was 1.80% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 3.00% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 2.90% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 2.40% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Lead Financial Services was 7.90% per year. The lowest was -1.10% per year. And the median was 3.00% 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.
* 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, Lead Financial 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.
Lead Financial Services PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Lead Financial Services's PB Ratio distribution charts can be found below:
* The bar in red indicates where Lead Financial 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.
Lead Financial Services (BOM:531288) has a PB Ratio of 0.76 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 Lead Financial Services and its competitors. This is 69% above median its historical median of 0.45. Over the past decade, Lead Financial Services' PB Ratio has ranged from 0.22 to 1.52. According to the industry distribution chart, Lead Financial Services ranks #180 out of 526 companies in the Credit Services industry, placing it in the top 34.2%.
Is Lead Financial Services' PB Ratio too high?
Lead Financial Services' current PB Ratio of 0.76 is 69% above median its 10-year median of 0.45. Over the past 10 years, this metric has ranged from a low of 0.22 to a high of 1.52. The Credit Services industry median PB Ratio is 1.06. Lead Financial Services' value of 0.76 is 28% below this industry median. Based on the distribution chart, Lead Financial Services ranks #180 out of 526 companies in the Credit Services industry, which is above the industry midpoint. Overall, Lead Financial Services has a GF Score™ of 74/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Lead Financial Services' PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Lead Financial Services ranks #180 out of 526 companies for PB Ratio. This puts Lead Financial Services in the upper half of its industry. The industry median PB Ratio is 1.06. Lead Financial Services' value of 0.76 is 28% below this benchmark. Historically, Lead Financial Services' own PB Ratio has ranged from 0.22 to 1.52 over the past decade. While the company's 10-year median is 0.45 vs. the industry median of 1.06, Lead Financial Services 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. Lead Financial Services's current PB Ratio of 0.76 is 28% 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 Lead Financial Services 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. Lead Financial Services's current PB Ratio is 0.76, which is 69% above median its own 10-year median of 0.45. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Lead Financial Services stock overvalued right now?
Based on GuruFocus' analysis, Lead Financial Services (BOM:531288) is currently considered Possible Value Trap. The stock's GF Value™ is ₹20.82, compared to a current price of ₹14.25 — trading 31.6% below its estimated fair value. The current PB Ratio is 0.76, which is 69% above median its 10-year median of 0.45 and 28% below the Credit Services industry median of 1.06. Lead Financial Services' overall GF Score™ is 74/100 with 5 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 Lead Financial Services (BOM:531288), the current PB Ratio is 0.76 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 Lead Financial Services (BOM:531288) Overvalued in 2026?
Based on GuruFocus' analysis, Lead Financial Services stock appears to be undervalued.
The current stock price of ₹14.25 is trading 31.6% below its estimated GF Value™ of ₹20.82.
GuruFocus considers Lead Financial Services to be Possible Value Trap.
Key valuation signals for BOM:531288:
PB Ratio: 0.76 (69% above median its 10-year median of 0.45)
GF Value™: ₹20.82 vs. price of ₹14.25 (31.6% below fair value)
Industry Position: 28% below the Credit Services median (#180 of 526)
No single metric tells the full story. See the BOM:531288 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Lead Financial Services Ltd is an Indian non-banking financial company based in New Delhi. The company is engaged in providing loans and various financial services to its clients and making investments. The majority of its revenue is generated in the form of interest income on loans granted to its clients.
74GF Score
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