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SRG Housing FinanceBOM:534680 -5.19%76 PB Ratio is 1.57 as of Jul. 30, 2026, which is 31% below its 10-year median of 2.27. GuruFocus rates BOM:534680 with a GF Score™ of 76/100 and a GF Value™ of ₹438.35 (Possible Value Trap). The stock has 10 warning signs investors should review. Among 1,515 Banks companies, SRG Housing Finance ranks worse than 79.08% on this metric.
SRG Housing Finance Ltd stock PB Ratio (=1.64) is close to 1-year high of 1.71.
The historical rank and industry rank for SRG Housing Finance's PB Ratio or its related term are showing as below:
BOM:534680'
s PB Ratio Range Over the Past 10 Years
Min: 0.8 Med: 2.27 Max: 9.27
Current: 1.57
During the past 13 years, SRG Housing Finance's highest PB Ratio was 9.27. The lowest was 0.80. And the median was 2.27.
BOM:534680's PB Ratio is ranked worse than 79.08% of 1515
companies
in the Banks industry
Industry Median: 1.11
vs BOM:534680: 1.57
During the past 12 months, SRG Housing Finance's average Book Value Per Share Growth Rate was 12.30% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 22.60% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 22.00% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 27.00% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of SRG Housing Finance was 44.30% per year. The lowest was 9.50% per year. And the median was 27.70% per year.
Back to Basics: PB Ratio
SRG Housing Finance (BOM:534680) 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.
SRG Housing Finance PB Ratio Related Terms
SRG Housing Finance PB Ratio Historical Data
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The historical data trend for SRG Housing 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.
BOM:534680 vs RKT, FNMA, PFSI: PB Ratio Comparison
For the Mortgage Finance subindustry, SRG Housing 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.
SRG Housing Finance PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, SRG Housing Finance's PB Ratio distribution charts can be found below:
* The bar in red indicates where SRG Housing 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.
SRG Housing Finance (BOM:534680) has a PB Ratio of 1.57 as of Jul. 30, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on SRG Housing Finance and its competitors. This is 31% below median its historical median of 2.27. Over the past decade, SRG Housing Finance's PB Ratio has ranged from 0.80 to 9.27. According to the industry distribution chart, SRG Housing Finance ranks #1198 out of 1515 companies in the Banks industry, placing it in the top 79.1%.
Is SRG Housing Finance's PB Ratio too high?
SRG Housing Finance's current PB Ratio of 1.57 is 31% below median its 10-year median of 2.27. Over the past 10 years, this metric has ranged from a low of 0.80 to a high of 9.27. The Banks industry median PB Ratio is 1.11. SRG Housing Finance's value of 1.57 is 41.4% above this industry median. Based on the distribution chart, SRG Housing Finance ranks #1198 out of 1515 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, SRG Housing Finance has a GF Score™ of 76/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does SRG Housing Finance's PB Ratio compare to RKT and FNMA?
According to the Banks industry distribution chart, SRG Housing Finance ranks #1198 out of 1515 companies for PB Ratio. This places SRG Housing Finance in the lower half of its industry. The industry median PB Ratio is 1.11. SRG Housing Finance's value of 1.57 is 41.4% above this benchmark. Historically, SRG Housing Finance's own PB Ratio has ranged from 0.80 to 9.27 over the past decade. While the company's 10-year median is 2.27 vs. the industry median of 1.11, SRG Housing Finance 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 Banks company?
The median PB Ratio among Banks companies is 1.11, based on 1,515 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. SRG Housing Finance's current PB Ratio of 1.57 is 41.4% 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 SRG Housing Finance and its competitors. For the Banks industry, the median PB Ratio is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SRG Housing Finance's current PB Ratio is 1.57, which is 31% below median its own 10-year median of 2.27. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SRG Housing Finance stock overvalued right now?
Based on GuruFocus' analysis, SRG Housing Finance (BOM:534680) is currently considered Possible Value Trap. The stock's GF Value™ is ₹438.35, compared to a current price of ₹296.75 — trading 32.3% below its estimated fair value. The current PB Ratio is 1.57, which is 31% below median its 10-year median of 2.27 and 41.4% above the Banks industry median of 1.11. SRG Housing Finance's overall GF Score™ is 76/100 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 SRG Housing Finance (BOM:534680), the current PB Ratio is 1.57 as of Jul. 30, 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 SRG Housing Finance (BOM:534680) Overvalued in 2026?
Based on GuruFocus' analysis, SRG Housing Finance stock appears to be undervalued.
The current stock price of ₹296.75 is trading 32.3% below its estimated GF Value™ of ₹438.35.
GuruFocus considers SRG Housing Finance to be Possible Value Trap.
Key valuation signals for BOM:534680:
PB Ratio: 1.57 (31% below median its 10-year median of 2.27)
GF Value™: ₹438.35 vs. price of ₹296.75 (32.3% below fair value)
Industry Position: 41.4% above the Banks median (#1198 of 1515)
No single metric tells the full story. See the BOM:534680 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SRG Housing Finance Ltd is an India-based housing finance company. The company is principally engaged in the housing and mortgage finance business. The company offers home loans for construction, additions, alterations, and repair and renovation purposes. The products and services offered by the company include individual home loans; loans against the property; and builder, project loans. Geographically, it operates within the regions of India.
76GF Score
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