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KIFS Financial ServicesBOM:535566 -3.64%68 PB Ratio is 1.81 as of Jul. 24, 2026, which is 23% below its 10-year median of 2.36. GuruFocus rates BOM:535566 with a GF Score™ of 68/100 and a GF Value™ of ₹145.48 (Modestly Undervalued). The stock has 7 warning signs investors should review. Among 777 Capital Markets companies, KIFS Financial Services ranks worse than 61% on this metric.
KIFS Financial Services Ltd stock PB Ratio (=1.93) is close to 3-year low of 1.85.
The historical rank and industry rank for KIFS Financial Services's PB Ratio or its related term are showing as below:
BOM:535566'
s PB Ratio Range Over the Past 10 Years
Min: 0.96 Med: 2.36 Max: 6.49
Current: 1.81
During the past 13 years, KIFS Financial Services's highest PB Ratio was 6.49. The lowest was 0.96. And the median was 2.36.
BOM:535566's PB Ratio is ranked worse than 61% of 777
companies
in the Capital Markets industry
Industry Median: 1.31
vs BOM:535566: 1.81
During the past 12 months, KIFS Financial Services's average Book Value Per Share Growth Rate was 11.20% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 12.30% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 12.60% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 10.50% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of KIFS Financial Services was 22.40% per year. The lowest was -11.10% per year. And the median was 9.00% per year.
Back to Basics: PB Ratio
KIFS Financial Services (BOM:535566) 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 Capital Markets subindustry, KIFS 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.
KIFS Financial Services PB Ratio vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, KIFS Financial Services's PB Ratio distribution charts can be found below:
* The bar in red indicates where KIFS 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.
KIFS Financial Services (BOM:535566) has a PB Ratio of 1.81 as of Jul. 24, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on KIFS Financial Services and its competitors. This is 23% below median its historical median of 2.36. Over the past decade, KIFS Financial Services' PB Ratio has ranged from 0.96 to 6.49. According to the industry distribution chart, KIFS Financial Services ranks #474 out of 777 companies in the Capital Markets industry, placing it in the top 61%.
Is KIFS Financial Services' PB Ratio too high?
KIFS Financial Services' current PB Ratio of 1.81 is 23% below median its 10-year median of 2.36. Over the past 10 years, this metric has ranged from a low of 0.96 to a high of 6.49. The Capital Markets industry median PB Ratio is 1.31. KIFS Financial Services' value of 1.81 is 38.2% above this industry median. Based on the distribution chart, KIFS Financial Services ranks #474 out of 777 companies in the Capital Markets industry, which is below the industry midpoint. Overall, KIFS Financial Services has a GF Score™ of 68/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does KIFS Financial Services' PB Ratio compare to MS and GS?
According to the Capital Markets industry distribution chart, KIFS Financial Services ranks #474 out of 777 companies for PB Ratio. This places KIFS Financial Services in the lower half of its industry. The industry median PB Ratio is 1.31. KIFS Financial Services' value of 1.81 is 38.2% above this benchmark. Historically, KIFS Financial Services' own PB Ratio has ranged from 0.96 to 6.49 over the past decade. While the company's 10-year median is 2.36 vs. the industry median of 1.31, KIFS Financial 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 Capital Markets company?
The median PB Ratio among Capital Markets companies is 1.31, based on 777 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. KIFS Financial Services's current PB Ratio of 1.81 is 38.2% 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 KIFS Financial Services and its competitors. For the Capital Markets industry, the median PB Ratio is 1.31 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. KIFS Financial Services's current PB Ratio is 1.81, which is 23% below median its own 10-year median of 2.36. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is KIFS Financial Services stock overvalued right now?
Based on GuruFocus' analysis, KIFS Financial Services (BOM:535566) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹145.48, compared to a current price of ₹106.00 — trading 27.1% below its estimated fair value. The current PB Ratio is 1.81, which is 23% below median its 10-year median of 2.36 and 38.2% above the Capital Markets industry median of 1.31. KIFS Financial Services' overall GF Score™ is 68/100 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 KIFS Financial Services (BOM:535566), the current PB Ratio is 1.81 as of Jul. 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 KIFS Financial Services (BOM:535566) Overvalued in 2026?
Based on GuruFocus' analysis, KIFS Financial Services stock appears to be undervalued.
The current stock price of ₹106.00 is trading 27.1% below its estimated GF Value™ of ₹145.48.
GuruFocus considers KIFS Financial Services to be Modestly Undervalued.
Key valuation signals for BOM:535566:
PB Ratio: 1.81 (23% below median its 10-year median of 2.36)
GF Value™: ₹145.48 vs. price of ₹106.00 (27.1% below fair value)
Industry Position: 38.2% above the Capital Markets median (#474 of 777)
No single metric tells the full story. See the BOM:535566 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
KIFS Financial Services Ltd is a non-banking financial company. The company offers capital market products like margin trading, loans against shares, and funding primary market issues for retail investors. The company is engaged in a single segment of finance. The company generates revenue from Interest Income.
68GF Score
Get the complete analysis for BOM:535566
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