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.
Mangalam Industrial FinanceBOM:537800 49 PB Ratio is 1.11 as of Aug. 13, 2026, which is 62% below its 10-year median of 2.89. GuruFocus rates BOM:537800 with a GF Score™ of 49/100. The stock has 1 warning sign investors should review. Among 526 Credit Services companies, Mangalam Industrial Finance ranks worse than 52.47% on this metric.
Mangalam Industrial Finance Ltd stock PB Ratio (=1.11) is close to 5-year low of 1.11.
The historical rank and industry rank for Mangalam Industrial Finance's PB Ratio or its related term are showing as below:
BOM:537800'
s PB Ratio Range Over the Past 10 Years
Min: 0.42 Med: 2.89 Max: 20.15
Current: 1.11
During the past 13 years, Mangalam Industrial Finance's highest PB Ratio was 20.15. The lowest was 0.42. And the median was 2.89.
BOM:537800's PB Ratio is ranked worse than 52.47% of 526
companies
in the Credit Services industry
Industry Median: 1.06
vs BOM:537800: 1.11
During the past 12 months, Mangalam Industrial Finance's average Book Value Per Share Growth Rate was 98.90% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 27.40% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 7.70% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was -7.20% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Mangalam Industrial Finance was 27.40% per year. The lowest was -29.50% per year. And the median was -4.10% 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.
Mangalam Industrial Finance PB Ratio Related Terms
Mangalam Industrial Finance 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, Mangalam Industrial 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.
Mangalam Industrial Finance PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Mangalam Industrial Finance's PB Ratio distribution charts can be found below:
* The bar in red indicates where Mangalam Industrial 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.
Mangalam Industrial Finance (BOM:537800) has a PB Ratio of 1.11 as of Aug. 13, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Mangalam Industrial Finance and its competitors. This is 62% below median its historical median of 2.89. Over the past decade, Mangalam Industrial Finance's PB Ratio has ranged from 0.42 to 20.15. According to the industry distribution chart, Mangalam Industrial Finance ranks #276 out of 526 companies in the Credit Services industry, placing it in the top 52.5%.
Is Mangalam Industrial Finance's PB Ratio too high?
Mangalam Industrial Finance's current PB Ratio of 1.11 is 62% below median its 10-year median of 2.89. Over the past 10 years, this metric has ranged from a low of 0.42 to a high of 20.15. The Credit Services industry median PB Ratio is 1.06. Mangalam Industrial Finance's value of 1.11 is 4.7% above this industry median. Based on the distribution chart, Mangalam Industrial Finance ranks #276 out of 526 companies in the Credit Services industry, which is below the industry midpoint. Overall, Mangalam Industrial Finance has a GF Score™ of 49/100, reflecting its overall financial health beyond just this single metric.
How does Mangalam Industrial Finance's PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Mangalam Industrial Finance ranks #276 out of 526 companies for PB Ratio. This places Mangalam Industrial Finance in the lower half of its industry. The industry median PB Ratio is 1.06. Mangalam Industrial Finance's value of 1.11 is 4.7% above this benchmark. Historically, Mangalam Industrial Finance's own PB Ratio has ranged from 0.42 to 20.15 over the past decade. While the company's 10-year median is 2.89 vs. the industry median of 1.06, Mangalam Industrial 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 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. Mangalam Industrial Finance's current PB Ratio of 1.11 is 4.7% 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 Mangalam Industrial Finance 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. Mangalam Industrial Finance's current PB Ratio is 1.11, which is 62% below median its own 10-year median of 2.89. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mangalam Industrial Finance stock overvalued right now?
Mangalam Industrial Finance (BOM:537800) has a current PB Ratio of 1.11. The current PB Ratio is 1.11, which is 62% below median its 10-year median of 2.89 and 4.7% above the Credit Services industry median of 1.06. Mangalam Industrial Finance's overall GF Score™ is 49/100 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 Mangalam Industrial Finance (BOM:537800), the current PB Ratio is 1.11 as of Aug. 13, 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.
Mangalam Industrial Finance Ltd is a non-banking financial company engaged in investing and financing. The company generates the majority of its revenue from interest income on loans. It provides hassle-free, easy, and quick loan facilities, offering personal loans, business loans, and professional loans. The company mainly supports customers with financial solutions for the purchase of electric two-wheelers.
49GF Score
Get the complete analysis for BOM:537800
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:537800 has been successfully added to your 
