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.
Neil IndustriesBOM:539016 +19.64%58 PB Ratio is 0.24 as of Jul. 31, 2026, which is 45% below its 10-year median of 0.44. GuruFocus rates BOM:539016 with a GF Score™ of 58/100 and a GF Value™ of ₹13.44 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 525 Credit Services companies, Neil Industries ranks better than 95.05% on this metric.
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. As of today (2026-07-31), Neil Industries's share price is ₹7.25. Neil Industries's Book Value per Share for the quarter that ended in Jun. 2026 was ₹30.72. Hence, Neil Industries's PB Ratio of today is 0.24.
Good Sign:
Neil Industries Ltd stock PB Ratio (=0.2) is close to 3-year low of 0.2.
The historical rank and industry rank for Neil Industries's PB Ratio or its related term are showing as below:
BOM:539016'
s PB Ratio Range Over the Past 10 Years
Min: 0.16 Med: 0.44 Max: 2.12
Current: 0.19
During the past 13 years, Neil Industries's highest PB Ratio was 2.12. The lowest was 0.16. And the median was 0.44.
BOM:539016's PB Ratio is ranked better than 95.05% of 525
companies
in the Credit Services industry
Industry Median: 1.07
vs BOM:539016: 0.19
During the past 12 months, Neil Industries's average Book Value Per Share Growth Rate was 2.50% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 3.10% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 2.10% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 1.40% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Neil Industries was 3.40% per year. The lowest was -0.40% per year. And the median was 1.55% 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.
Neil Industries PB Ratio Related Terms
Neil Industries PB Ratio Historical Data
* Premium members only.
The historical data trend for Neil Industries'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.
For the Credit Services subindustry, Neil Industries'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.
Neil Industries PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Neil Industries's PB Ratio distribution charts can be found below:
* The bar in red indicates where Neil Industries'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.
Neil Industries's PB Ratio for today is calculated as follows:
* 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.
Neil Industries (BOM:539016) has a PB Ratio of 0.24 as of Jul. 31, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Neil Industries and its competitors. This is 45% below median its historical median of 0.44. Over the past decade, Neil Industries' PB Ratio has ranged from 0.16 to 2.12. According to the industry distribution chart, Neil Industries ranks #26 out of 525 companies in the Credit Services industry, placing it in the top 5%.
Is Neil Industries' PB Ratio too high?
Neil Industries' current PB Ratio of 0.24 is 45% below median its 10-year median of 0.44. Over the past 10 years, this metric has ranged from a low of 0.16 to a high of 2.12. The Credit Services industry median PB Ratio is 1.07. Neil Industries' value of 0.24 is 77.6% below this industry median. Based on the distribution chart, Neil Industries ranks #26 out of 525 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Neil Industries has a GF Score™ of 58/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Neil Industries' PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Neil Industries ranks #26 out of 525 companies for PB Ratio. This places Neil Industries in the top 5% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.07. Neil Industries' value of 0.24 is 77.6% below this benchmark. Historically, Neil Industries' own PB Ratio has ranged from 0.16 to 2.12 over the past decade. While the company's 10-year median is 0.44 vs. the industry median of 1.07, Neil Industries 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 1.07, based on 525 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. Neil Industries's current PB Ratio of 0.24 is 77.6% 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 Neil Industries and its competitors. For the Credit Services industry, the median PB Ratio is 1.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Neil Industries's current PB Ratio is 0.24, which is 45% below median its own 10-year median of 0.44. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Neil Industries stock overvalued right now?
Based on GuruFocus' analysis, Neil Industries (BOM:539016) is currently considered Significantly Undervalued. The stock's GF Value™ is ₹13.44, compared to a current price of ₹7.25 — trading 46.1% below its estimated fair value. The current PB Ratio is 0.24, which is 45% below median its 10-year median of 0.44 and 77.6% below the Credit Services industry median of 1.07. Neil Industries' overall GF Score™ is 58/100 with 3 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 Neil Industries (BOM:539016), the current PB Ratio is 0.24 as of Jul. 31, 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 Neil Industries (BOM:539016) Overvalued in 2026?
Based on GuruFocus' analysis, Neil Industries stock appears to be undervalued.
The current stock price of ₹7.25 is trading 46.1% below its estimated GF Value™ of ₹13.44.
GuruFocus considers Neil Industries to be Significantly Undervalued.
Key valuation signals for BOM:539016:
PB Ratio: 0.24 (45% below median its 10-year median of 0.44)
GF Value™: ₹13.44 vs. price of ₹7.25 (46.1% below fair value)
Industry Position: 77.6% below the Credit Services median (#26 of 525)
No single metric tells the full story. See the BOM:539016 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Neil Industries Ltd is a Loan and Financing company. Its products include loans for Business or Capacity expansion, Working Capital loans, loans for the Purchase of Equipment and Machinery, Term Loans against Property, and loans for the Purchase of Commercial Property. The Company operates in one segment providing Financial and Insurance Services. Its business portfolio consists of Asset Financing, Promoter Funding, Stressed Assets Funding, Margin Financing, Working Capital Loans, Purchase of Equipment and Machinery Loan, Business or Capacity expansion Loan, and Term Loans against Property.
58GF Score
Get the complete analysis for BOM:539016
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:539016 has been successfully added to your 
