IDLC FinanceDHA:IDLC +0.25%85 PB Ratio is 0.83 as of Jun. 26, 2026, which is 37% below its 10-year median of 1.31. GuruFocus rates DHA:IDLC with a GF Score™ of 85/100 and a GF Value™ of BDT44.91 (Fairly Valued). The stock has 5 warning signs investors should review. Among 523 Credit Services companies, IDLC Finance ranks better than 60.04% 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 (2026-06-26), IDLC Finance's share price is BDT40.80. IDLC Finance's Book Value per Share for the quarter that ended in Mar. 2026 was BDT48.94. Hence, IDLC Finance's PB Ratio of today is 0.83.
Warning Sign:
IDLC Finance PLC stock PB Ratio (=0.84) is close to 2-year high of 0.9.
The historical rank and industry rank for IDLC Finance's PB Ratio or its related term are showing as below:
DHA:IDLC'
s PB Ratio Range Over the Past 10 Years
Min: 0.57 Med: 1.31 Max: 2.88
Current: 0.83
During the past 13 years, IDLC Finance's highest PB Ratio was 2.88. The lowest was 0.57. And the median was 1.31.
DHA:IDLC's PB Ratio is ranked better than 60.04% of 523
companies
in the Credit Services industry
Industry Median: 1.07
vs DHA:IDLC: 0.83
During the past 12 months, IDLC Finance's average Book Value Per Share Growth Rate was 9.00% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 6.40% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 7.00% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 8.50% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of IDLC Finance was 18.60% per year. The lowest was -55.50% per year. And the median was 8.05% 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.
IDLC Finance PB Ratio Related Terms
IDLC Finance PB Ratio Historical Data
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The historical data trend for IDLC 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.
For the Credit Services subindustry, IDLC 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.
IDLC Finance PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, IDLC Finance's PB Ratio distribution charts can be found below:
* The bar in red indicates where IDLC 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.
IDLC Finance'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.
IDLC Finance (DHA:IDLC) has a PB Ratio of 0.83 as of Jun. 26, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on IDLC Finance and its competitors. This is 37% below median its historical median of 1.31. Over the past decade, IDLC Finance's PB Ratio has ranged from 0.57 to 2.88. According to the industry distribution chart, IDLC Finance ranks #209 out of 523 companies in the Credit Services industry, placing it in the top 40%.
Is IDLC Finance's PB Ratio too high?
IDLC Finance's current PB Ratio of 0.83 is 37% below median its 10-year median of 1.31. Over the past 10 years, this metric has ranged from a low of 0.57 to a high of 2.88. The Credit Services industry median PB Ratio is 1.07. IDLC Finance's value of 0.83 is 22.4% below this industry median. Based on the distribution chart, IDLC Finance ranks #209 out of 523 companies in the Credit Services industry, which is above the industry midpoint. Overall, IDLC Finance has a GF Score™ of 85/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does IDLC Finance's PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, IDLC Finance ranks #209 out of 523 companies for PB Ratio. This puts IDLC Finance in the upper half of its industry. The industry median PB Ratio is 1.07. IDLC Finance's value of 0.83 is 22.4% below this benchmark. Historically, IDLC Finance's own PB Ratio has ranged from 0.57 to 2.88 over the past decade. While the company's 10-year median is 1.31 vs. the industry median of 1.07, IDLC Finance 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 523 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. IDLC Finance's current PB Ratio of 0.83 is 22.4% 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 IDLC Finance 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. IDLC Finance's current PB Ratio is 0.83, which is 37% below median its own 10-year median of 1.31. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is IDLC Finance stock overvalued right now?
Based on GuruFocus' analysis, IDLC Finance (DHA:IDLC) is currently considered Fairly Valued. The stock's GF Value™ is BDT44.91, compared to a current price of BDT40.80 — trading 9.2% below its estimated fair value. The current PB Ratio is 0.83, which is 37% below median its 10-year median of 1.31 and 22.4% below the Credit Services industry median of 1.07. IDLC Finance's overall GF Score™ is 85/100 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 IDLC Finance (DHA:IDLC), the current PB Ratio is 0.83 as of Jun. 26, 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 IDLC Finance (DHA:IDLC) Overvalued in 2026?
Based on GuruFocus' analysis, IDLC Finance stock appears to be undervalued.
The current stock price of BDT40.80 is trading 9.2% below its estimated GF Value™ of BDT44.91.
GuruFocus considers IDLC Finance to be Fairly Valued.
Key valuation signals for DHA:IDLC:
PB Ratio: 0.83 (37% below median its 10-year median of 1.31)
GF Value™: BDT44.91 vs. price of BDT40.80 (9.2% below fair value)
Industry Position: 22.4% below the Credit Services median (#209 of 523)
No single metric tells the full story. See the DHA:IDLC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
IDLC Finance PLC is a multiproduct financial institution with its presence in Corporate, SME, and Retail segments. The group provides diversified loan products to small businesses and women entrepreneurs, home loans, and loan solutions to corporate clients, including providing a green banking solution. Along with its subsidiaries, the company operates in the following segments: Core financing, Investment banking, Brokerage, and Asset Management businesses. The majority of its revenue is generated from the Core financing business segment. Geographically, it operates in Bangladesh.
85GF Score
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