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LankaBangla FinanceDHA:LANKABAFIN -1.06%58 PB Ratio is 0.98 as of Jul. 23, 2026, which is 25% below its 10-year median of 1.30. GuruFocus rates DHA:LANKABAFIN with a GF Score™ of 58/100 and a GF Value™ of BDT22.57 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 526 Credit Services companies, LankaBangla Finance ranks better than 53.8% on this metric.
LankaBangla Finance PLC stock PB Ratio (=0.9) is close to 1-year high of 0.94.
The historical rank and industry rank for LankaBangla Finance's PB Ratio or its related term are showing as below:
DHA:LANKABAFIN'
s PB Ratio Range Over the Past 10 Years
Min: 0.64 Med: 1.3 Max: 3.11
Current: 0.98
During the past 13 years, LankaBangla Finance's highest PB Ratio was 3.11. The lowest was 0.64. And the median was 1.30.
DHA:LANKABAFIN's PB Ratio is ranked better than 53.8% of 526
companies
in the Credit Services industry
Industry Median: 1.06
vs DHA:LANKABAFIN: 0.98
During the past 12 months, LankaBangla Finance's average Book Value Per Share Growth Rate was 2.80% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was -2.60% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 0.70% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 5.00% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of LankaBangla Finance was 47.60% per year. The lowest was -2.60% per year. And the median was 4.00% per year.
Back to Basics: PB Ratio
LankaBangla Finance (DHA:LANKABAFIN) 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.
LankaBangla Finance PB Ratio Related Terms
LankaBangla Finance PB Ratio Historical Data
* Premium members only.
The historical data trend for LankaBangla 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, LankaBangla 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.
LankaBangla Finance PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, LankaBangla Finance's PB Ratio distribution charts can be found below:
* The bar in red indicates where LankaBangla 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.
LankaBangla Finance (DHA:LANKABAFIN) has a PB Ratio of 0.98 as of Jul. 23, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on LankaBangla Finance and its competitors. This is 25% below median its historical median of 1.30. Over the past decade, LankaBangla Finance's PB Ratio has ranged from 0.64 to 3.11. According to the industry distribution chart, LankaBangla Finance ranks #243 out of 526 companies in the Credit Services industry, placing it in the top 46.2%.
Is LankaBangla Finance's PB Ratio too high?
LankaBangla Finance's current PB Ratio of 0.98 is 25% below median its 10-year median of 1.30. Over the past 10 years, this metric has ranged from a low of 0.64 to a high of 3.11. The Credit Services industry median PB Ratio is 1.06. LankaBangla Finance's value of 0.98 is 7.5% below this industry median. Based on the distribution chart, LankaBangla Finance ranks #243 out of 526 companies in the Credit Services industry, which is above the industry midpoint. Overall, LankaBangla Finance has a GF Score™ of 58/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does LankaBangla Finance's PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, LankaBangla Finance ranks #243 out of 526 companies for PB Ratio. This puts LankaBangla Finance in the upper half of its industry. The industry median PB Ratio is 1.06. LankaBangla Finance's value of 0.98 is 7.5% below this benchmark. Historically, LankaBangla Finance's own PB Ratio has ranged from 0.64 to 3.11 over the past decade. While the company's 10-year median is 1.30 vs. the industry median of 1.06, LankaBangla 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 1.06, 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. LankaBangla Finance's current PB Ratio of 0.98 is 7.5% 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 LankaBangla 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. LankaBangla Finance's current PB Ratio is 0.98, which is 25% below median its own 10-year median of 1.30. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is LankaBangla Finance stock overvalued right now?
Based on GuruFocus' analysis, LankaBangla Finance (DHA:LANKABAFIN) is currently considered Modestly Undervalued. The stock's GF Value™ is BDT22.57, compared to a current price of BDT18.70 — trading 17.1% below its estimated fair value. The current PB Ratio is 0.98, which is 25% below median its 10-year median of 1.30 and 7.5% below the Credit Services industry median of 1.06. LankaBangla Finance's overall GF Score™ is 58/100 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 LankaBangla Finance (DHA:LANKABAFIN), the current PB Ratio is 0.98 as of Jul. 23, 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 LankaBangla Finance (DHA:LANKABAFIN) Overvalued in 2026?
Based on GuruFocus' analysis, LankaBangla Finance stock appears to be undervalued.
The current stock price of BDT18.70 is trading 17.1% below its estimated GF Value™ of BDT22.57.
GuruFocus considers LankaBangla Finance to be Modestly Undervalued.
Key valuation signals for DHA:LANKABAFIN:
PB Ratio: 0.98 (25% below median its 10-year median of 1.30)
GF Value™: BDT22.57 vs. price of BDT18.70 (17.1% below fair value)
Industry Position: 7.5% below the Credit Services median (#243 of 526)
No single metric tells the full story. See the DHA:LANKABAFIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
LankaBangla Finance PLC is engaged in providing financial services. The company offers corporate financial services, personal financial services, SME financial services, stock broking, corporate advisory and wealth management services. It is a financial institution to operate credit card and provide third-party card processing services to different banks in Bangladesh. The company has four reportable segments being Core Financing Business; Brokerage; Investment Business, and Asset Management Business. It derives majority of its revenues from the Core Financing Business segment.
58GF Score
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