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HKSE:00605'
s PB Ratio Range Over the Past 10 Years
Min: 0.03 Med: 0.39 Max: 0.95
Current: 0.23
During the past 13 years, China Financial Services Holdings's highest PB Ratio was 0.95. The lowest was 0.03. And the median was 0.39.
HKSE:00605's PB Ratio is ranked better than 94.44% of 522
companies
in the Credit Services industry
Industry Median: 1.035
vs HKSE:00605: 0.23
During the past 12 months, China Financial Services Holdings's average Book Value Per Share Growth Rate was 13.90% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was -0.80% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -8.50% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was -18.20% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of China Financial Services Holdings was 33.90% per year. The lowest was -32.20% per year. And the median was 5.30% 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.
China Financial Services Holdings PB Ratio Related Terms
China Financial Services Holdings 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, China Financial Services Holdings'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.
China Financial Services Holdings PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, China Financial Services Holdings's PB Ratio distribution charts can be found below:
* The bar in red indicates where China Financial Services Holdings's PB Ratio falls into.
China Financial Services Holdings PB Ratio Calculation
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.
China Financial Services Holdings (HKSE:00605) has a PB Ratio of 0.23 as of Sep. 07, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on China Financial Services Holdings and its competitors. This is 41% below median its historical median of 0.39. Over the past decade, China Financial Services Holdings' PB Ratio has ranged from 0.03 to 0.95. According to the industry distribution chart, China Financial Services Holdings ranks #29 out of 522 companies in the Credit Services industry, placing it in the top 5.6%.
Is China Financial Services Holdings' PB Ratio too high?
China Financial Services Holdings' current PB Ratio of 0.23 is 41% below median its 10-year median of 0.39. Over the past 10 years, this metric has ranged from a low of 0.03 to a high of 0.95. The Credit Services industry median PB Ratio is 1.04. China Financial Services Holdings' value of 0.23 is 77.8% below this industry median. Based on the distribution chart, China Financial Services Holdings ranks #29 out of 522 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, China Financial Services Holdings has a GF Score™ of 42/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does China Financial Services Holdings' PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, China Financial Services Holdings ranks #29 out of 522 companies for PB Ratio. This places China Financial Services Holdings in the top 6% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.04. China Financial Services Holdings' value of 0.23 is 77.8% below this benchmark. Historically, China Financial Services Holdings' own PB Ratio has ranged from 0.03 to 0.95 over the past decade. While the company's 10-year median is 0.39 vs. the industry median of 1.04, China Financial Services Holdings 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 1.04, based on 522 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. China Financial Services Holdings's current PB Ratio of 0.23 is 77.8% 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 China Financial Services Holdings and its competitors. For the Credit Services industry, the median PB Ratio is 1.04 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. China Financial Services Holdings's current PB Ratio is 0.23, which is 41% below median its own 10-year median of 0.39. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is China Financial Services Holdings stock overvalued right now?
Based on GuruFocus' analysis, China Financial Services Holdings (HKSE:00605) is currently considered Significantly Overvalued. The stock's GF Value™ is HK$0.47, compared to a current price of HK$0.86 — trading 81.9% above its estimated fair value. The current PB Ratio is 0.23, which is 41% below median its 10-year median of 0.39 and 77.8% below the Credit Services industry median of 1.04. China Financial Services Holdings' overall GF Score™ is 42/100 with 4 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 China Financial Services Holdings (HKSE:00605), the current PB Ratio is 0.23 as of Sep. 07, 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 China Financial Services Holdings (HKSE:00605) Overvalued in 2026?
Based on GuruFocus' analysis, China Financial Services Holdings stock appears to be overvalued.
The current stock price of HK$0.86 is trading 81.9% above its estimated GF Value™ of HK$0.47.
GuruFocus considers China Financial Services Holdings to be Significantly Overvalued.
Key valuation signals for HKSE:00605:
PB Ratio: 0.23 (41% below median its 10-year median of 0.39)
GF Value™: HK$0.47 vs. price of HK$0.86 (81.9% above fair value)
Industry Position: 77.8% below the Credit Services median (#29 of 522)
No single metric tells the full story. See the HKSE:00605 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
China Financial Services Holdings Ltd is engaged in the provision of financing services in four operating regions, namely Hong Kong, Shenzhen, Chengdu, and Beijing. The clients are individual customers and corporate customers located in Hong Kong and the PRC. The group identifies potential customers through in-house sales teams, referrals, and networks with commercial banks, property developers, and small-to-medium-sized enterprises. The company's reportable segment are; financing services, and education service. Geographically, revenue is derived from the People's Republic of China.
42GF Score
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