Finbond GroupJSE:FGL -1.10%34 PB Ratio is 0.87 as of Jun. 26, 2026, which is 12% below its 10-year median of 0.99. GuruFocus rates JSE:FGL with a GF Score™ of 34/100 and a GF Value™ of R0.92 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,516 Banks companies, Finbond Group ranks better than 68.54% 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), Finbond Group's share price is R0.90. Finbond Group's Book Value per Share for the quarter that ended in Feb. 2026 was R1.03. Hence, Finbond Group's PB Ratio of today is 0.87.
The historical rank and industry rank for Finbond Group's PB Ratio or its related term are showing as below:
JSE:FGL'
s PB Ratio Range Over the Past 10 Years
Min: 0.21 Med: 0.99 Max: 6.22
Current: 0.87
During the past 13 years, Finbond Group's highest PB Ratio was 6.22. The lowest was 0.21. And the median was 0.99.
JSE:FGL's PB Ratio is ranked better than 68.54% of 1516
companies
in the Banks industry
Industry Median: 1.09
vs JSE:FGL: 0.87
During the past 12 months, Finbond Group's average Book Value Per Share Growth Rate was -32.30% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 0.90% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 3.30% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 4.40% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Finbond Group was 151.40% per year. The lowest was -20.00% per year. And the median was 6.80% 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.
Finbond Group PB Ratio Related Terms
Finbond Group PB Ratio Historical Data
* Premium members only.
The historical data trend for Finbond Group'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 Mortgage Finance subindustry, Finbond Group'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.
Finbond Group PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Finbond Group's PB Ratio distribution charts can be found below:
* The bar in red indicates where Finbond Group'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.
Finbond Group'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.
Finbond Group (JSE:FGL) has a PB Ratio of 0.87 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 Finbond Group and its competitors. This is 12% below median its historical median of 0.99. Over the past decade, Finbond Group's PB Ratio has ranged from 0.21 to 6.22. According to the industry distribution chart, Finbond Group ranks #477 out of 1516 companies in the Banks industry, placing it in the top 31.5%.
Is Finbond Group's PB Ratio too high?
Finbond Group's current PB Ratio of 0.87 is 12% below median its 10-year median of 0.99. Over the past 10 years, this metric has ranged from a low of 0.21 to a high of 6.22. The Banks industry median PB Ratio is 1.09. Finbond Group's value of 0.87 is 20.2% below this industry median. Based on the distribution chart, Finbond Group ranks #477 out of 1516 companies in the Banks industry, which is above the industry midpoint. Overall, Finbond Group has a GF Score™ of 34/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Finbond Group's PB Ratio compare to RKT and FNMA?
According to the Banks industry distribution chart, Finbond Group ranks #477 out of 1516 companies for PB Ratio. This puts Finbond Group in the upper half of its industry. The industry median PB Ratio is 1.09. Finbond Group's value of 0.87 is 20.2% below this benchmark. Historically, Finbond Group's own PB Ratio has ranged from 0.21 to 6.22 over the past decade. While the company's 10-year median is 0.99 vs. the industry median of 1.09, Finbond Group 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 Banks company?
The median PB Ratio among Banks companies is 1.09, based on 1,516 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. Finbond Group's current PB Ratio of 0.87 is 20.2% 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 Finbond Group and its competitors. For the Banks industry, the median PB Ratio is 1.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Finbond Group's current PB Ratio is 0.87, which is 12% below median its own 10-year median of 0.99. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Finbond Group stock overvalued right now?
Based on GuruFocus' analysis, Finbond Group (JSE:FGL) is currently considered Fairly Valued. The stock's GF Value™ is R0.92, compared to a current price of R0.90 — trading 2.2% below its estimated fair value. The current PB Ratio is 0.87, which is 12% below median its 10-year median of 0.99 and 20.2% below the Banks industry median of 1.09. Finbond Group's overall GF Score™ is 34/100 with 6 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 Finbond Group (JSE:FGL), the current PB Ratio is 0.87 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 Finbond Group (JSE:FGL) Overvalued in 2026?
Based on GuruFocus' analysis, Finbond Group stock appears to be undervalued.
The current stock price of R0.90 is trading 2.2% below its estimated GF Value™ of R0.92.
GuruFocus considers Finbond Group to be Fairly Valued.
Key valuation signals for JSE:FGL:
PB Ratio: 0.87 (12% below median its 10-year median of 0.99)
GF Value™: R0.92 vs. price of R0.90 (2.2% below fair value)
Industry Position: 20.2% below the Banks median (#477 of 1516)
No single metric tells the full story. See the JSE:FGL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Finbond Group Ltd is a financial services institution that is engaged in the design and delivery of value and solution-based savings, credit, and insurance solutions tailored to depositor and borrower requirements. The company's business segments are Deposit and Debt Finance Products, Lending, Property investment, and Transactional banking, and Others. It derives key revenue from the Lending segment. Company opertes in USA, South Africa, and Canada, with majority of revenue from USA.
34GF Score
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