PTC India Financial ServicesNSE:PFS -0.13%74 PB Ratio is 0.65 as of Jul. 01, 2026, which is 7% above its 10-year median of 0.61. GuruFocus rates NSE:PFS with a GF Score™ of 74/100 and a GF Value™ of ₹27.08 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 524 Credit Services companies, PTC India Financial Services ranks better than 72.14% on this metric.
The historical rank and industry rank for PTC India Financial Services's PB Ratio or its related term are showing as below:
NSE:PFS'
s PB Ratio Range Over the Past 10 Years
Min: 0.24 Med: 0.61 Max: 1.39
Current: 0.66
During the past 13 years, PTC India Financial Services's highest PB Ratio was 1.39. The lowest was 0.24. And the median was 0.61.
NSE:PFS's PB Ratio is ranked better than 72.14% of 524
companies
in the Credit Services industry
Industry Median: 1.05
vs NSE:PFS: 0.66
During the past 12 months, PTC India Financial Services's average Book Value Per Share Growth Rate was 11.80% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 8.00% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 7.40% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 3.90% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of PTC India Financial Services was 43.60% per year. The lowest was -13.00% per year. And the median was 6.50% per year.
Back to Basics: PB Ratio
PTC India Financial Services (NSE:PFS) 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.
PTC India Financial Services PB Ratio Related Terms
PTC India Financial Services 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, PTC India Financial Services'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.
PTC India Financial Services PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PTC India Financial Services's PB Ratio distribution charts can be found below:
* The bar in red indicates where PTC India Financial Services'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.
PTC India Financial Services (NSE:PFS) has a PB Ratio of 0.65 as of Jul. 01, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on PTC India Financial Services and its competitors. This is near median its historical median of 0.61. Over the past decade, PTC India Financial Services' PB Ratio has ranged from 0.24 to 1.39. According to the industry distribution chart, PTC India Financial Services ranks #146 out of 524 companies in the Credit Services industry, placing it in the top 27.9%.
Is PTC India Financial Services' PB Ratio too high?
PTC India Financial Services' current PB Ratio of 0.65 is near median its 10-year median of 0.61. Over the past 10 years, this metric has ranged from a low of 0.24 to a high of 1.39. The Credit Services industry median PB Ratio is 1.05. PTC India Financial Services' value of 0.65 is 38.1% below this industry median. Based on the distribution chart, PTC India Financial Services ranks #146 out of 524 companies in the Credit Services industry, which is above the industry midpoint. Overall, PTC India Financial Services has a GF Score™ of 74/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PTC India Financial Services' PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, PTC India Financial Services ranks #146 out of 524 companies for PB Ratio. This puts PTC India Financial Services in the upper half of its industry. The industry median PB Ratio is 1.05. PTC India Financial Services' value of 0.65 is 38.1% below this benchmark. Historically, PTC India Financial Services' own PB Ratio has ranged from 0.24 to 1.39 over the past decade. While the company's 10-year median is 0.61 vs. the industry median of 1.05, PTC India Financial Services 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 1.05, based on 524 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. PTC India Financial Services's current PB Ratio of 0.65 is 38.1% 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 PTC India Financial Services and its competitors. For the Credit Services industry, the median PB Ratio is 1.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PTC India Financial Services's current PB Ratio is 0.65, which is near median its own 10-year median of 0.61. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PTC India Financial Services stock overvalued right now?
Based on GuruFocus' analysis, PTC India Financial Services (NSE:PFS) is currently considered Modestly Overvalued. The stock's GF Value™ is ₹27.08, compared to a current price of ₹31.34 — trading 15.7% above its estimated fair value. The current PB Ratio is 0.65, which is near median its 10-year median of 0.61 and 38.1% below the Credit Services industry median of 1.05. PTC India Financial Services' overall GF Score™ is 74/100 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 PTC India Financial Services (NSE:PFS), the current PB Ratio is 0.65 as of Jul. 01, 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 PTC India Financial Services (NSE:PFS) Overvalued in 2026?
Based on GuruFocus' analysis, PTC India Financial Services stock appears to be overvalued.
The current stock price of ₹31.34 is trading 15.7% above its estimated GF Value™ of ₹27.08.
GuruFocus considers PTC India Financial Services to be Modestly Overvalued.
Key valuation signals for NSE:PFS:
PB Ratio: 0.65 (near median its 10-year median of 0.61)
GF Value™: ₹27.08 vs. price of ₹31.34 (15.7% above fair value)
Industry Position: 38.1% below the Credit Services median (#146 of 524)
No single metric tells the full story. See the NSE:PFS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PTC India Financial Services Ltd provides total financial services to the entities in the energy value chain, which inter alia includes investing in equity and extending debt to power projects in generation, transmission, distribution, fuel sources, fuel-related infrastructures like gas pipelines, LNG terminals, ports, equipment manufacturers, and EPC contractors. The company also provides non-fund-based financial services, adding value to greenfield and brownfield projects at various stages of growth and development. The company is an India-based Non-Banking Financial company.
74GF Score
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