Makati FinancePHS:MFIN +10.61%53 PB Ratio is 1.13 as of Jun. 27, 2026, which is 2% below its 10-year median of 1.15. GuruFocus rates PHS:MFIN with a GF Score™ of 53/100 and a GF Value™ of ₱1.93 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 523 Credit Services companies, Makati Finance ranks better than 51.43% 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 (2026-06-27), Makati Finance's share price is ₱2.19. Makati Finance's Book Value per Share for the quarter that ended in Mar. 2026 was ₱1.94. Hence, Makati Finance's PB Ratio of today is 1.13.
Warning Sign:
Makati Finance Corp stock PB Ratio (=1.08) is close to 2-year high of 1.08.
The historical rank and industry rank for Makati Finance's PB Ratio or its related term are showing as below:
PHS:MFIN'
s PB Ratio Range Over the Past 10 Years
Min: 0.63 Med: 1.15 Max: 1.95
Current: 1.13
During the past 13 years, Makati Finance's highest PB Ratio was 1.95. The lowest was 0.63. And the median was 1.15.
PHS:MFIN's PB Ratio is ranked better than 51.43% of 523
companies
in the Credit Services industry
Industry Median: 1.07
vs PHS:MFIN: 1.13
During the past 12 months, Makati Finance's average Book Value Per Share Growth Rate was -8.90% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 2.70% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 2.40% 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 Makati Finance was 19.00% per year. The lowest was 1.60% per year. And the median was 4.80% 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.
Makati Finance PB Ratio Related Terms
Makati Finance PB Ratio Historical Data
* Premium members only.
The historical data trend for Makati 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, Makati 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.
Makati Finance PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Makati Finance's PB Ratio distribution charts can be found below:
* The bar in red indicates where Makati 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.
Makati 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.
Makati Finance (PHS:MFIN) has a PB Ratio of 1.13 as of Jun. 27, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Makati Finance and its competitors. This is near median its historical median of 1.15. Over the past decade, Makati Finance's PB Ratio has ranged from 0.63 to 1.95. According to the industry distribution chart, Makati Finance ranks #254 out of 523 companies in the Credit Services industry, placing it in the top 48.6%.
Is Makati Finance's PB Ratio too high?
Makati Finance's current PB Ratio of 1.13 is near median its 10-year median of 1.15. Over the past 10 years, this metric has ranged from a low of 0.63 to a high of 1.95. The Credit Services industry median PB Ratio is 1.07. Makati Finance's value of 1.13 is 5.6% above this industry median. Based on the distribution chart, Makati Finance ranks #254 out of 523 companies in the Credit Services industry, which is above the industry midpoint. Overall, Makati Finance has a GF Score™ of 53/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Makati Finance's PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Makati Finance ranks #254 out of 523 companies for PB Ratio. This puts Makati Finance in the upper half of its industry. The industry median PB Ratio is 1.07. Makati Finance's value of 1.13 is 5.6% above this benchmark. Historically, Makati Finance's own PB Ratio has ranged from 0.63 to 1.95 over the past decade. While the company's 10-year median is 1.15 vs. the industry median of 1.07, Makati Finance has consistently been above 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. Makati Finance's current PB Ratio of 1.13 is 5.6% above 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 Makati 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. Makati Finance's current PB Ratio is 1.13, which is near median its own 10-year median of 1.15. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Makati Finance stock overvalued right now?
Based on GuruFocus' analysis, Makati Finance (PHS:MFIN) is currently considered Modestly Overvalued. The stock's GF Value™ is ₱1.93, compared to a current price of ₱2.19 — trading 13.5% above its estimated fair value. The current PB Ratio is 1.13, which is near median its 10-year median of 1.15 and 5.6% above the Credit Services industry median of 1.07. Makati Finance's overall GF Score™ is 53/100 with 8 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 Makati Finance (PHS:MFIN), the current PB Ratio is 1.13 as of Jun. 27, 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 Makati Finance (PHS:MFIN) Overvalued in 2026?
Based on GuruFocus' analysis, Makati Finance stock appears to be overvalued.
The current stock price of ₱2.19 is trading 13.5% above its estimated GF Value™ of ₱1.93.
GuruFocus considers Makati Finance to be Modestly Overvalued.
Key valuation signals for PHS:MFIN:
PB Ratio: 1.13 (near median its 10-year median of 1.15)
GF Value™: ₱1.93 vs. price of ₱2.19 (13.5% above fair value)
Industry Position: 5.6% above the Credit Services median (#254 of 523)
No single metric tells the full story. See the PHS:MFIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Makati Finance Corp provides financial services and advisory to its clients. It is engaged in stock dealership functions, credit line extensions, and acceptance of private placements. It has expanded its product lines from its traditional Rx Cashline, MFC Factors (receivables financing) Business Loans; Motorcycle Financing to include new financial products lines recently introduced by the company namely: corporate salary loans; personal loans; micro business loans; pension loans; car loans and leisure bikes financing. Its segments include Rx Cashline Group; Business Loans, Motor Vehicles Financing Group, Car Loans, and Other Segments. It derives revenue from Business Loans which grants loans to finance business owners who wish to expand its business or for the purpose of starting capital.
53GF Score
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