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SHL Finance CoSAU:1183 -1.07%48 PB Ratio is 0.84 as of Jul. 21, 2026, which is 23% below its 10-year median of 1.09. GuruFocus rates SAU:1183 with a GF Score™ of 48/100 and a GF Value™ of ﷼28.33 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 1,514 Banks companies, SHL Finance Co ranks better than 70.74% 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 (2026-07-21), SHL Finance Co's share price is ﷼14.75. SHL Finance Co's Book Value per Share for the quarter that ended in Mar. 2026 was ﷼17.56. Hence, SHL Finance Co's PB Ratio of today is 0.84.
Good Sign:
SHL Finance Co stock PB Ratio (=0.86) is close to 5-year low of 0.8.
The historical rank and industry rank for SHL Finance Co's PB Ratio or its related term are showing as below:
SAU:1183'
s PB Ratio Range Over the Past 10 Years
Min: 0.8 Med: 1.09 Max: 1.36
Current: 0.84
During the past 8 years, SHL Finance Co's highest PB Ratio was 1.36. The lowest was 0.80. And the median was 1.09.
SAU:1183's PB Ratio is ranked better than 70.74% of 1514
companies
in the Banks industry
Industry Median: 1.11
vs SAU:1183: 0.84
During the past 12 months, SHL Finance Co's average Book Value Per Share Growth Rate was 3.20% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 0.60% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 1.20% per year.
During the past 8 years, the highest 3-Year average Book Value Per Share Growth Rate of SHL Finance Co was 5.30% per year. The lowest was 0.00% per year. And the median was 1.50% 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.
SHL Finance Co PB Ratio Related Terms
SHL Finance Co PB Ratio Historical Data
* Premium members only.
The historical data trend for SHL Finance Co'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, SHL Finance Co'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.
SHL Finance Co PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, SHL Finance Co's PB Ratio distribution charts can be found below:
* The bar in red indicates where SHL Finance Co'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.
SHL Finance Co'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.
SHL Finance Co (SAU:1183) has a PB Ratio of 0.84 as of Jul. 21, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on SHL Finance Co and its competitors. This is 23% below median its historical median of 1.09. Over the past decade, SHL Finance Co's PB Ratio has ranged from 0.80 to 1.36. According to the industry distribution chart, SHL Finance Co ranks #443 out of 1514 companies in the Banks industry, placing it in the top 29.3%.
Is SHL Finance Co's PB Ratio too high?
SHL Finance Co's current PB Ratio of 0.84 is 23% below median its 10-year median of 1.09. Over the past 10 years, this metric has ranged from a low of 0.80 to a high of 1.36. The Banks industry median PB Ratio is 1.11. SHL Finance Co's value of 0.84 is 24.3% below this industry median. Based on the distribution chart, SHL Finance Co ranks #443 out of 1514 companies in the Banks industry, which is above the industry midpoint. Overall, SHL Finance Co has a GF Score™ of 48/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does SHL Finance Co's PB Ratio compare to RKT and FNMA?
According to the Banks industry distribution chart, SHL Finance Co ranks #443 out of 1514 companies for PB Ratio. This puts SHL Finance Co in the upper half of its industry. The industry median PB Ratio is 1.11. SHL Finance Co's value of 0.84 is 24.3% below this benchmark. Historically, SHL Finance Co's own PB Ratio has ranged from 0.80 to 1.36 over the past decade. While the company's 10-year median is 1.09 vs. the industry median of 1.11, SHL Finance Co 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 1.11, based on 1,514 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. SHL Finance Co's current PB Ratio of 0.84 is 24.3% 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 SHL Finance Co and its competitors. For the Banks industry, the median PB Ratio is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SHL Finance Co's current PB Ratio is 0.84, which is 23% below median its own 10-year median of 1.09. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SHL Finance Co stock overvalued right now?
Based on GuruFocus' analysis, SHL Finance Co (SAU:1183) is currently considered Possible Value Trap. The stock's GF Value™ is ﷼28.33, compared to a current price of ﷼14.75 — trading 47.9% below its estimated fair value. The current PB Ratio is 0.84, which is 23% below median its 10-year median of 1.09 and 24.3% below the Banks industry median of 1.11. SHL Finance Co's overall GF Score™ is 48/100 with 3 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 SHL Finance Co (SAU:1183), the current PB Ratio is 0.84 as of Jul. 21, 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 SHL Finance Co (SAU:1183) Overvalued in 2026?
Based on GuruFocus' analysis, SHL Finance Co stock appears to be undervalued.
The current stock price of ﷼14.75 is trading 47.9% below its estimated GF Value™ of ﷼28.33.
GuruFocus considers SHL Finance Co to be Possible Value Trap.
Key valuation signals for SAU:1183:
PB Ratio: 0.84 (23% below median its 10-year median of 1.09)
GF Value™: ﷼28.33 vs. price of ﷼14.75 (47.9% below fair value)
Industry Position: 24.3% below the Banks median (#443 of 1514)
No single metric tells the full story. See the SAU:1183 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SHL Finance Co is engaged in real estate financing activities for individuals. The main activity of the company is to carry out real estate financing, Consumer Financing, and financing the activities of Small & Medium Establishments for individuals and corporations, in accordance with the provisions of the Companies Law, the Finance Companies Control Law, and its Executive Regulations and related regulations, and the rules and instructions issued by the Saudi Central Bank.
48GF Score
Get the complete analysis for SAU:1183
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