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Morabaha Marina Financing CoSAU:4082 +0.91%52 PB Ratio is 0.67 as of Jul. 16, 2026, which is 29% below its 10-year median of 0.94. GuruFocus rates SAU:4082 with a GF Score™ of 52/100 and a GF Value™ of ﷼11.60 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 525 Credit Services companies, Morabaha Marina Financing Co ranks better than 68.57% on this metric.
Morabaha Marina Financing Co stock PB Ratio (=0.67) is close to 5-year low of 0.64.
The historical rank and industry rank for Morabaha Marina Financing Co's PB Ratio or its related term are showing as below:
SAU:4082'
s PB Ratio Range Over the Past 10 Years
Min: 0.64 Med: 0.94 Max: 1.17
Current: 0.69
During the past 5 years, Morabaha Marina Financing Co's highest PB Ratio was 1.17. The lowest was 0.64. And the median was 0.94.
SAU:4082's PB Ratio is ranked better than 68.57% of 525
companies
in the Credit Services industry
Industry Median: 1.05
vs SAU:4082: 0.69
During the past 12 months, Morabaha Marina Financing Co's average Book Value Per Share Growth Rate was -2.50% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 14.10% per year.
During the past 5 years, the highest 3-Year average Book Value Per Share Growth Rate of Morabaha Marina Financing Co was 31.40% per year. The lowest was 14.10% per year. And the median was 22.75% per year.
Back to Basics: PB Ratio
Morabaha Marina Financing Co (SAU:4082) 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.
Morabaha Marina Financing Co PB Ratio Related Terms
Morabaha Marina Financing Co 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, Morabaha Marina Financing 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.
Morabaha Marina Financing Co PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Morabaha Marina Financing Co's PB Ratio distribution charts can be found below:
* The bar in red indicates where Morabaha Marina Financing 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.
* 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.
Morabaha Marina Financing Co (SAU:4082) has a PB Ratio of 0.67 as of Jul. 16, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Morabaha Marina Financing Co and its competitors. This is 29% below median its historical median of 0.94. Over the past decade, Morabaha Marina Financing Co's PB Ratio has ranged from 0.64 to 1.17. According to the industry distribution chart, Morabaha Marina Financing Co ranks #165 out of 525 companies in the Credit Services industry, placing it in the top 31.4%.
Is Morabaha Marina Financing Co's PB Ratio too high?
Morabaha Marina Financing Co's current PB Ratio of 0.67 is 29% below median its 10-year median of 0.94. Over the past 10 years, this metric has ranged from a low of 0.64 to a high of 1.17. The Credit Services industry median PB Ratio is 1.05. Morabaha Marina Financing Co's value of 0.67 is 36.2% below this industry median. Based on the distribution chart, Morabaha Marina Financing Co ranks #165 out of 525 companies in the Credit Services industry, which is above the industry midpoint. Overall, Morabaha Marina Financing Co has a GF Score™ of 52/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Morabaha Marina Financing Co's PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Morabaha Marina Financing Co ranks #165 out of 525 companies for PB Ratio. This puts Morabaha Marina Financing Co in the upper half of its industry. The industry median PB Ratio is 1.05. Morabaha Marina Financing Co's value of 0.67 is 36.2% below this benchmark. Historically, Morabaha Marina Financing Co's own PB Ratio has ranged from 0.64 to 1.17 over the past decade. While the company's 10-year median is 0.94 vs. the industry median of 1.05, Morabaha Marina Financing 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 Credit Services company?
The median PB Ratio among Credit Services companies is 1.05, based on 525 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. Morabaha Marina Financing Co's current PB Ratio of 0.67 is 36.2% 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 Morabaha Marina Financing Co 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. Morabaha Marina Financing Co's current PB Ratio is 0.67, which is 29% below median its own 10-year median of 0.94. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Morabaha Marina Financing Co stock overvalued right now?
Based on GuruFocus' analysis, Morabaha Marina Financing Co (SAU:4082) is currently considered Possible Value Trap. The stock's GF Value™ is ﷼11.60, compared to a current price of ﷼7.79 — trading 32.8% below its estimated fair value. The current PB Ratio is 0.67, which is 29% below median its 10-year median of 0.94 and 36.2% below the Credit Services industry median of 1.05. Morabaha Marina Financing Co's overall GF Score™ is 52/100 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 Morabaha Marina Financing Co (SAU:4082), the current PB Ratio is 0.67 as of Jul. 16, 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 Morabaha Marina Financing Co (SAU:4082) Overvalued in 2026?
Based on GuruFocus' analysis, Morabaha Marina Financing Co stock appears to be undervalued.
The current stock price of ﷼7.79 is trading 32.8% below its estimated GF Value™ of ﷼11.60.
GuruFocus considers Morabaha Marina Financing Co to be Possible Value Trap.
Key valuation signals for SAU:4082:
PB Ratio: 0.67 (29% below median its 10-year median of 0.94)
GF Value™: ﷼11.60 vs. price of ﷼7.79 (32.8% below fair value)
Industry Position: 36.2% below the Credit Services median (#165 of 525)
No single metric tells the full story. See the SAU:4082 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Morabaha Marina Financing Co provides non-bank financing. The company follows Sharia principles and offers flexible solutions in financing individuals and small and medium enterprises in the Kingdom of Saudi Arabia, in addition to evolved financing solutions such as tawarruq, ejara, and morabaha products. Its services, like individual financing, securitization, financial leasing, discounting, etc, are offered through a network of brand offices and point of sale centers across different cities in Saudi Arabia. Additionally, the company also offers electronic payment services and is developing digital channels to offer financial solutions through its official website. Its operating business segments are: Retail, which generates the maximum revenue, SMEs, Digital Payments, and Head Office.
52GF Score
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