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Societe Generale GhanaXGHA:SOGEGH 63 PB Ratio is 1.82 as of Jul. 18, 2026, which is 164% above its 10-year median of 0.69. GuruFocus rates XGHA:SOGEGH with a GF Score™ of 63/100 and a GF Value™ of GHS1.60 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 1,517 Banks companies, Societe Generale Ghana ranks worse than 85.43% on this metric.
The historical rank and industry rank for Societe Generale Ghana's PB Ratio or its related term are showing as below:
XGHA:SOGEGH'
s PB Ratio Range Over the Past 10 Years
Min: 0.34 Med: 0.69 Max: 3.11
Current: 1.82
During the past 13 years, Societe Generale Ghana's highest PB Ratio was 3.11. The lowest was 0.34. And the median was 0.69.
XGHA:SOGEGH's PB Ratio is ranked worse than 85.43% of 1517
companies
in the Banks industry
Industry Median: 1.12
vs XGHA:SOGEGH: 1.82
During the past 12 months, Societe Generale Ghana's average Book Value Per Share Growth Rate was 2.70% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 33.70% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 26.00% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 19.70% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Societe Generale Ghana was 33.70% per year. The lowest was 10.40% per year. And the median was 15.80% per year.
Back to Basics: PB Ratio
Societe Generale Ghana (XGHA:SOGEGH) 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.
* 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 Banks - Regional subindustry, Societe Generale Ghana'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.
Societe Generale Ghana PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Societe Generale Ghana's PB Ratio distribution charts can be found below:
* The bar in red indicates where Societe Generale Ghana'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.
Societe Generale Ghana (XGHA:SOGEGH) has a PB Ratio of 1.82 as of Jul. 18, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Societe Generale Ghana and its competitors. This is 164% above median its historical median of 0.69. Over the past decade, Societe Generale Ghana's PB Ratio has ranged from 0.34 to 3.11. According to the industry distribution chart, Societe Generale Ghana ranks #1296 out of 1517 companies in the Banks industry, placing it in the top 85.4%.
Is Societe Generale Ghana's PB Ratio too high?
Societe Generale Ghana's current PB Ratio of 1.82 is 164% above median its 10-year median of 0.69. Over the past 10 years, this metric has ranged from a low of 0.34 to a high of 3.11. The Banks industry median PB Ratio is 1.12. Societe Generale Ghana's value of 1.82 is 62.5% above this industry median. Based on the distribution chart, Societe Generale Ghana ranks #1296 out of 1517 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Societe Generale Ghana has a GF Score™ of 63/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Societe Generale Ghana's PB Ratio compare to PNC?
According to the Banks industry distribution chart, Societe Generale Ghana ranks #1296 out of 1517 companies for PB Ratio. This places Societe Generale Ghana in the lower half of its industry. The industry median PB Ratio is 1.12. Societe Generale Ghana's value of 1.82 is 62.5% above this benchmark. Historically, Societe Generale Ghana's own PB Ratio has ranged from 0.34 to 3.11 over the past decade. While the company's 10-year median is 0.69 vs. the industry median of 1.12, Societe Generale Ghana 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 Banks company?
The median PB Ratio among Banks companies is 1.12, based on 1,517 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. Societe Generale Ghana's current PB Ratio of 1.82 is 62.5% 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 Societe Generale Ghana and its competitors. For the Banks industry, the median PB Ratio is 1.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Societe Generale Ghana's current PB Ratio is 1.82, which is 164% above median its own 10-year median of 0.69. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Societe Generale Ghana stock overvalued right now?
Based on GuruFocus' analysis, Societe Generale Ghana (XGHA:SOGEGH) is currently considered Significantly Overvalued. The stock's GF Value™ is GHS1.60, compared to a current price of GHS6.80 — trading 325% above its estimated fair value. The current PB Ratio is 1.82, which is 164% above median its 10-year median of 0.69 and 62.5% above the Banks industry median of 1.12. Societe Generale Ghana's overall GF Score™ is 63/100 with 2 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 Societe Generale Ghana (XGHA:SOGEGH), the current PB Ratio is 1.82 as of Jul. 18, 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 Societe Generale Ghana (XGHA:SOGEGH) Overvalued in 2026?
Based on GuruFocus' analysis, Societe Generale Ghana stock appears to be overvalued.
The current stock price of GHS6.80 is trading 325% above its estimated GF Value™ of GHS1.60.
GuruFocus considers Societe Generale Ghana to be Significantly Overvalued.
Key valuation signals for XGHA:SOGEGH:
PB Ratio: 1.82 (164% above median its 10-year median of 0.69)
GF Value™: GHS1.60 vs. price of GHS6.80 (325% above fair value)
Industry Position: 62.5% above the Banks median (#1296 of 1517)
No single metric tells the full story. See the XGHA:SOGEGH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Societe Generale Ghana PLC is a financial institution that provides retail banking, corporate banking, investment banking, and other financial intermediary financial services to individuals and corporates. Its business lines include Retail Banking, Corporate Banking and Treasury. The retail banking unit serve the needs of individuals, high net worth clients, and institutional clients. Corporate banking is responsible for providing loans and other credit facilities, as well as mobilizing deposits. The Treasury unit undertakes the bank's funding activities.
63GF Score
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