Citizen Investment TrustXNEP:CIT +0.06%81 PB Ratio is 0.37 as of Jul. 12, 2026, which is 23% below its 10-year median of 0.48. GuruFocus rates XNEP:CIT with a GF Score™ of 81/100 and a GF Value™ of NPR2,558.83 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 1,603 Asset Management companies, Citizen Investment Trust ranks better than 94.45% on this metric.
Citizen Investment Trust stock PB Ratio (=0.37) is close to 5-year low of 0.36.
The historical rank and industry rank for Citizen Investment Trust's PB Ratio or its related term are showing as below:
XNEP:CIT'
s PB Ratio Range Over the Past 10 Years
Min: 0.13 Med: 0.48 Max: 19.31
Current: 0.37
During the past 9 years, Citizen Investment Trust's highest PB Ratio was 19.31. The lowest was 0.13. And the median was 0.48.
XNEP:CIT's PB Ratio is ranked better than 94.45% of 1603
companies
in the Asset Management industry
Industry Median: 0.96
vs XNEP:CIT: 0.37
During the past 12 months, Citizen Investment Trust's average Book Value Per Share Growth Rate was 14.40% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 15.00% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 8.70% per year.
During the past 9 years, the highest 3-Year average Book Value Per Share Growth Rate of Citizen Investment Trust was 15.00% per year. The lowest was 3.30% per year. And the median was 8.40% per year.
Back to Basics: PB Ratio
Citizen Investment Trust (XNEP:CIT) 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 Asset Management subindustry, Citizen Investment Trust'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.
Citizen Investment Trust PB Ratio vs Asset Management Industry
For the Asset Management industry and Financial Services sector, Citizen Investment Trust's PB Ratio distribution charts can be found below:
* The bar in red indicates where Citizen Investment Trust'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.
Citizen Investment Trust (XNEP:CIT) has a PB Ratio of 0.37 as of Jul. 12, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Citizen Investment Trust and its competitors. This is 23% below median its historical median of 0.48. Over the past decade, Citizen Investment Trust's PB Ratio has ranged from 0.13 to 19.31. According to the industry distribution chart, Citizen Investment Trust ranks #89 out of 1603 companies in the Asset Management industry, placing it in the top 5.6%.
Is Citizen Investment Trust's PB Ratio too high?
Citizen Investment Trust's current PB Ratio of 0.37 is 23% below median its 10-year median of 0.48. Over the past 10 years, this metric has ranged from a low of 0.13 to a high of 19.31. The Asset Management industry median PB Ratio is 0.96. Citizen Investment Trust's value of 0.37 is 61.5% below this industry median. Based on the distribution chart, Citizen Investment Trust ranks #89 out of 1603 companies in the Asset Management industry, which is in the top quartile — a strong position relative to peers. Overall, Citizen Investment Trust has a GF Score™ of 81/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Citizen Investment Trust's PB Ratio compare to BLK and BX?
According to the Asset Management industry distribution chart, Citizen Investment Trust ranks #89 out of 1603 companies for PB Ratio. This places Citizen Investment Trust in the top 6% of its industry — outperforming the majority of peers. The industry median PB Ratio is 0.96. Citizen Investment Trust's value of 0.37 is 61.5% below this benchmark. Historically, Citizen Investment Trust's own PB Ratio has ranged from 0.13 to 19.31 over the past decade. While the company's 10-year median is 0.48 vs. the industry median of 0.96, Citizen Investment Trust 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 an Asset Management company?
The median PB Ratio among Asset Management companies is 0.96, based on 1,603 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. Citizen Investment Trust's current PB Ratio of 0.37 is 61.5% 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 Citizen Investment Trust and its competitors. For the Asset Management industry, the median PB Ratio is 0.96 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizen Investment Trust's current PB Ratio is 0.37, which is 23% below median its own 10-year median of 0.48. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Citizen Investment Trust stock overvalued right now?
Based on GuruFocus' analysis, Citizen Investment Trust (XNEP:CIT) is currently considered Significantly Undervalued. The stock's GF Value™ is NPR2,558.83, compared to a current price of NPR1,684.00 — trading 34.2% below its estimated fair value. The current PB Ratio is 0.37, which is 23% below median its 10-year median of 0.48 and 61.5% below the Asset Management industry median of 0.96. Citizen Investment Trust's overall GF Score™ is 81/100 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 Citizen Investment Trust (XNEP:CIT), the current PB Ratio is 0.37 as of Jul. 12, 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 Citizen Investment Trust (XNEP:CIT) Overvalued in 2026?
Based on GuruFocus' analysis, Citizen Investment Trust stock appears to be undervalued.
The current stock price of NPR1,684.00 is trading 34.2% below its estimated GF Value™ of NPR2,558.83.
GuruFocus considers Citizen Investment Trust to be Significantly Undervalued.
Key valuation signals for XNEP:CIT:
PB Ratio: 0.37 (23% below median its 10-year median of 0.48)
GF Value™: NPR2,558.83 vs. price of NPR1,684.00 (34.2% below fair value)
Industry Position: 61.5% below the Asset Management median (#89 of 1603)
No single metric tells the full story. See the XNEP:CIT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Citizen Investment Trust is an investment trust. It operates and manages various types of retirement schemes / programs, unit schemes and mutual fund program for both domestic and foreign investors.
81GF Score
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