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Guardian Micro Life InsuranceXNEP:GMLI +1.05%40 PB Ratio is 8.06 as of Jul. 31, 2026, which is 54% below its 10-year median of 17.42. GuruFocus rates XNEP:GMLI with a GF Score™ of 40/100. The stock has 2 warning signs investors should review. Among 497 Insurance companies, Guardian Micro Life Insurance ranks worse than 96.38% on this metric.
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.
Guardian Micro Life Insurance PB Ratio Related Terms
Guardian Micro Life Insurance 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 Insurance - Life subindustry, Guardian Micro Life Insurance'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.
Guardian Micro Life Insurance PB Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Guardian Micro Life Insurance's PB Ratio distribution charts can be found below:
* The bar in red indicates where Guardian Micro Life Insurance's PB Ratio falls into.
Guardian Micro Life Insurance PB Ratio Calculation
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.
Guardian Micro Life Insurance (XNEP:GMLI) has a PB Ratio of 8.06 as of Jul. 31, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Guardian Micro Life Insurance and its competitors. This is 54% below median its historical median of 17.42. Over the past decade, Guardian Micro Life Insurance's PB Ratio has ranged from 6.29 to 33.73. According to the industry distribution chart, Guardian Micro Life Insurance ranks #479 out of 497 companies in the Insurance industry, placing it in the top 96.4%.
Is Guardian Micro Life Insurance's PB Ratio too high?
Guardian Micro Life Insurance's current PB Ratio of 8.06 is 54% below median its 10-year median of 17.42. Over the past 10 years, this metric has ranged from a low of 6.29 to a high of 33.73. The Insurance industry median PB Ratio is 1.40. Guardian Micro Life Insurance's value of 8.06 is 475.7% above this industry median. Based on the distribution chart, Guardian Micro Life Insurance ranks #479 out of 497 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Guardian Micro Life Insurance has a GF Score™ of 40/100, reflecting its overall financial health beyond just this single metric.
How does Guardian Micro Life Insurance's PB Ratio compare to AFL and MET?
According to the Insurance industry distribution chart, Guardian Micro Life Insurance ranks #479 out of 497 companies for PB Ratio. This places Guardian Micro Life Insurance in the lower half of its industry. The industry median PB Ratio is 1.40. Guardian Micro Life Insurance's value of 8.06 is 475.7% above this benchmark. Historically, Guardian Micro Life Insurance's own PB Ratio has ranged from 6.29 to 33.73 over the past decade. While the company's 10-year median is 17.42 vs. the industry median of 1.40, Guardian Micro Life Insurance 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 an Insurance company?
The median PB Ratio among Insurance companies is 1.40, based on 497 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. Guardian Micro Life Insurance's current PB Ratio of 8.06 is 475.7% 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 Guardian Micro Life Insurance and its competitors. For the Insurance industry, the median PB Ratio is 1.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Guardian Micro Life Insurance's current PB Ratio is 8.06, which is 54% below median its own 10-year median of 17.42. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Guardian Micro Life Insurance stock overvalued right now?
Guardian Micro Life Insurance (XNEP:GMLI) has a current PB Ratio of 8.06. The current PB Ratio is 8.06, which is 54% below median its 10-year median of 17.42 and 475.7% above the Insurance industry median of 1.40. Guardian Micro Life Insurance's overall GF Score™ is 40/100 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 Guardian Micro Life Insurance (XNEP:GMLI), the current PB Ratio is 8.06 as of Jul. 31, 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.
Guardian Micro Life Insurance Ltd life insurance company in Nepal. It offers a range of insurance products tailored to meet needs and budget, with personalized advice from experienced professionals. Its products are Micro Term Plan, Micro Endowment Plan, Micro Group Plan, Micro Moneyback Plan, and Micro Whole Life Plan.
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