Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
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.
Himalayan General Insurance Co PB Ratio Related Terms
Himalayan General Insurance 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 Insurance - Property & Casualty subindustry, Himalayan General Insurance 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.
Himalayan General Insurance Co PB Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Himalayan General Insurance Co's PB Ratio distribution charts can be found below:
* The bar in red indicates where Himalayan General Insurance Co's PB Ratio falls into.
Himalayan General Insurance Co 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.
Himalayan General Insurance Co (XNEP:HGI) has a PB Ratio of 2.86 as of Aug. 15, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Himalayan General Insurance Co and its competitors.
Is Himalayan General Insurance Co's PB Ratio too high?
Himalayan General Insurance Co's current PB Ratio is 2.86. The Insurance industry median PB Ratio is 1.40. Himalayan General Insurance Co's value of 2.86 is 104.3% above this industry median. Overall, Himalayan General Insurance Co has a GF Score™ of 25/100, reflecting its overall financial health beyond just this single metric.
How does Himalayan General Insurance Co's PB Ratio compare to CB and PGR?
Himalayan General Insurance Co's PB Ratio of 2.86 can be compared against companies in the Insurance industry. The industry median PB Ratio is 1.40. Himalayan General Insurance Co's value of 2.86 is 104.3% above this benchmark. 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 498 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. Himalayan General Insurance Co's current PB Ratio of 2.86 is 104.3% 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 Himalayan General Insurance Co 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. Himalayan General Insurance Co's current PB Ratio is 2.86. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Himalayan General Insurance Co stock overvalued right now?
Himalayan General Insurance Co (XNEP:HGI) has a current PB Ratio of 2.86. The current PB Ratio is 2.86 and 104.3% above the Insurance industry median of 1.40. Himalayan General Insurance Co's overall GF Score™ is 25/100. 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 Himalayan General Insurance Co (XNEP:HGI), the current PB Ratio is 2.86 as of Aug. 15, 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.
Himalayan General Insurance Co Ltd operates as an insurance company. It is engaged in the business of underwriting non-life insurance. The company's business segments are Fire, Marine, Motor, Engineering, Aviation, Miscellaneous, Agriculture and Micro segments.
25GF Score
Get the complete analysis for XNEP:HGI
PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XNEP:HGI has been successfully added to your 
