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The historical rank and industry rank for Menif Financial Services's PB Ratio or its related term are showing as below:
XTAE:MNIF'
s PB Ratio Range Over the Past 10 Years
Min: 1.08 Med: 1.91 Max: 10.92
Current: 2.07
During the past 9 years, Menif Financial Services's highest PB Ratio was 10.92. The lowest was 1.08. And the median was 1.91.
XTAE:MNIF's PB Ratio is ranked worse than 75.48% of 526
companies
in the Credit Services industry
Industry Median: 1.06
vs XTAE:MNIF: 2.07
During the past 12 months, Menif Financial Services's average Book Value Per Share Growth Rate was 18.20% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 24.90% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 21.20% per year.
During the past 9 years, the highest 3-Year average Book Value Per Share Growth Rate of Menif Financial Services was 142.90% per year. The lowest was 18.00% per year. And the median was 24.90% per year.
Back to Basics: PB Ratio
Menif Financial Services (XTAE:MNIF) 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 Credit Services subindustry, Menif Financial Services'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.
Menif Financial Services PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Menif Financial Services's PB Ratio distribution charts can be found below:
* The bar in red indicates where Menif Financial Services'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.
Menif Financial Services (XTAE:MNIF) has a PB Ratio of 2.07 as of Jul. 21, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Menif Financial Services and its competitors. This is near median its historical median of 1.91. Over the past decade, Menif Financial Services' PB Ratio has ranged from 1.08 to 10.92. According to the industry distribution chart, Menif Financial Services ranks #397 out of 526 companies in the Credit Services industry, placing it in the top 75.5%.
Is Menif Financial Services' PB Ratio too high?
Menif Financial Services' current PB Ratio of 2.07 is near median its 10-year median of 1.91. Over the past 10 years, this metric has ranged from a low of 1.08 to a high of 10.92. The Credit Services industry median PB Ratio is 1.06. Menif Financial Services' value of 2.07 is 95.3% above this industry median. Based on the distribution chart, Menif Financial Services ranks #397 out of 526 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Menif Financial Services has a GF Score™ of 88/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Menif Financial Services' PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Menif Financial Services ranks #397 out of 526 companies for PB Ratio. This places Menif Financial Services in the lower half of its industry. The industry median PB Ratio is 1.06. Menif Financial Services' value of 2.07 is 95.3% above this benchmark. Historically, Menif Financial Services' own PB Ratio has ranged from 1.08 to 10.92 over the past decade. While the company's 10-year median is 1.91 vs. the industry median of 1.06, Menif Financial Services 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 Credit Services company?
The median PB Ratio among Credit Services companies is 1.06, based on 526 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. Menif Financial Services's current PB Ratio of 2.07 is 95.3% 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 Menif Financial Services and its competitors. For the Credit Services industry, the median PB Ratio is 1.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Menif Financial Services's current PB Ratio is 2.07, which is near median its own 10-year median of 1.91. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Menif Financial Services stock overvalued right now?
Based on GuruFocus' analysis, Menif Financial Services (XTAE:MNIF) is currently considered Fairly Valued. The stock's GF Value™ is ₪23.13, compared to a current price of ₪23.93 — trading 3.5% above its estimated fair value. The current PB Ratio is 2.07, which is near median its 10-year median of 1.91 and 95.3% above the Credit Services industry median of 1.06. Menif Financial Services' overall GF Score™ is 88/100 with 4 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 Menif Financial Services (XTAE:MNIF), the current PB Ratio is 2.07 as of Jul. 21, 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 Menif Financial Services (XTAE:MNIF) Overvalued in 2026?
Based on GuruFocus' analysis, Menif Financial Services stock appears to be overvalued.
The current stock price of ₪23.93 is trading 3.5% above its estimated GF Value™ of ₪23.13.
GuruFocus considers Menif Financial Services to be Fairly Valued.
Key valuation signals for XTAE:MNIF:
PB Ratio: 2.07 (near median its 10-year median of 1.91)
GF Value™: ₪23.13 vs. price of ₪23.93 (3.5% above fair value)
Industry Position: 95.3% above the Credit Services median (#397 of 526)
No single metric tells the full story. See the XTAE:MNIF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Menif Financial Services Ltd is engaged in providing mezzanine financing for equity to promoters and contractors in the construction industry. It offers financing for reinforcement and construction projects, small construction evacuation projects, and large-scale construction evacuation projects.
88GF Score
Get the complete analysis for XTAE:MNIF
PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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