IDLC FinanceDHA:IDLC +0.24%85 PEG Ratio is 1.06 as of Jul. 01, 2026, which is 1% above its 10-year median of 1.05. GuruFocus rates DHA:IDLC with a GF Score™ of 85/100 and a GF Value™ of BDT45.11 (Fairly Valued). The stock has 5 warning signs investors should review. Among 233 Credit Services companies, IDLC Finance ranks worse than 56.22% on this metric.
PE Ratio without NRI / 5-Year Book Value Growth Rate*
PEG Ratio is defined as the PE Ratio without NRI divided by the growth ratio. The growth rate we use for banks is the 5-Year Book Value growth rate. As of today, IDLC Finance's PE Ratio without NRI is 7.45. IDLC Finance's 5-Year Book Value growth rate is 7.00%. Therefore, IDLC Finance's PEG Ratio for today is 1.06.
* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for IDLC Finance's PEG Ratio or its related term are showing as below:
DHA:IDLC'
s PEG Ratio Range Over the Past 10 Years
Min: 0.66 Med: 1.05 Max: 1.55
Current: 1.06
During the past 13 years, IDLC Finance's highest PEG Ratio was 1.55. The lowest was 0.66. And the median was 1.05.
DHA:IDLC's PEG Ratio is ranked worse than 56.22% of 233
companies
in the Credit Services industry
Industry Median: 0.86
vs DHA:IDLC: 1.06
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
IDLC Finance (DHA:IDLC) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
IDLC Finance PEG Ratio Related Terms
IDLC Finance PEG Ratio Historical Data
* Premium members only.
The historical data trend for IDLC Finance's PEG Ratio can be seen below:
* 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, IDLC Finance's PEG Ratio, along with its competitors' market caps and PEG 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.
IDLC Finance PEG Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, IDLC Finance's PEG Ratio distribution charts can be found below:
* The bar in red indicates where IDLC Finance's PEG Ratio falls into.
* 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
IDLC Finance (DHA:IDLC) has a PEG Ratio of 1.06 as of Jul. 01, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on IDLC Finance and its competitors. This is near median its historical median of 1.05. Over the past decade, IDLC Finance's PEG Ratio has ranged from 0.66 to 1.55. According to the industry distribution chart, IDLC Finance ranks #131 out of 233 companies in the Credit Services industry, placing it in the top 56.2%.
Is IDLC Finance's PEG Ratio too high?
IDLC Finance's current PEG Ratio of 1.06 is near median its 10-year median of 1.05. Over the past 10 years, this metric has ranged from a low of 0.66 to a high of 1.55. The Credit Services industry median PEG Ratio is 0.86. IDLC Finance's value of 1.06 is 23.3% above this industry median. Based on the distribution chart, IDLC Finance ranks #131 out of 233 companies in the Credit Services industry, which is below the industry midpoint. Overall, IDLC Finance has a GF Score™ of 85/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does IDLC Finance's PEG Ratio compare to V and MA?
According to the Credit Services industry distribution chart, IDLC Finance ranks #131 out of 233 companies for PEG Ratio. This places IDLC Finance in the lower half of its industry. The industry median PEG Ratio is 0.86. IDLC Finance's value of 1.06 is 23.3% above this benchmark. Historically, IDLC Finance's own PEG Ratio has ranged from 0.66 to 1.55 over the past decade. While the company's 10-year median is 1.05 vs. the industry median of 0.86, IDLC Finance 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 PEG Ratio for a Credit Services company?
The median PEG Ratio among Credit Services companies is 0.86, based on 233 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. IDLC Finance's current PEG Ratio of 1.06 is 23.3% 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on IDLC Finance and its competitors. For the Credit Services industry, the median PEG Ratio is 0.86 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. IDLC Finance's current PEG Ratio is 1.06, which is near median its own 10-year median of 1.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is IDLC Finance stock overvalued right now?
Based on GuruFocus' analysis, IDLC Finance (DHA:IDLC) is currently considered Fairly Valued. The stock's GF Value™ is BDT45.11, compared to a current price of BDT41.40 — trading 8.2% below its estimated fair value. The current PEG Ratio is 1.06, which is near median its 10-year median of 1.05 and 23.3% above the Credit Services industry median of 0.86. IDLC Finance's overall GF Score™ is 85/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For IDLC Finance (DHA:IDLC), the current PEG Ratio is 1.06 as of Jul. 01, 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 IDLC Finance (DHA:IDLC) Overvalued in 2026?
Based on GuruFocus' analysis, IDLC Finance stock appears to be undervalued.
The current stock price of BDT41.40 is trading 8.2% below its estimated GF Value™ of BDT45.11.
GuruFocus considers IDLC Finance to be Fairly Valued.
Key valuation signals for DHA:IDLC:
PEG Ratio: 1.06 (near median its 10-year median of 1.05)
GF Value™: BDT45.11 vs. price of BDT41.40 (8.2% below fair value)
Industry Position: 23.3% above the Credit Services median (#131 of 233)
No single metric tells the full story. See the DHA:IDLC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
IDLC Finance PLC is a multiproduct financial institution with its presence in Corporate, SME, and Retail segments. The group provides diversified loan products to small businesses and women entrepreneurs, home loans, and loan solutions to corporate clients, including providing a green banking solution. Along with its subsidiaries, the company operates in the following segments: Core financing, Investment banking, Brokerage, and Asset Management businesses. The majority of its revenue is generated from the Core financing business segment. Geographically, it operates in Bangladesh.
85GF Score
Get the complete analysis for DHA:IDLC
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