General CapitalNZSE:GEN +5.45%42 PEG Ratio is 0.42 as of Jul. 05, 2026, which is 62% above its 10-year median of 0.26. GuruFocus rates NZSE:GEN with a GF Score™ of 42/100 and a GF Value™ of NZ$0.98 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 1,231 Banks companies, General Capital ranks better than 90.66% on this metric.
* The 5-Year EBITDA Growth Rate is the 5-year average EBITDA 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 General Capital's PEG Ratio or its related term are showing as below:
NZSE:GEN'
s PEG Ratio Range Over the Past 10 Years
Min: 0.1 Med: 0.26 Max: 0.42
Current: 0.42
During the past 13 years, General Capital's highest PEG Ratio was 0.42. The lowest was 0.10. And the median was 0.26.
NZSE:GEN's PEG Ratio is ranked better than 90.66% of 1231
companies
in the Banks industry
Industry Median: 1.54
vs NZSE:GEN: 0.42
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
General Capital (NZSE:GEN) 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.
General Capital PEG Ratio Related Terms
General Capital PEG Ratio Historical Data
* Premium members only.
The historical data trend for General Capital'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 Mortgage Finance subindustry, General Capital'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.
General Capital PEG Ratio vs Banks Industry
For the Banks industry and Financial Services sector, General Capital's PEG Ratio distribution charts can be found below:
* The bar in red indicates where General Capital'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 EBITDA Growth Rate is the 5-year average EBITDA 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.
General Capital (NZSE:GEN) has a PEG Ratio of 0.42 as of Jul. 05, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on General Capital and its competitors. This is 62% above median its historical median of 0.26. Over the past decade, General Capital's PEG Ratio has ranged from 0.10 to 0.42. According to the industry distribution chart, General Capital ranks #115 out of 1231 companies in the Banks industry, placing it in the top 9.3%.
Is General Capital's PEG Ratio too high?
General Capital's current PEG Ratio of 0.42 is 62% above median its 10-year median of 0.26. Over the past 10 years, this metric has ranged from a low of 0.10 to a high of 0.42. The Banks industry median PEG Ratio is 1.54. General Capital's value of 0.42 is 72.7% below this industry median. Based on the distribution chart, General Capital ranks #115 out of 1231 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, General Capital has a GF Score™ of 42/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does General Capital's PEG Ratio compare to RKT and FNMA?
According to the Banks industry distribution chart, General Capital ranks #115 out of 1231 companies for PEG Ratio. This places General Capital in the top 9% of its industry — outperforming the majority of peers. The industry median PEG Ratio is 1.54. General Capital's value of 0.42 is 72.7% below this benchmark. Historically, General Capital's own PEG Ratio has ranged from 0.10 to 0.42 over the past decade. While the company's 10-year median is 0.26 vs. the industry median of 1.54, General Capital 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 PEG Ratio for a Banks company?
The median PEG Ratio among Banks companies is 1.54, based on 1,231 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. General Capital's current PEG Ratio of 0.42 is 72.7% 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 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 General Capital and its competitors. For the Banks industry, the median PEG Ratio is 1.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. General Capital's current PEG Ratio is 0.42, which is 62% above median its own 10-year median of 0.26. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is General Capital stock overvalued right now?
Based on GuruFocus' analysis, General Capital (NZSE:GEN) is currently considered Possible Value Trap. The stock's GF Value™ is NZ$0.98, compared to a current price of NZ$0.29 — trading 70.4% below its estimated fair value. The current PEG Ratio is 0.42, which is 62% above median its 10-year median of 0.26 and 72.7% below the Banks industry median of 1.54. General Capital's overall GF Score™ is 42/100 with 3 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 General Capital (NZSE:GEN), the current PEG Ratio is 0.42 as of Jul. 05, 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 General Capital (NZSE:GEN) Overvalued in 2026?
Based on GuruFocus' analysis, General Capital stock appears to be undervalued.
The current stock price of NZ$0.29 is trading 70.4% below its estimated GF Value™ of NZ$0.98.
GuruFocus considers General Capital to be Possible Value Trap.
Key valuation signals for NZSE:GEN:
PEG Ratio: 0.42 (62% above median its 10-year median of 0.26)
GF Value™: NZ$0.98 vs. price of NZ$0.29 (70.4% below fair value)
Industry Position: 72.7% below the Banks median (#115 of 1231)
No single metric tells the full story. See the NZSE:GEN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
General Capital Ltd through its subsidiaries engaged in providing financial services. The company accepts deposits and also lends funds to borrowers over residential property. It operates through three segments: Finance: Deposit taking and property mortgage lending, and insurance premium funding, Research and Advisory: Provides investment advisory services and produces and sells investment research and publications. Corporate and Other: Corporate function and investment activities. The Finance segment generates the majority of revenue for the company.
42GF Score
Get the complete analysis for NZSE:GEN
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