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.
Republic Financial HolTRN:RFHL +0.05%87 PEG Ratio is 1.06 as of Jul. 31, 2026, which is 31% below its 10-year median of 1.53. GuruFocus rates TRN:RFHL with a GF Score™ of 87/100 and a GF Value™ of TTD128.50 (Modestly Undervalued). Among 1,231 Banks companies, Republic Financial Hol ranks better than 65.56% on this metric.
PE Ratio without NRI / 5-Year Book Value Growth Rate*
* 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 Republic Financial Hol's PEG Ratio or its related term are showing as below:
TRN:RFHL'
s PEG Ratio Range Over the Past 10 Years
Min: 1.01 Med: 1.53 Max: 2.92
Current: 1.06
During the past 9 years, Republic Financial Hol's highest PEG Ratio was 2.92. The lowest was 1.01. And the median was 1.53.
TRN:RFHL's PEG Ratio is ranked better than 65.56% of 1231
companies
in the Banks industry
Industry Median: 1.56
vs TRN:RFHL: 1.06
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
Republic Financial Hol (TRN:RFHL) 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.
* 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 Banks - Regional subindustry, Republic Financial Hol'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.
Republic Financial Hol PEG Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Republic Financial Hol's PEG Ratio distribution charts can be found below:
* The bar in red indicates where Republic Financial Hol'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.
Republic Financial Hol (TRN:RFHL) has a PEG Ratio of 1.06 as of Jul. 31, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Republic Financial Hol and its competitors. This is 31% below median its historical median of 1.53. Over the past decade, Republic Financial Hol's PEG Ratio has ranged from 1.01 to 2.92. According to the industry distribution chart, Republic Financial Hol ranks #424 out of 1231 companies in the Banks industry, placing it in the top 34.4%.
Is Republic Financial Hol's PEG Ratio too high?
Republic Financial Hol's current PEG Ratio of 1.06 is 31% below median its 10-year median of 1.53. Over the past 10 years, this metric has ranged from a low of 1.01 to a high of 2.92. The Banks industry median PEG Ratio is 1.56. Republic Financial Hol's value of 1.06 is 32.1% below this industry median. Based on the distribution chart, Republic Financial Hol ranks #424 out of 1231 companies in the Banks industry, which is above the industry midpoint. Overall, Republic Financial Hol has a GF Score™ of 87/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Republic Financial Hol's PEG Ratio compare to PNC and USB?
According to the Banks industry distribution chart, Republic Financial Hol ranks #424 out of 1231 companies for PEG Ratio. This puts Republic Financial Hol in the upper half of its industry. The industry median PEG Ratio is 1.56. Republic Financial Hol's value of 1.06 is 32.1% below this benchmark. Historically, Republic Financial Hol's own PEG Ratio has ranged from 1.01 to 2.92 over the past decade. While the company's 10-year median is 1.53 vs. the industry median of 1.56, Republic Financial Hol 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 1.56, 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. Republic Financial Hol's current PEG Ratio of 1.06 is 32.1% 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 Republic Financial Hol and its competitors. For the Banks industry, the median PEG Ratio is 1.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Republic Financial Hol's current PEG Ratio is 1.06, which is 31% below median its own 10-year median of 1.53. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Republic Financial Hol stock overvalued right now?
Based on GuruFocus' analysis, Republic Financial Hol (TRN:RFHL) is currently considered Modestly Undervalued. The stock's GF Value™ is TTD128.50, compared to a current price of TTD109.35 — trading 14.9% below its estimated fair value. The current PEG Ratio is 1.06, which is 31% below median its 10-year median of 1.53 and 32.1% below the Banks industry median of 1.56. Republic Financial Hol's overall GF Score™ is 87/100. 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 Republic Financial Hol (TRN:RFHL), the current PEG Ratio is 1.06 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.
Is Republic Financial Hol (TRN:RFHL) Overvalued in 2026?
Based on GuruFocus' analysis, Republic Financial Hol stock appears to be undervalued.
The current stock price of TTD109.35 is trading 14.9% below its estimated GF Value™ of TTD128.50.
GuruFocus considers Republic Financial Hol to be Modestly Undervalued.
Key valuation signals for TRN:RFHL:
PEG Ratio: 1.06 (31% below median its 10-year median of 1.53)
GF Value™: TTD128.50 vs. price of TTD109.35 (14.9% below fair value)
Industry Position: 32.1% below the Banks median (#424 of 1231)
No single metric tells the full story. See the TRN:RFHL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Republic Financial Hol Ltd is a financial services group comprising several subsidiaries and associated companies. The company is engaged in providing a wide range of banking, financial, and related services to retail and commercial banking customers, corporate clients, and governments. It operates in two segments: retail and commercial banking, which generates maximum revenue, and other financial services. The company operates in the following geographical segments: Trinidad & Tobago, Barbados, Suriname, Eastern Caribbean, Guyana, Ghana, Cayman Islands, and the British Virgin Islands. It derives key revenue from its operations in Trinidad & Tobago.
87GF Score
Get the complete analysis for TRN:RFHL
PEG 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
TRN:RFHL has been successfully added to your 
