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Abbey Mortgage BankNSA:ABBEYBANK +3.30%35 PE Ratio without NRI is 44.13 as of Jul. 21, 2026, which is 64% above its 10-year median of 26.94. GuruFocus rates NSA:ABBEYBANK with a GF Score™ of 35/100 and a GF Value™ of ₦5.61 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,449 Banks companies, Abbey Mortgage Bank ranks worse than 96.07% on this metric.
The PE Ratio without NRI, or P/E Ratio without non-recurring items, is a financial ratio used to compare a company's market price to its EPS without NRI. As of today (2026-07-21), Abbey Mortgage Bank's share price is ₦9.40.
Abbey Mortgage Bank's EPS without NRI for the trailing twelve months (TTM) ended in Dec. 2025 was ₦0.21. Therefore, Abbey Mortgage Bank's PE Ratio without NRI for today is 44.13.
During the past 10 years, Abbey Mortgage Bank's highest PE Ratio without NRI was 81.45. The lowest was 11.53. And the median was 26.94.
Abbey Mortgage Bank's EPS (Basic) for the
six
months ended in Dec. 2025 was ₦0.21.
Its EPS (Basic) for the trailing twelve months (TTM) ended in Dec. 2025 was ₦0.21.
Abbey Mortgage Bank (NSA:ABBEYBANK) PE Ratio without NRI Explanation
The PE Ratio can be viewed as the number of years it takes for the company to earn back the price you pay for the stock. For example, if a company earns $2 a share per year, and the stock is traded at $30, the PE Ratio is 15. Therefore it takes 15 years for the company to earn back the $30 you paid for its stock, assuming the earnings stays constant over the next 15 years.
In real business, earnings never stay constant. If a company can grow its earnings, it takes fewer years for the company to earn back the price you pay for the stock. If a company's earnings decline it takes more years. As a shareholder, you want the company to earn back the price you pay as soon as possible. Therefore, lower P/E stocks are more attractive than higher P/E stocks so long as the PE Ratio is positive. Also for stocks with the same PE Ratio, the one with faster growth business is more attractive.
If a company loses money, the PE Ratio becomes meaningless.
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the PE Ratio divided by the growth ratio. He thinks a company with a PE Ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a PE Ratio of 20, instead of a company growing 10% a year with a PE Ratio of 10.
Because the PE Ratio measures how long it takes to earn back the price you pay, the PE Ratio can be applied to the stocks across different industries. That is why it is the one of the most important and widely used indicators for the valuation of stocks.
Investors need to be aware that the PE Ratio can be misleading a lot of times, especially when the underlying business is cyclical and unpredictable. As Peter Lynch pointed out, cyclical businesses have higher profit margins at the peaks of the business cycles. Their earnings are high and PE Ratio s are artificially low. It is usually a bad idea to buy a cyclical business when the PE Ratio is low. A better ratio to identify the time to buy a cyclical businesses is the PS Ratio.
Abbey Mortgage Bank PE Ratio without NRI Related Terms
Abbey Mortgage Bank PE Ratio without NRI Historical Data
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The historical data trend for Abbey Mortgage Bank's PE Ratio without NRI 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.
NSA:ABBEYBANK vs PNC, USB: PE Ratio without NRI Comparison
For the Banks - Regional subindustry, Abbey Mortgage Bank's PE Ratio without NRI, along with its competitors' market caps and PE Ratio without NRI 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.
Abbey Mortgage Bank PE Ratio without NRI vs Banks Industry
For the Banks industry and Financial Services sector, Abbey Mortgage Bank's PE Ratio without NRI distribution charts can be found below:
* The bar in red indicates where Abbey Mortgage Bank's PE Ratio without NRI falls into.
Abbey Mortgage Bank PE Ratio without NRI Calculation
The PE Ratio without NRI, or P/E Ratio without non-recurring items, is a financial ratio used to compare a company's market price to its EPS without NRI. Regular PE Ratio can be affected by Non Operating Income such as the sale of part of businesses. This may increase for the current year or quarter dramatically. But it cannot be repeated over and over. Therefore PE Ratio without NRI is a more accurate indication of valuation than regular PE Ratio.
Abbey Mortgage Bank's Share Price of today is ₦9.40.
For company reported annually, GuruFocus uses latest annual data as the TTM data. Abbey Mortgage Bank's EPS without NRI for the trailing twelve months (TTM) ended in Dec. 2025 was ₦0.21.
* 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.
There are at least three kinds of PE Ratios used by different investors. They are Trailing Twelve Month PE Ratio, Forward PE Ratio, or PE Ratio without NRI. A new PE Ratio based on inflation-adjusted normalized PE Ratio is called Shiller PE Ratio, after Yale professor Robert Shiller.
In the case of PE Ratio without NRI, the reported earnings less the non-recurring items are used.
In the calculation of PE Ratio (TTM), the earnings per share used are the earnings per share over the past 12 months.
For Forward PE Ratio, the earnings are the expected earnings for the next twelve months.
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. Since it looks at the average over the last 10 years, Shiller PE Ratio is also called PE10.
Abbey Mortgage Bank (NSA:ABBEYBANK) has a PE Ratio without NRI of 44.13 as of Jul. 21, 2026. P/E without nonrecurring items is the ratio of share price to a company's earnings less one-time charges. View historical data on Abbey Mortgage Bank and its competitors. This is 64% above median its historical median of 26.94. Over the past decade, Abbey Mortgage Bank's PE Ratio without NRI has ranged from 11.53 to 81.45. According to the industry distribution chart, Abbey Mortgage Bank ranks #1392 out of 1449 companies in the Banks industry, placing it in the top 96.1%.
Is Abbey Mortgage Bank's PE Ratio without NRI too high?
Abbey Mortgage Bank's current PE Ratio without NRI of 44.13 is 64% above median its 10-year median of 26.94. Over the past 10 years, this metric has ranged from a low of 11.53 to a high of 81.45. The Banks industry median PE Ratio without NRI is 11.49. Abbey Mortgage Bank's value of 44.13 is 284.1% above this industry median. Based on the distribution chart, Abbey Mortgage Bank ranks #1392 out of 1449 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Abbey Mortgage Bank has a GF Score™ of 35/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Abbey Mortgage Bank's PE Ratio without NRI compare to PNC and USB?
According to the Banks industry distribution chart, Abbey Mortgage Bank ranks #1392 out of 1449 companies for PE Ratio without NRI. This places Abbey Mortgage Bank in the lower half of its industry. The industry median PE Ratio without NRI is 11.49. Abbey Mortgage Bank's value of 44.13 is 284.1% above this benchmark. Historically, Abbey Mortgage Bank's own PE Ratio without NRI has ranged from 11.53 to 81.45 over the past decade. While the company's 10-year median is 26.94 vs. the industry median of 11.49, Abbey Mortgage Bank 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 PE Ratio without NRI for a Banks company?
The median PE Ratio without NRI among Banks companies is 11.49, based on 1,449 companies in the industry. Companies in the top quartile (top 25%) have a PE Ratio without NRI significantly above this median, while those in the bottom quartile fall well below. However, PE Ratio without NRI should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Abbey Mortgage Bank's current PE Ratio without NRI of 44.13 is 284.1% 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 PE Ratio without NRI mean?
A high PE Ratio without NRI can signal that a stock is expensive relative to its fundamentals. P/E without nonrecurring items is the ratio of share price to a company's earnings less one-time charges. View historical data on Abbey Mortgage Bank and its competitors. For the Banks industry, the median PE Ratio without NRI is 11.49 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Abbey Mortgage Bank's current PE Ratio without NRI is 44.13, which is 64% above median its own 10-year median of 26.94. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Abbey Mortgage Bank stock overvalued right now?
Based on GuruFocus' analysis, Abbey Mortgage Bank (NSA:ABBEYBANK) is currently considered Significantly Overvalued. The stock's GF Value™ is ₦5.61, compared to a current price of ₦9.40 — trading 67.6% above its estimated fair value. The current PE Ratio without NRI is 44.13, which is 64% above median its 10-year median of 26.94 and 284.1% above the Banks industry median of 11.49. Abbey Mortgage Bank's overall GF Score™ is 35/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PE Ratio without NRI calculated?
PE Ratio without NRI is calculated from a company's financial statements. For Abbey Mortgage Bank (NSA:ABBEYBANK), the current PE Ratio without NRI is 44.13 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 Abbey Mortgage Bank (NSA:ABBEYBANK) Overvalued in 2026?
Based on GuruFocus' analysis, Abbey Mortgage Bank stock appears to be overvalued.
The current stock price of ₦9.40 is trading 67.6% above its estimated GF Value™ of ₦5.61.
GuruFocus considers Abbey Mortgage Bank to be Significantly Overvalued.
Key valuation signals for NSA:ABBEYBANK:
PE Ratio without NRI: 44.13 (64% above median its 10-year median of 26.94)
GF Value™: ₦5.61 vs. price of ₦9.40 (67.6% above fair value)
Industry Position: 284.1% above the Banks median (#1392 of 1449)
No single metric tells the full story. See the NSA:ABBEYBANK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Abbey Mortgage Bank PLC provides loan, mortgage, and banking services to corporate and individual customers. The Bank's operations are geographically divided into two segments based on its operations within northern and southern Nigeria The company offers a savings account, deposits, fund management services, personal loans, real estate and mortgage services, and construction financing, among others.
35GF Score
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PE Ratio without NRI is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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