General Capital (NZSE:GEN) PE Ratio without NRI: 9.17 (As of Jul. 02, 2026) — Near Median


NZSE:GEN General Capital Ltd NZSE:GEN
42 GF Score
Price NZ$0.28
GF Value NZ$0.97
Valuation Possible Value Trap
! 3 Warning Signs
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What is General Capital PE Ratio without NRI?

General Capital NZSE:GEN -1.79% 42 PE Ratio without NRI is 9.17 as of Jul. 02, 2026, which is 3% below its 10-year median of 9.48. GuruFocus rates NZSE:GEN with a GF Score™ of 42/100 and a GF Value™ of NZ$0.97 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 1,448 Banks companies, General Capital ranks better than 69.68% 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 (2026-07-02), General Capital's share price is NZ$0.275. General Capital's EPS without NRI for the trailing twelve months (TTM) ended in Mar. 2026 was NZ$0.03. Therefore, General Capital's PE Ratio without NRI for today is 9.17.

During the past 13 years, General Capital's highest PE Ratio without NRI was 162.67. The lowest was 6.15. And the median was 9.48.

General Capital's EPS without NRI for the six months ended in Mar. 2026 was NZ$0.02. Its EPS without NRI for the trailing twelve months (TTM) ended in Mar. 2026 was NZ$0.03.

As of today (2026-07-02), General Capital's share price is NZ$0.275. General Capital's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was NZ$0.03. Therefore, General Capital's PE Ratio (TTM) for today is 9.17.

During the past years, General Capital's highest PE Ratio (TTM) was 162.67. The lowest was 6.15. And the median was 9.48.

General Capital's EPS (Diluted) for the six months ended in Mar. 2026 was NZ$0.02. Its EPS (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was NZ$0.03.

General Capital's EPS (Basic) for the six months ended in Mar. 2026 was NZ$0.02. Its EPS (Basic) for the trailing twelve months (TTM) ended in Mar. 2026 was NZ$0.03.


General Capital  (NZSE:GEN) 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.

Similar to the PE Ratio or PS Ratio or Price-to-Operating-Cash-Flow or Price-to-Free-Cash-Flow , the PE Ratio without NRI measures the valuation based on the earning power of the company. This is where it is different from the PB Ratio , which measures the valuation based on the company's balance sheet.


Be Aware

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.


General Capital PE Ratio without NRI Related Terms


General Capital PE Ratio without NRI Historical Data

* Premium members only.

The historical data trend for General Capital'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.

General Capital PE Ratio without NRI Chart

General Capital Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
PE Ratio without NRI
Get a 7-Day Free Trial Premium Member Only Premium Member Only 6.32 9.03 9.10 8.39 9.33

General Capital Semi-Annual Data
Sep16 Mar17 Sep17 Mar18 Sep18 Mar19 Sep19 Mar20 Sep20 Mar21 Sep21 Mar22 Sep22 Mar23 Sep23 Mar24 Sep24 Mar25 Sep25 Mar26
PE Ratio without NRI Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 9.10 At Loss 8.39 At Loss 9.33

NZSE:GEN vs RKT, FNMA, PFSI: PE Ratio without NRI Comparison

For the Mortgage Finance subindustry, General Capital'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.


General Capital PE Ratio without NRI vs Banks Industry

For the Banks industry and Financial Services sector, General Capital's PE Ratio without NRI distribution charts can be found below:

* The bar in red indicates where General Capital's PE Ratio without NRI falls into.


NZSE:GEN
42GF Score
General Capital Ltd NZSE:GEN
PE Ratio without NRI is just one metric. See GF Score™, valuation, warning signs, and more.
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General Capital 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.

General Capital's PE Ratio without NRI for today is calculated as

PE Ratio without NRI=Share Price/ EPS without NRI
=0.275/0.030
=9.17

General Capital's Share Price of today is NZ$0.275.
For company reported semi-annually, General Capital's EPS without NRI for the trailing twelve months (TTM) ended in Mar. 2026 adds up the semi-annually data reported by the company within the most recent 12 months, which was NZ$0.03.

* 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.

Frequently Asked Questions Learn more about PE Ratio without NRI →
What does a PE Ratio without NRI of 9.17 mean?
General Capital (NZSE:GEN) has a PE Ratio without NRI of 9.17 as of Jul. 02, 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 General Capital and its competitors. This is near median its historical median of 9.48. Over the past decade, General Capital's PE Ratio without NRI has ranged from 6.15 to 162.67. According to the industry distribution chart, General Capital ranks #439 out of 1448 companies in the Banks industry, placing it in the top 30.3%.
Is General Capital's PE Ratio without NRI too high?
General Capital's current PE Ratio without NRI of 9.17 is near median its 10-year median of 9.48. Over the past 10 years, this metric has ranged from a low of 6.15 to a high of 162.67. The Banks industry median PE Ratio without NRI is 11.48. General Capital's value of 9.17 is 20.1% below this industry median. Based on the distribution chart, General Capital ranks #439 out of 1448 companies in the Banks industry, which is above the industry midpoint. 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 PE Ratio without NRI compare to RKT and FNMA?
According to the Banks industry distribution chart, General Capital ranks #439 out of 1448 companies for PE Ratio without NRI. This puts General Capital in the upper half of its industry. The industry median PE Ratio without NRI is 11.48. General Capital's value of 9.17 is 20.1% below this benchmark. Historically, General Capital's own PE Ratio without NRI has ranged from 6.15 to 162.67 over the past decade. While the company's 10-year median is 9.48 vs. the industry median of 11.48, 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 PE Ratio without NRI for a Banks company?
The median PE Ratio without NRI among Banks companies is 11.48, based on 1,448 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. General Capital's current PE Ratio without NRI of 9.17 is 20.1% 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 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 General Capital and its competitors. For the Banks industry, the median PE Ratio without NRI is 11.48 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. General Capital's current PE Ratio without NRI is 9.17, which is near median its own 10-year median of 9.48. 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$0.97, compared to a current price of NZ$0.28 — trading 71.6% below its estimated fair value. The current PE Ratio without NRI is 9.17, which is near median its 10-year median of 9.48 and 20.1% below the Banks industry median of 11.48. 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 PE Ratio without NRI calculated?
PE Ratio without NRI is calculated from a company's financial statements. For General Capital (NZSE:GEN), the current PE Ratio without NRI is 9.17 as of Jul. 02, 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$0.28 is trading 71.6% below its estimated GF Value™ of NZ$0.97. GuruFocus considers General Capital to be Possible Value Trap.

Key valuation signals for NZSE:GEN:

  • PE Ratio without NRI: 9.17 (near median its 10-year median of 9.48)
  • GF Value™: NZ$0.97 vs. price of NZ$0.28 (71.6% below fair value)
  • GF Score™: 42/100 with 3 warning signs
  • Industry Position: 20.1% below the Banks median (#439 of 1448)

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 Business Description

Address 115 Queen Street, Level 8, General Capital House, Auckland, NTL, NZL, 1010
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

PE Ratio without NRI is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

NZ$0.28
Price
NZ$0.97
GF Value