APS BankMAL:APS +3.57%21 PE Ratio (TTM) is 14.15 as of Jul. 04, 2026, which is 23% above its 10-year median of 11.52. GuruFocus rates MAL:APS with a GF Score™ of 21/100 and a GF Value™ of €0.61 (Fairly Valued). The stock has 7 warning signs investors should review. Among 1,445 Banks companies, APS Bank ranks worse than 64.91% on this metric.
The PE Ratio (TTM), or Price-to-Earnings ratio, or P/E Ratio, is a financial ratio used to compare a company's market price to its Earnings per Share (Diluted). As of today (2026-07-04), APS Bank's share price is
€0.58.
APS Bank's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was €0.04. Therefore, APS Bank's PE Ratio (TTM) for today is 14.15.
Warning Sign:
APS Bank Ltd stock PE Ratio (=13.9) is close to 2-year high of 14.15.
The historical rank and industry rank for APS Bank's PE Ratio (TTM) or its related term are showing as below:
MAL:APS'
s PE Ratio (TTM) Range Over the Past 10 Years
Min: 9.27 Med: 11.52 Max: 25.2
Current: 13.65
During the past 5 years, the highest PE Ratio (TTM) of APS Bank was 25.20. The lowest was 9.27. And the median was 11.52.
MAL:APS's PE Ratio (TTM) is ranked worse than 64.91% of 1445
companies
in the Banks industry
Industry Median: 11.73
vs MAL:APS: 13.65
As of today (2026-07-04), APS Bank's share price is €0.58.
APS Bank's EPS without NRI for the trailing twelve months (TTM) ended in Dec. 2025 was €0.04. Therefore, APS Bank's PE Ratio without NRI for today is 14.15.
During the past 5 years, APS Bank's highestPE Ratio without NRI was 25.20. The lowest was 9.27. And the median was 13.61.
APS Bank's EPS without NRI for the
six
months ended in Dec. 2025 was €0.03.
Its EPS without NRI for the trailing twelve months (TTM) ended in Dec. 2025 was €0.04.
During the past 12 months, APS Bank's average EPS without NRIGrowth Rate was 13.90% per year.
During the past 3 years, the average EPS without NRIGrowth Rate was 17.90% per year.
During the past 5 years, APS Bank's highest 3-Year average EPS without NRI Growth Rate was 17.90% per year. The lowest was -14.70% per year. And the median was 1.60% per year.
APS Bank's EPS (Basic) for the
six
months ended in Dec. 2025 was €0.03.
Its EPS (Basic) for the trailing twelve months (TTM) ended in Dec. 2025 was €0.04.
APS Bank (MAL:APS) PE Ratio (TTM) Explanation
The PE Ratio (TTM) 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 (TTM) 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 (TTM) is positive. Also for stocks with the same PE Ratio (TTM), the one with faster growth business is more attractive.
If a company loses money, the PE Ratio (TTM) 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 (TTM) divided by the growth ratio. He thinks a company with a PE Ratio (TTM) 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 (TTM) of 20, instead of a company growing 10% a year with a PE Ratio (TTM) of 10.
Because the PE Ratio (TTM) measures how long it takes to earn back the price you pay, the PE Ratio (TTM) 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 (TTM) 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 (TTM)s are artificially low. It is usually a bad idea to buy a cyclical business when the PE Ratio (TTM) is low. A better ratio to identify the time to buy a cyclical businesses is the PS Ratio .
PE Ratio (TTM) can also be affected by non-recurring-items 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 PE Ratio (TTM).
APS Bank PE Ratio (TTM) Related Terms
APS Bank PE Ratio (TTM) Historical Data
* Premium members only.
The historical data trend for APS Bank's PE Ratio (TTM) 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 Banks - Regional subindustry, APS Bank's PE Ratio (TTM), along with its competitors' market caps and PE Ratio (TTM) 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.
APS Bank PE Ratio (TTM) vs Banks Industry
For the Banks industry and Financial Services sector, APS Bank's PE Ratio (TTM) distribution charts can be found below:
* The bar in red indicates where APS Bank's PE Ratio (TTM) falls into.
The PE Ratio (TTM), or Price-to-Earnings ratio, or P/E Ratio, is a financial ratio used to compare a company's market price to its Earnings per Share (Diluted). It is the most widely used ratio in the valuation of stocks.
APS Bank's PE Ratio (TTM) for today is calculated as
APS Bank's Share Price of today is €0.58.
For company reported semi-annually, APS Bank's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 adds up the semi-annually data reported by the company within the most recent 12 months, which was €0.04.
* 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.
It can also be calculated from the numbers for the whole company:
There are at least three kinds of PE Ratio (TTM)s used by different investors. They are Trailing Twelve Month PE Ratio (TTM) or PE Ratio (TTM) (TTM), Forward PE Ratio, or PE Ratio without NRI. A new PE Ratio (TTM) based on inflation-adjusted normalized PE Ratio (TTM) is called Shiller PE Ratio, after Yale professor Robert Shiller.
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. In the case of PE Ratio without NRI, the reported earnings less the non-recurring items are used.
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.
APS Bank (MAL:APS) has a PE Ratio (TTM) of 14.15 as of Jul. 04, 2026. Trailing 12-month P/E ratio is the ratio of share price to a company's trailing 12-month earnings per share. View historical data on APS Bank and its competitors. This is 23% above median its historical median of 11.52. Over the past decade, APS Bank's PE Ratio (TTM) has ranged from 9.27 to 25.20. According to the industry distribution chart, APS Bank ranks #938 out of 1445 companies in the Banks industry, placing it in the top 64.9%.
Is APS Bank's PE Ratio (TTM) too high?
APS Bank's current PE Ratio (TTM) of 14.15 is 23% above median its 10-year median of 11.52. Over the past 10 years, this metric has ranged from a low of 9.27 to a high of 25.20. The Banks industry median PE Ratio (TTM) is 11.73. APS Bank's value of 14.15 is 20.6% above this industry median. Based on the distribution chart, APS Bank ranks #938 out of 1445 companies in the Banks industry, which is below the industry midpoint. Overall, APS Bank has a GF Score™ of 21/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does APS Bank's PE Ratio (TTM) compare to PNC and USB?
According to the Banks industry distribution chart, APS Bank ranks #938 out of 1445 companies for PE Ratio (TTM). This places APS Bank in the lower half of its industry. The industry median PE Ratio (TTM) is 11.73. APS Bank's value of 14.15 is 20.6% above this benchmark. Historically, APS Bank's own PE Ratio (TTM) has ranged from 9.27 to 25.20 over the past decade. While the company's 10-year median is 11.52 vs. the industry median of 11.73, APS 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 (TTM) for a Banks company?
The median PE Ratio (TTM) among Banks companies is 11.73, based on 1,445 companies in the industry. Companies in the top quartile (top 25%) have a PE Ratio (TTM) significantly above this median, while those in the bottom quartile fall well below. However, PE Ratio (TTM) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. APS Bank's current PE Ratio (TTM) of 14.15 is 20.6% 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 (TTM) mean?
A high PE Ratio (TTM) can signal that a stock is expensive relative to its fundamentals. Trailing 12-month P/E ratio is the ratio of share price to a company's trailing 12-month earnings per share. View historical data on APS Bank and its competitors. For the Banks industry, the median PE Ratio (TTM) is 11.73 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. APS Bank's current PE Ratio (TTM) is 14.15, which is 23% above median its own 10-year median of 11.52. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is APS Bank stock overvalued right now?
Based on GuruFocus' analysis, APS Bank (MAL:APS) is currently considered Fairly Valued. The stock's GF Value™ is €0.61, compared to a current price of €0.58 — trading 4.9% below its estimated fair value. The current PE Ratio (TTM) is 14.15, which is 23% above median its 10-year median of 11.52 and 20.6% above the Banks industry median of 11.73. APS Bank's overall GF Score™ is 21/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PE Ratio (TTM) calculated?
PE Ratio (TTM) is calculated from a company's financial statements. For APS Bank (MAL:APS), the current PE Ratio (TTM) is 14.15 as of Jul. 04, 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 APS Bank (MAL:APS) Overvalued in 2026?
Based on GuruFocus' analysis, APS Bank stock appears to be undervalued.
The current stock price of €0.58 is trading 4.9% below its estimated GF Value™ of €0.61.
GuruFocus considers APS Bank to be Fairly Valued.
Key valuation signals for MAL:APS:
PE Ratio (TTM): 14.15 (23% above median its 10-year median of 11.52)
GF Value™: €0.61 vs. price of €0.58 (4.9% below fair value)
Industry Position: 20.6% above the Banks median (#938 of 1445)
No single metric tells the full story. See the MAL:APS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
APS Bank Ltd offers various personal banking and other financial products and services, including savings accounts, insurance and investment products, home loans, and personal loans, among others. It also caters to the banking needs of corporate customers. The company, along with its subsidiaries, operates in four reportable segments: Retail, Commercial, Investment Services, and Liquidity Management and Structured Loans. Maximum revenue is generated from the Retail segment, which offers various products and services to meet the personal banking needs of individual customers. This includes home loans, personal loans, overdraft facilities, deposit products, and other general banking activities.
21GF Score
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PE Ratio (TTM) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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