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Republic Bank (Ghana)XGHA:RBGH 42 PE Ratio (TTM) is 12.55 as of Jul. 23, 2026, which is 118% above its 10-year median of 5.77. GuruFocus rates XGHA:RBGH with a GF Score™ of 42/100 and a GF Value™ of GHS1.08 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 1,443 Banks companies, Republic Bank (Ghana) ranks worse than 55.72% 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 (2026-07-23), Republic Bank (Ghana)'s share price is
GHS4.08.
Republic Bank (Ghana)'s Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was GHS0.33. Therefore, Republic Bank (Ghana)'s PE Ratio (TTM) for today is 12.55.
The historical rank and industry rank for Republic Bank (Ghana)'s PE Ratio (TTM) or its related term are showing as below:
XGHA:RBGH'
s PE Ratio (TTM) Range Over the Past 10 Years
Min: 2.53 Med: 5.77 Max: 33.95
Current: 12.55
During the past 13 years, the highest PE Ratio (TTM) of Republic Bank (Ghana) was 33.95. The lowest was 2.53. And the median was 5.77.
XGHA:RBGH's PE Ratio (TTM) is ranked worse than 55.72% of 1443
companies
in the Banks industry
Industry Median: 11.8
vs XGHA:RBGH: 12.55
During the past 13 years, Republic Bank (Ghana)'s highest 3-Year average EPS without NRI Growth Rate was 50.30% per year. The lowest was -13.70% per year. And the median was 33.85% per year.
Republic Bank (Ghana)'s EPS (Basic) for the
three
months ended in Dec. 2025 was GHS0.10.
Its EPS (Basic) for the trailing twelve months (TTM) ended in Dec. 2025 was GHS0.33.
Republic Bank (Ghana) (XGHA:RBGH) 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).
Republic Bank (Ghana) PE Ratio (TTM) Related Terms
Republic Bank (Ghana) PE Ratio (TTM) Historical Data
* Premium members only.
The historical data trend for Republic Bank (Ghana)'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, Republic Bank (Ghana)'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.
Republic Bank (Ghana) PE Ratio (TTM) vs Banks Industry
For the Banks industry and Financial Services sector, Republic Bank (Ghana)'s PE Ratio (TTM) distribution charts can be found below:
* The bar in red indicates where Republic Bank (Ghana)'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.
Republic Bank (Ghana)'s Share Price of today is GHS4.08.
Republic Bank (Ghana)'s Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was GHS0.33.
* 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.
Republic Bank (Ghana) (XGHA:RBGH) has a PE Ratio (TTM) of 12.55 as of Jul. 23, 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 Republic Bank (Ghana) and its competitors. This is 118% above median its historical median of 5.77. Over the past decade, Republic Bank (Ghana)'s PE Ratio (TTM) has ranged from 2.53 to 33.95. According to the industry distribution chart, Republic Bank (Ghana) ranks #804 out of 1443 companies in the Banks industry, placing it in the top 55.7%.
Is Republic Bank (Ghana)'s PE Ratio (TTM) too high?
Republic Bank (Ghana)'s current PE Ratio (TTM) of 12.55 is 118% above median its 10-year median of 5.77. Over the past 10 years, this metric has ranged from a low of 2.53 to a high of 33.95. The Banks industry median PE Ratio (TTM) is 11.80. Republic Bank (Ghana)'s value of 12.55 is 6.4% above this industry median. Based on the distribution chart, Republic Bank (Ghana) ranks #804 out of 1443 companies in the Banks industry, which is below the industry midpoint. Overall, Republic Bank (Ghana) has a GF Score™ of 42/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Republic Bank (Ghana)'s PE Ratio (TTM) compare to PNC?
According to the Banks industry distribution chart, Republic Bank (Ghana) ranks #804 out of 1443 companies for PE Ratio (TTM). This places Republic Bank (Ghana) in the lower half of its industry. The industry median PE Ratio (TTM) is 11.80. Republic Bank (Ghana)'s value of 12.55 is 6.4% above this benchmark. Historically, Republic Bank (Ghana)'s own PE Ratio (TTM) has ranged from 2.53 to 33.95 over the past decade. While the company's 10-year median is 5.77 vs. the industry median of 11.80, Republic Bank (Ghana) 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 11.80, based on 1,443 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. Republic Bank (Ghana)'s current PE Ratio (TTM) of 12.55 is 6.4% 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 Republic Bank (Ghana) and its competitors. For the Banks industry, the median PE Ratio (TTM) is 11.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Republic Bank (Ghana)'s current PE Ratio (TTM) is 12.55, which is 118% above median its own 10-year median of 5.77. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Republic Bank (Ghana) stock overvalued right now?
Based on GuruFocus' analysis, Republic Bank (Ghana) (XGHA:RBGH) is currently considered Significantly Overvalued. The stock's GF Value™ is GHS1.08, compared to a current price of GHS4.08 — trading 277.8% above its estimated fair value. The current PE Ratio (TTM) is 12.55, which is 118% above median its 10-year median of 5.77 and 6.4% above the Banks industry median of 11.80. Republic Bank (Ghana)'s overall GF Score™ is 42/100 with 1 warning sign 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 Republic Bank (Ghana) (XGHA:RBGH), the current PE Ratio (TTM) is 12.55 as of Jul. 23, 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 Bank (Ghana) (XGHA:RBGH) Overvalued in 2026?
Based on GuruFocus' analysis, Republic Bank (Ghana) stock appears to be overvalued.
The current stock price of GHS4.08 is trading 277.8% above its estimated GF Value™ of GHS1.08.
GuruFocus considers Republic Bank (Ghana) to be Significantly Overvalued.
Key valuation signals for XGHA:RBGH:
PE Ratio (TTM): 12.55 (118% above median its 10-year median of 5.77)
GF Value™: GHS1.08 vs. price of GHS4.08 (277.8% above fair value)
Industry Position: 6.4% above the Banks median (#804 of 1443)
No single metric tells the full story. See the XGHA:RBGH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Republic Bank (Ghana) PLC is engaged in investment banking, corporate banking, retail banking, mortgage banking, asset management services, and property management and development. The Group operates through four reporting segments: retail banking, which incorporates private banking services, private customer current accounts, savings, deposits, investment savings products, custody, credit, and consumer loans; mortgage banking, which incorporates mortgage services; corporate banking, which generates maximum revenue and incorporates direct debit facilities, current accounts, deposits, overdrafts, loans, and foreign currency; and microfinance banking, which incorporates savings accounts, deposits, loans, and other credit facilities.
42GF Score
Get the complete analysis for XGHA:RBGH
PE Ratio (TTM) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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