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The historical rank and industry rank for Makati Finance's Price-to-Tangible-Book or its related term are showing as below:
PHS:MFIN'
s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.66 Med: 1.16 Max: 1.6
Current: 1.06
During the past 13 years, Makati Finance's highest Price to Tangible Book Ratio was 1.60. The lowest was 0.66. And the median was 1.16.
PHS:MFIN's Price-to-Tangible-Book is ranked better than 51.76% of 510
companies
in the Credit Services industry
Industry Median: 1.11
vs PHS:MFIN: 1.06
Some businesses have very light assets, such as software companies or insurance agencies. The Price-to-Book Ratio does not work well for these companies. Some companies even have negative equity, so the Price-to-Book Ratio cannot be applied to them.
Makati Finance Price-to-Tangible-Book Related Terms
Makati Finance Price-to-Tangible-Book Historical Data
* Premium members only.
The historical data trend for Makati Finance's Price-to-Tangible-Book 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.
PHS:MFIN vs V, MA, AXP: Price-to-Tangible-Book Comparison
For the Credit Services subindustry, Makati Finance's Price-to-Tangible-Book, along with its competitors' market caps and Price-to-Tangible-Book 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.
Makati Finance Price-to-Tangible-Book vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Makati Finance's Price-to-Tangible-Book distribution charts can be found below:
* The bar in red indicates where Makati Finance's Price-to-Tangible-Book 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called PB Ratio. The difference between Price-to-Tangible-Book Ratio and PB Ratio is that book value other than intangibles are used in the calculation.
Makati Finance (PHS:MFIN) has a Price-to-Tangible-Book of 1.06 as of Aug. 31, 2026. Price-to-tangible-book ratio is the ratio of share price to a company's tangible book value per share. View historical data on Makati Finance and its competitors. According to the industry distribution chart, Makati Finance ranks #246 out of 510 companies in the Credit Services industry, placing it in the top 48.2%.
Is Makati Finance's Price-to-Tangible-Book too high?
Makati Finance's current Price-to-Tangible-Book is 1.06. The Credit Services industry median Price-to-Tangible-Book is 1.11. Makati Finance's value of 1.06 is 4.5% below this industry median. Based on the distribution chart, Makati Finance ranks #246 out of 510 companies in the Credit Services industry, which is above the industry midpoint. Overall, Makati Finance has a GF Score™ of 57/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Makati Finance's Price-to-Tangible-Book compare to V and MA?
According to the Credit Services industry distribution chart, Makati Finance ranks #246 out of 510 companies for Price-to-Tangible-Book. This puts Makati Finance in the upper half of its industry. The industry median Price-to-Tangible-Book is 1.11. Makati Finance's value of 1.06 is 4.5% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Price-to-Tangible-Book for a Credit Services company?
The median Price-to-Tangible-Book among Credit Services companies is 1.11, based on 510 companies in the industry. Companies in the top quartile (top 25%) have a Price-to-Tangible-Book significantly above this median, while those in the bottom quartile fall well below. However, Price-to-Tangible-Book should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Makati Finance's current Price-to-Tangible-Book of 1.06 is 4.5% 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 Price-to-Tangible-Book mean?
A high Price-to-Tangible-Book can signal that a stock is expensive relative to its fundamentals. Price-to-tangible-book ratio is the ratio of share price to a company's tangible book value per share. View historical data on Makati Finance and its competitors. For the Credit Services industry, the median Price-to-Tangible-Book is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Makati Finance's current Price-to-Tangible-Book is 1.06. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Makati Finance stock overvalued right now?
Based on GuruFocus' analysis, Makati Finance (PHS:MFIN) is currently considered Modestly Overvalued. The stock's GF Value™ is ₱1.59, compared to a current price of ₱2.04 — trading 28.3% above its estimated fair value. The current Price-to-Tangible-Book is 1.06 and 4.5% below the Credit Services industry median of 1.11. Makati Finance's overall GF Score™ is 57/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Price-to-Tangible-Book calculated?
Price-to-Tangible-Book is calculated from a company's financial statements. For Makati Finance (PHS:MFIN), the current Price-to-Tangible-Book is 1.06 as of Aug. 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 Makati Finance (PHS:MFIN) Overvalued in 2026?
Based on GuruFocus' analysis, Makati Finance stock appears to be overvalued.
The current stock price of ₱2.04 is trading 28.3% above its estimated GF Value™ of ₱1.59.
GuruFocus considers Makati Finance to be Modestly Overvalued.
Key valuation signals for PHS:MFIN:
Price-to-Tangible-Book: 1.06
GF Value™: ₱1.59 vs. price of ₱2.04 (28.3% above fair value)
Industry Position: 4.5% below the Credit Services median (#246 of 510)
No single metric tells the full story. See the PHS:MFIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Makati Finance Corp provides financial services and advisory to its clients. It is engaged in stock dealership functions, credit line extensions, and acceptance of private placements. It has expanded its product lines from its traditional Rx Cashline, MFC Factors (receivables financing) Business Loans; Motorcycle Financing to include new financial products lines recently introduced by the company namely: corporate salary loans; personal loans; micro business loans; pension loans; car loans and leisure bikes financing. Its segments include Rx Cashline Group; Business Loans, Motor Vehicles Financing Group, Car Loans, and Other Segments. It derives revenue from Business Loans which grants loans to finance business owners who wish to expand its business or for the purpose of starting capital.
57GF Score
Get the complete analysis for PHS:MFIN
Price-to-Tangible-Book is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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