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Dhansafal FinserveBOM:512048 -5.02%58 PS Ratio is 3.82 as of Aug. 20, 2026, which is 45% below its 10-year median of 6.96. GuruFocus rates BOM:512048 with a GF Score™ of 58/100 and a GF Value™ of ₹10.97 (Possible Value Trap). The stock has 7 warning signs investors should review. Among 524 Credit Services companies, Dhansafal Finserve ranks worse than 58.97% on this metric.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, Dhansafal Finserve's share price is ₹2.27.
Dhansafal Finserve's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was ₹0.59. Hence, Dhansafal Finserve's PS Ratio for today is 3.82.
The historical rank and industry rank for Dhansafal Finserve's PS Ratio or its related term are showing as below:
BOM:512048'
s PS Ratio Range Over the Past 10 Years
Min: 2.12 Med: 6.96 Max: 39.46
Current: 3.82
During the past 13 years, Dhansafal Finserve's highest PS Ratio was 39.46. The lowest was 2.12. And the median was 6.96.
BOM:512048's PS Ratio is ranked worse than 58.97% of 524
companies
in the Credit Services industry
Industry Median: 2.92
vs BOM:512048: 3.82
During the past 12 months, the average Revenue per Share Growth Rate of Dhansafal Finserve was 90.80% per year.
During the past 3 years, the average Revenue per Share Growth Rate was 52.90% per year.
During the past 5 years, the average Revenue per Share Growth Rate was 39.30% per year.
During the past 10 years, the average Revenue per Share Growth Rate was 14.60% per year.
During the past 13 years, Dhansafal Finserve's highest 3-Year average Revenue per Share Growth Rate was 143.00% per year. The lowest was -65.60% per year. And the median was 13.50% per year.
Dhansafal Finserve (BOM:512048) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
Dhansafal Finserve PS Ratio Related Terms
Dhansafal Finserve PS Ratio Historical Data
* Premium members only.
The historical data trend for Dhansafal Finserve's PS Ratio 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 Credit Services subindustry, Dhansafal Finserve's PS Ratio, along with its competitors' market caps and PS Ratio 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.
Dhansafal Finserve PS Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Dhansafal Finserve's PS Ratio distribution charts can be found below:
* The bar in red indicates where Dhansafal Finserve's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
Dhansafal Finserve's Share Price of today is ₹2.27. Dhansafal Finserve's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹0.59.
* 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:
Dhansafal Finserve (BOM:512048) has a PS Ratio of 3.82 as of Aug. 20, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Dhansafal Finserve and its competitors. This is 45% below median its historical median of 6.96. Over the past decade, Dhansafal Finserve's PS Ratio has ranged from 2.12 to 39.46. According to the industry distribution chart, Dhansafal Finserve ranks #309 out of 524 companies in the Credit Services industry, placing it in the top 59%.
Is Dhansafal Finserve's PS Ratio too high?
Dhansafal Finserve's current PS Ratio of 3.82 is 45% below median its 10-year median of 6.96. Over the past 10 years, this metric has ranged from a low of 2.12 to a high of 39.46. The Credit Services industry median PS Ratio is 2.92. Dhansafal Finserve's value of 3.82 is 30.8% above this industry median. Based on the distribution chart, Dhansafal Finserve ranks #309 out of 524 companies in the Credit Services industry, which is below the industry midpoint. Overall, Dhansafal Finserve has a GF Score™ of 58/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Dhansafal Finserve's PS Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Dhansafal Finserve ranks #309 out of 524 companies for PS Ratio. This places Dhansafal Finserve in the lower half of its industry. The industry median PS Ratio is 2.92. Dhansafal Finserve's value of 3.82 is 30.8% above this benchmark. Historically, Dhansafal Finserve's own PS Ratio has ranged from 2.12 to 39.46 over the past decade. While the company's 10-year median is 6.96 vs. the industry median of 2.92, Dhansafal Finserve 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 PS Ratio for a Credit Services company?
The median PS Ratio among Credit Services companies is 2.92, based on 524 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Dhansafal Finserve's current PS Ratio of 3.82 is 30.8% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Dhansafal Finserve and its competitors. For the Credit Services industry, the median PS Ratio is 2.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Dhansafal Finserve's current PS Ratio is 3.82, which is 45% below median its own 10-year median of 6.96. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Dhansafal Finserve stock overvalued right now?
Based on GuruFocus' analysis, Dhansafal Finserve (BOM:512048) is currently considered Possible Value Trap. The stock's GF Value™ is ₹10.97, compared to a current price of ₹2.27 — trading 79.3% below its estimated fair value. The current PS Ratio is 3.82, which is 45% below median its 10-year median of 6.96 and 30.8% above the Credit Services industry median of 2.92. Dhansafal Finserve's overall GF Score™ is 58/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For Dhansafal Finserve (BOM:512048), the current PS Ratio is 3.82 as of Aug. 20, 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 Dhansafal Finserve (BOM:512048) Overvalued in 2026?
Based on GuruFocus' analysis, Dhansafal Finserve stock appears to be undervalued.
The current stock price of ₹2.27 is trading 79.3% below its estimated GF Value™ of ₹10.97.
GuruFocus considers Dhansafal Finserve to be Possible Value Trap.
Key valuation signals for BOM:512048:
PS Ratio: 3.82 (45% below median its 10-year median of 6.96)
GF Value™: ₹10.97 vs. price of ₹2.27 (79.3% below fair value)
Industry Position: 30.8% above the Credit Services median (#309 of 524)
No single metric tells the full story. See the BOM:512048 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Dhansafal Finserve Ltd operates as a non-banking financial company focused on providing retail and mortgage-based financial services in India. The company offers various loan products including loans against property, personal loans, auto and home loans, trade financing, and loans against shares and securities. It aims to simplify credit access, particularly in semi-urban and underserved markets, through flexible financing solutions. Revenue is generated through interest income on loans and lending services targeted at commercial, industrial, and financial clients.
58GF Score
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