Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
India Home LoanBOM:530979 -1.40%61 PS Ratio is 3.02 as of Aug. 19, 2026, which is 0% below its 10-year median of 3.03. GuruFocus rates BOM:530979 with a GF Score™ of 61/100 and a GF Value™ of ₹35.17 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 1,514 Banks companies, India Home Loan ranks better than 51.85% 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, India Home Loan's share price is ₹31.73.
India Home Loan's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was ₹10.52. Hence, India Home Loan's PS Ratio for today is 3.02.
Good Sign:
India Home Loan Ltd stock PS Ratio (=2.95) is close to 2-year low of 2.7.
The historical rank and industry rank for India Home Loan's PS Ratio or its related term are showing as below:
BOM:530979'
s PS Ratio Range Over the Past 10 Years
Min: 1.48 Med: 3.03 Max: 32.11
Current: 3.02
During the past 13 years, India Home Loan's highest PS Ratio was 32.11. The lowest was 1.48. And the median was 3.03.
BOM:530979's PS Ratio is ranked better than 51.85% of 1514
companies
in the Banks industry
Industry Median: 3.1
vs BOM:530979: 3.02
India Home Loan Ltd revenue per share has been in decline for the last 5 years.
During the past 12 months, the average Revenue per Share Growth Rate of India Home Loan was 13.40% per year.
During the past 3 years, the average Revenue per Share Growth Rate was -11.40% per year.
During the past 5 years, the average Revenue per Share Growth Rate was -16.70% per year.
During the past 10 years, the average Revenue per Share Growth Rate was 6.40% per year.
During the past 13 years, India Home Loan's highest 3-Year average Revenue per Share Growth Rate was 81.80% per year. The lowest was -26.80% per year. And the median was 22.80% per year.
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.
India Home Loan PS Ratio Related Terms
India Home Loan PS Ratio Historical Data
* Premium members only.
The historical data trend for India Home Loan'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.
BOM:530979 vs RKT, FNMA, PFSI: PS Ratio Comparison
For the Mortgage Finance subindustry, India Home Loan'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.
India Home Loan PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, India Home Loan's PS Ratio distribution charts can be found below:
* The bar in red indicates where India Home Loan'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.
India Home Loan's Share Price of today is ₹31.73. India Home Loan'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 ₹10.52.
* 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:
India Home Loan (BOM:530979) has a PS Ratio of 3.02 as of Aug. 19, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on India Home Loan and its competitors. This is near median its historical median of 3.03. Over the past decade, India Home Loan's PS Ratio has ranged from 1.48 to 32.11. According to the industry distribution chart, India Home Loan ranks #729 out of 1514 companies in the Banks industry, placing it in the top 48.2%.
Is India Home Loan's PS Ratio too high?
India Home Loan's current PS Ratio of 3.02 is near median its 10-year median of 3.03. Over the past 10 years, this metric has ranged from a low of 1.48 to a high of 32.11. The Banks industry median PS Ratio is 3.10. India Home Loan's value of 3.02 is 2.6% below this industry median. Based on the distribution chart, India Home Loan ranks #729 out of 1514 companies in the Banks industry, which is above the industry midpoint. Overall, India Home Loan has a GF Score™ of 61/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does India Home Loan's PS Ratio compare to RKT and FNMA?
According to the Banks industry distribution chart, India Home Loan ranks #729 out of 1514 companies for PS Ratio. This puts India Home Loan in the upper half of its industry. The industry median PS Ratio is 3.10. India Home Loan's value of 3.02 is 2.6% below this benchmark. Historically, India Home Loan's own PS Ratio has ranged from 1.48 to 32.11 over the past decade. While the company's 10-year median is 3.03 vs. the industry median of 3.10, India Home Loan 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 PS Ratio for a Banks company?
The median PS Ratio among Banks companies is 3.10, based on 1,514 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. India Home Loan's current PS Ratio of 3.02 is 2.6% 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 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 India Home Loan and its competitors. For the Banks industry, the median PS Ratio is 3.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. India Home Loan's current PS Ratio is 3.02, which is near median its own 10-year median of 3.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is India Home Loan stock overvalued right now?
Based on GuruFocus' analysis, India Home Loan (BOM:530979) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹35.17, compared to a current price of ₹31.73 — trading 9.8% below its estimated fair value. The current PS Ratio is 3.02, which is near median its 10-year median of 3.03 and 2.6% below the Banks industry median of 3.10. India Home Loan's overall GF Score™ is 61/100 with 5 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 India Home Loan (BOM:530979), the current PS Ratio is 3.02 as of Aug. 19, 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 India Home Loan (BOM:530979) Overvalued in 2026?
Based on GuruFocus' analysis, India Home Loan stock appears to be undervalued.
The current stock price of ₹31.73 is trading 9.8% below its estimated GF Value™ of ₹35.17.
GuruFocus considers India Home Loan to be Modestly Undervalued.
Key valuation signals for BOM:530979:
PS Ratio: 3.02 (near median its 10-year median of 3.03)
GF Value™: ₹35.17 vs. price of ₹31.73 (9.8% below fair value)
Industry Position: 2.6% below the Banks median (#729 of 1514)
No single metric tells the full story. See the BOM:530979 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
India Home Loan Ltd is a Non-deposit accepting Housing Finance Company. The company offers retail home loan products for affordable housing segments. Under this product, loans are offered to the customers for Purchase of home, home improvement, home extension and for construction of a dwelling unit on an owned plot of land. It specializes on loans to families in the self-employed category where formal income proofs aren't easily available and their repayment capacity is appraised based on their cash flows.
61GF Score
Get the complete analysis for BOM:530979
PS Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BOM:530979 has been successfully added to your 
