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Sangam FinservBOM:538714 -4.78%56 PS Ratio is 16.27 as of Aug. 16, 2026, which is 246% above its 10-year median of 4.70. GuruFocus rates BOM:538714 with a GF Score™ of 56/100 and a GF Value™ of ₹21.31 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 523 Credit Services companies, Sangam Finserv ranks worse than 87.38% 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, Sangam Finserv's share price is ₹42.85.
Sangam Finserv's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was ₹2.63. Hence, Sangam Finserv's PS Ratio for today is 16.27.
Warning Sign:
Sangam Finserv Ltd stock PS Ratio (=16.21) is close to 10-year high of 17.62.
The historical rank and industry rank for Sangam Finserv's PS Ratio or its related term are showing as below:
BOM:538714'
s PS Ratio Range Over the Past 10 Years
Min: 1.03 Med: 4.7 Max: 17.62
Current: 16.27
During the past 12 years, Sangam Finserv's highest PS Ratio was 17.62. The lowest was 1.03. And the median was 4.70.
BOM:538714's PS Ratio is ranked worse than 87.38% of 523
companies
in the Credit Services industry
Industry Median: 2.92
vs BOM:538714: 16.27
Sangam Finserv Ltd revenue per share is in decline over the past 12 months.
During the past 12 months, the average Revenue per Share Growth Rate of Sangam Finserv was -16.00% per year.
During the past 3 years, the average Revenue per Share Growth Rate was -0.50% per year.
During the past 5 years, the average Revenue per Share Growth Rate was 2.60% per year.
During the past 10 years, the average Revenue per Share Growth Rate was 17.30% per year.
During the past 12 years, Sangam Finserv's highest 3-Year average Revenue per Share Growth Rate was 257.50% per year. The lowest was -7.10% per year. And the median was 6.60% 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.
Sangam Finserv PS Ratio Related Terms
Sangam Finserv PS Ratio Historical Data
* Premium members only.
The historical data trend for Sangam Finserv'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, Sangam Finserv'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.
Sangam Finserv PS Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Sangam Finserv's PS Ratio distribution charts can be found below:
* The bar in red indicates where Sangam Finserv'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.
Sangam Finserv's Share Price of today is ₹42.85. Sangam Finserv'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 ₹2.63.
* 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:
Sangam Finserv (BOM:538714) has a PS Ratio of 16.27 as of Aug. 16, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Sangam Finserv and its competitors. This is 246% above median its historical median of 4.70. Over the past decade, Sangam Finserv's PS Ratio has ranged from 1.03 to 17.62. According to the industry distribution chart, Sangam Finserv ranks #457 out of 523 companies in the Credit Services industry, placing it in the top 87.4%.
Is Sangam Finserv's PS Ratio too high?
Sangam Finserv's current PS Ratio of 16.27 is 246% above median its 10-year median of 4.70. Over the past 10 years, this metric has ranged from a low of 1.03 to a high of 17.62. The Credit Services industry median PS Ratio is 2.92. Sangam Finserv's value of 16.27 is 457.2% above this industry median. Based on the distribution chart, Sangam Finserv ranks #457 out of 523 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Sangam Finserv has a GF Score™ of 56/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sangam Finserv's PS Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Sangam Finserv ranks #457 out of 523 companies for PS Ratio. This places Sangam Finserv in the lower half of its industry. The industry median PS Ratio is 2.92. Sangam Finserv's value of 16.27 is 457.2% above this benchmark. Historically, Sangam Finserv's own PS Ratio has ranged from 1.03 to 17.62 over the past decade. While the company's 10-year median is 4.70 vs. the industry median of 2.92, Sangam Finserv 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 523 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. Sangam Finserv's current PS Ratio of 16.27 is 457.2% 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 Sangam Finserv 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. Sangam Finserv's current PS Ratio is 16.27, which is 246% above median its own 10-year median of 4.70. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sangam Finserv stock overvalued right now?
Based on GuruFocus' analysis, Sangam Finserv (BOM:538714) is currently considered Significantly Overvalued. The stock's GF Value™ is ₹21.31, compared to a current price of ₹42.85 — trading 101.1% above its estimated fair value. The current PS Ratio is 16.27, which is 246% above median its 10-year median of 4.70 and 457.2% above the Credit Services industry median of 2.92. Sangam Finserv's overall GF Score™ is 56/100 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 Sangam Finserv (BOM:538714), the current PS Ratio is 16.27 as of Aug. 16, 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 Sangam Finserv (BOM:538714) Overvalued in 2026?
Based on GuruFocus' analysis, Sangam Finserv stock appears to be overvalued.
The current stock price of ₹42.85 is trading 101.1% above its estimated GF Value™ of ₹21.31.
GuruFocus considers Sangam Finserv to be Significantly Overvalued.
Key valuation signals for BOM:538714:
PS Ratio: 16.27 (246% above median its 10-year median of 4.70)
GF Value™: ₹21.31 vs. price of ₹42.85 (101.1% above fair value)
Industry Position: 457.2% above the Credit Services median (#457 of 523)
No single metric tells the full story. See the BOM:538714 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sangam Finserv Ltd is a non-banking financial company (NBFC) predominantly engaged in providing secured business loans and corporate loans. The company also offers investment products and related financial services. Its operations are mainly focused in India, serving industrial enterprises through various financing solutions. Sangam Finserv generates revenue majorly from interest income on loans and investments. The company has a background of evolving from a finance and trading company to an NBFC, with a parent group supporting its growth and strategic direction.
56GF Score
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