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India Shelter FinanceBOM:544044 +0.25%38 PS Ratio is 5.96 as of Aug. 06, 2026, which is 33% below its 10-year median of 8.87. GuruFocus rates BOM:544044 with a GF Score™ of 38/100. The stock has 5 warning signs investors should review. Among 1,514 Banks companies, India Shelter Finance ranks worse than 89.37% 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 Shelter Finance's share price is ₹733.60.
India Shelter Finance's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was ₹123.11. Hence, India Shelter Finance's PS Ratio for today is 5.96.
Good Sign:
India Shelter Finance Corporation Ltd stock PS Ratio (=6.21) is close to 3-year low of 5.86.
The historical rank and industry rank for India Shelter Finance's PS Ratio or its related term are showing as below:
BOM:544044'
s PS Ratio Range Over the Past 10 Years
Min: 5.86 Med: 8.87 Max: 11.23
Current: 5.97
During the past 6 years, India Shelter Finance's highest PS Ratio was 11.23. The lowest was 5.86. And the median was 8.87.
BOM:544044's PS Ratio is ranked worse than 89.37% of 1514
companies
in the Banks industry
Industry Median: 3.1
vs BOM:544044: 5.97
During the past 12 months, the average Revenue per Share Growth Rate of India Shelter Finance was 29.50% per year.
During the past 3 years, the average Revenue per Share Growth Rate was 35.80% per year.
During the past 5 years, the average Revenue per Share Growth Rate was 36.80% per year.
During the past 6 years, India Shelter Finance's highest 3-Year average Revenue per Share Growth Rate was 40.80% per year. The lowest was 35.80% per year. And the median was 37.30% per year.
India Shelter Finance (BOM:544044) 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.
* 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:544044 vs RKT, FNMA, PFSI: PS Ratio Comparison
For the Mortgage Finance subindustry, India Shelter Finance'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 Shelter Finance PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, India Shelter Finance's PS Ratio distribution charts can be found below:
* The bar in red indicates where India Shelter Finance'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 Shelter Finance's Share Price of today is ₹733.60. India Shelter Finance'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 ₹123.11.
* 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 Shelter Finance (BOM:544044) has a PS Ratio of 5.96 as of Aug. 06, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on India Shelter Finance and its competitors. This is 33% below median its historical median of 8.87. Over the past decade, India Shelter Finance's PS Ratio has ranged from 5.86 to 11.23. According to the industry distribution chart, India Shelter Finance ranks #1353 out of 1514 companies in the Banks industry, placing it in the top 89.4%.
Is India Shelter Finance's PS Ratio too high?
India Shelter Finance's current PS Ratio of 5.96 is 33% below median its 10-year median of 8.87. Over the past 10 years, this metric has ranged from a low of 5.86 to a high of 11.23. The Banks industry median PS Ratio is 3.10. India Shelter Finance's value of 5.96 is 92.3% above this industry median. Based on the distribution chart, India Shelter Finance ranks #1353 out of 1514 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, India Shelter Finance has a GF Score™ of 38/100, reflecting its overall financial health beyond just this single metric.
How does India Shelter Finance's PS Ratio compare to RKT and FNMA?
According to the Banks industry distribution chart, India Shelter Finance ranks #1353 out of 1514 companies for PS Ratio. This places India Shelter Finance in the lower half of its industry. The industry median PS Ratio is 3.10. India Shelter Finance's value of 5.96 is 92.3% above this benchmark. Historically, India Shelter Finance's own PS Ratio has ranged from 5.86 to 11.23 over the past decade. While the company's 10-year median is 8.87 vs. the industry median of 3.10, India Shelter Finance 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 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 Shelter Finance's current PS Ratio of 5.96 is 92.3% 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 India Shelter Finance 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 Shelter Finance's current PS Ratio is 5.96, which is 33% below median its own 10-year median of 8.87. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is India Shelter Finance stock overvalued right now?
India Shelter Finance (BOM:544044) has a current PS Ratio of 5.96. The current PS Ratio is 5.96, which is 33% below median its 10-year median of 8.87 and 92.3% above the Banks industry median of 3.10. India Shelter Finance's overall GF Score™ is 38/100 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 Shelter Finance (BOM:544044), the current PS Ratio is 5.96 as of Aug. 06, 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.
India Shelter Finance Corporation Ltd caters to the housing needs of the self-employed, informal segment of customers, belonging to the middle income, predominantly from semi-urban and rural markets. It is engaged in providing secured retail home loans, home equity loans, and loans against property to borrowers for a period of up to twenty years. These loans are mainly to be used by borrowers for home purchase, home improvements, home extension, and the construction of dwelling units on plots owned by borrowers. Geographically, the company's operations are spread across different regions in India.
38GF Score
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