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.
Housing & Development BankCAI:HDBK 62 PS Ratio is 2.79 as of Jul. 24, 2026, which is 85% above its 10-year median of 1.51. GuruFocus rates CAI:HDBK with a GF Score™ of 62/100 and a GF Value™ of E£43.48 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,511 Banks companies, Housing & Development Bank ranks better than 55.79% 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, Housing & Development Bank's share price is E£83.00.
Housing & Development Bank's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was E£29.74. Hence, Housing & Development Bank's PS Ratio for today is 2.79.
Warning Sign:
Housing & Development Bank stock PS Ratio (=2.79) is close to 10-year high of 2.8.
The historical rank and industry rank for Housing & Development Bank's PS Ratio or its related term are showing as below:
CAI:HDBK'
s PS Ratio Range Over the Past 10 Years
Min: 0.85 Med: 1.51 Max: 2.8
Current: 2.79
During the past 13 years, Housing & Development Bank's highest PS Ratio was 2.80. The lowest was 0.85. And the median was 1.51.
CAI:HDBK's PS Ratio is ranked better than 55.79% of 1511
companies
in the Banks industry
Industry Median: 3.04
vs CAI:HDBK: 2.79
Housing & Development Bank has shown predictable revenue and earnings growth.
During the past 12 months, the average Revenue per Share Growth Rate of Housing & Development Bank was 29.30% per year.
During the past 3 years, the average Revenue per Share Growth Rate was 67.50% per year.
During the past 5 years, the average Revenue per Share Growth Rate was 55.90% per year.
During the past 10 years, the average Revenue per Share Growth Rate was 27.90% per year.
During the past 13 years, Housing & Development Bank's highest 3-Year average Revenue per Share Growth Rate was 67.50% per year. The lowest was -3.40% per year. And the median was 33.00% per year.
Back to Basics: PS Ratio
Housing & Development Bank (CAI:HDBK) 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.
Housing & Development Bank PS Ratio Related Terms
Housing & Development Bank PS Ratio Historical Data
* 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.
Housing & Development Bank PS Ratio Competitor Comparison
For the Banks - Regional subindustry, Housing & Development Bank'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.
Housing & Development Bank PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Housing & Development Bank's PS Ratio distribution charts can be found below:
* The bar in red indicates where Housing & Development Bank'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.
Housing & Development Bank's Share Price of today is E£83.00. Housing & Development Bank'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 E£29.74.
* 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:
Housing & Development Bank (CAI:HDBK) has a PS Ratio of 2.79 as of Jul. 24, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Housing & Development Bank and its competitors. This is 85% above median its historical median of 1.51. Over the past decade, Housing & Development Bank's PS Ratio has ranged from 0.85 to 2.80. According to the industry distribution chart, Housing & Development Bank ranks #668 out of 1511 companies in the Banks industry, placing it in the top 44.2%.
Is Housing & Development Bank's PS Ratio too high?
Housing & Development Bank's current PS Ratio of 2.79 is 85% above median its 10-year median of 1.51. Over the past 10 years, this metric has ranged from a low of 0.85 to a high of 2.80. The Banks industry median PS Ratio is 3.04. Housing & Development Bank's value of 2.79 is 8.2% below this industry median. Based on the distribution chart, Housing & Development Bank ranks #668 out of 1511 companies in the Banks industry, which is above the industry midpoint. Overall, Housing & Development Bank has a GF Score™ of 62/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Housing & Development Bank's PS Ratio compare to competitors?
According to the Banks industry distribution chart, Housing & Development Bank ranks #668 out of 1511 companies for PS Ratio. This puts Housing & Development Bank in the upper half of its industry. The industry median PS Ratio is 3.04. Housing & Development Bank's value of 2.79 is 8.2% below this benchmark. Historically, Housing & Development Bank's own PS Ratio has ranged from 0.85 to 2.80 over the past decade. While the company's 10-year median is 1.51 vs. the industry median of 3.04, Housing & Development Bank 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 3.04, based on 1,511 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. Housing & Development Bank's current PS Ratio of 2.79 is 8.2% 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 Housing & Development Bank and its competitors. For the Banks industry, the median PS Ratio is 3.04 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Housing & Development Bank's current PS Ratio is 2.79, which is 85% above median its own 10-year median of 1.51. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Housing & Development Bank stock overvalued right now?
Based on GuruFocus' analysis, Housing & Development Bank (CAI:HDBK) is currently considered Significantly Overvalued. The stock's GF Value™ is E£43.48, compared to a current price of E£83.00 — trading 90.9% above its estimated fair value. The current PS Ratio is 2.79, which is 85% above median its 10-year median of 1.51 and 8.2% below the Banks industry median of 3.04. Housing & Development Bank's overall GF Score™ is 62/100 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 Housing & Development Bank (CAI:HDBK), the current PS Ratio is 2.79 as of Jul. 24, 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 Housing & Development Bank (CAI:HDBK) Overvalued in 2026?
Based on GuruFocus' analysis, Housing & Development Bank stock appears to be overvalued.
The current stock price of E£83.00 is trading 90.9% above its estimated GF Value™ of E£43.48.
GuruFocus considers Housing & Development Bank to be Significantly Overvalued.
Key valuation signals for CAI:HDBK:
PS Ratio: 2.79 (85% above median its 10-year median of 1.51)
GF Value™: E£43.48 vs. price of E£83.00 (90.9% above fair value)
Industry Position: 8.2% below the Banks median (#668 of 1511)
No single metric tells the full story. See the CAI:HDBK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Housing & Development Bank operates as a bank in the Arab Republic of Egypt. The company provides loans and other services to financial institutions, agricultural institutions, industrial institutions, commercial services, real estate activity, and the government sector. It operates its business in four segments, which are Corporate, medium and small sized enterprise, Investments, Retail, and Other activities. Maximum revenue is generated from the Corporate, medium and small sized enterprise segment, which mainly includes the bank's current accounts (debit/credit), deposits, loans and facilities, financial derivatives, and other financial products and service offerings.
62GF Score
Get the complete analysis for CAI:HDBK
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
CAI:HDBK has been successfully added to your 
