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.
PT Bank CIMB Niaga TbkFRA:NKX +2.59%80 PS Ratio is 1.45 as of Jul. 21, 2026, which is 14% below its 10-year median of 1.68. GuruFocus rates FRA:NKX with a GF Score™ of 80/100 and a GF Value™ of €0.05 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,514 Banks companies, PT Bank CIMB Niaga Tbk ranks better than 73.51% 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, PT Bank CIMB Niaga Tbk's share price is €0.0595.
PT Bank CIMB Niaga Tbk's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was €0.04. Hence, PT Bank CIMB Niaga Tbk's PS Ratio for today is 1.45.
Good Sign:
PT Bank CIMB Niaga Tbk stock PS Ratio (=2.06) is close to 3-year low of 1.97.
The historical rank and industry rank for PT Bank CIMB Niaga Tbk's PS Ratio or its related term are showing as below:
FRA:NKX'
s PS Ratio Range Over the Past 10 Years
Min: 0.87 Med: 1.68 Max: 2.9
Current: 2.06
During the past 13 years, PT Bank CIMB Niaga Tbk's highest PS Ratio was 2.90. The lowest was 0.87. And the median was 1.68.
FRA:NKX's PS Ratio is ranked better than 73.51% of 1514
companies
in the Banks industry
Industry Median: 3.035
vs FRA:NKX: 2.06
PT Bank CIMB Niaga Tbk has shown predictable revenue and earnings growth.
During the past 12 months, the average Revenue per Share Growth Rate of PT Bank CIMB Niaga Tbk was 4.60% per year.
During the past 3 years, the average Revenue per Share Growth Rate was 0.70% per year.
During the past 5 years, the average Revenue per Share Growth Rate was 3.00% per year.
During the past 10 years, the average Revenue per Share Growth Rate was 3.30% per year.
During the past 13 years, PT Bank CIMB Niaga Tbk's highest 3-Year average Revenue per Share Growth Rate was 19.80% per year. The lowest was 0.70% per year. And the median was 5.00% per year.
Back to Basics: PS Ratio
PT Bank CIMB Niaga Tbk (FRA:NKX) 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.
PT Bank CIMB Niaga Tbk PS Ratio Competitor Comparison
For the Banks - Regional subindustry, PT Bank CIMB Niaga Tbk'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.
PT Bank CIMB Niaga Tbk PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, PT Bank CIMB Niaga Tbk's PS Ratio distribution charts can be found below:
* The bar in red indicates where PT Bank CIMB Niaga Tbk'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.
PT Bank CIMB Niaga Tbk's Share Price of today is €0.0595. PT Bank CIMB Niaga Tbk'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 €0.04.
* 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:
PT Bank CIMB Niaga Tbk (FRA:NKX) has a PS Ratio of 1.45 as of Jul. 21, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on PT Bank CIMB Niaga Tbk and its competitors. This is 14% below median its historical median of 1.68. Over the past decade, PT Bank CIMB Niaga Tbk's PS Ratio has ranged from 0.87 to 2.90. According to the industry distribution chart, PT Bank CIMB Niaga Tbk ranks #401 out of 1514 companies in the Banks industry, placing it in the top 26.5%.
Is PT Bank CIMB Niaga Tbk's PS Ratio too high?
PT Bank CIMB Niaga Tbk's current PS Ratio of 1.45 is 14% below median its 10-year median of 1.68. Over the past 10 years, this metric has ranged from a low of 0.87 to a high of 2.90. The Banks industry median PS Ratio is 3.04. PT Bank CIMB Niaga Tbk's value of 1.45 is 52.2% below this industry median. Based on the distribution chart, PT Bank CIMB Niaga Tbk ranks #401 out of 1514 companies in the Banks industry, which is above the industry midpoint. Overall, PT Bank CIMB Niaga Tbk has a GF Score™ of 80/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank CIMB Niaga Tbk's PS Ratio compare to competitors?
According to the Banks industry distribution chart, PT Bank CIMB Niaga Tbk ranks #401 out of 1514 companies for PS Ratio. This puts PT Bank CIMB Niaga Tbk in the upper half of its industry. The industry median PS Ratio is 3.04. PT Bank CIMB Niaga Tbk's value of 1.45 is 52.2% below this benchmark. Historically, PT Bank CIMB Niaga Tbk's own PS Ratio has ranged from 0.87 to 2.90 over the past decade. While the company's 10-year median is 1.68 vs. the industry median of 3.04, PT Bank CIMB Niaga Tbk 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 1,514 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. PT Bank CIMB Niaga Tbk's current PS Ratio of 1.45 is 52.2% 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 PT Bank CIMB Niaga Tbk 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. PT Bank CIMB Niaga Tbk's current PS Ratio is 1.45, which is 14% below median its own 10-year median of 1.68. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank CIMB Niaga Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank CIMB Niaga Tbk (FRA:NKX) is currently considered Modestly Overvalued. The stock's GF Value™ is €0.05, compared to a current price of €0.06 — trading 19% above its estimated fair value. The current PS Ratio is 1.45, which is 14% below median its 10-year median of 1.68 and 52.2% below the Banks industry median of 3.04. PT Bank CIMB Niaga Tbk's overall GF Score™ is 80/100 with 3 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 PT Bank CIMB Niaga Tbk (FRA:NKX), the current PS Ratio is 1.45 as of Jul. 21, 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 PT Bank CIMB Niaga Tbk (FRA:NKX) Overvalued in 2026?
Based on GuruFocus' analysis, PT Bank CIMB Niaga Tbk stock appears to be overvalued.
The current stock price of €0.06 is trading 19% above its estimated GF Value™ of €0.05.
GuruFocus considers PT Bank CIMB Niaga Tbk to be Modestly Overvalued.
Key valuation signals for FRA:NKX:
PS Ratio: 1.45 (14% below median its 10-year median of 1.68)
GF Value™: €0.05 vs. price of €0.06 (19% above fair value)
Industry Position: 52.2% below the Banks median (#401 of 1514)
No single metric tells the full story. See the FRA:NKX stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Bank CIMB Niaga Tbk operates in the commercial banking sector. Its principal activities include accepting funds from the public in the form of deposits, namely current accounts, time deposits, certificates of deposits, and saving accounts; providing loans, safe deposit boxes, and online banking facilities; performing custodian and treasury activities; offering credit cards, factoring, and trust services; and others. The company's reportable segments are Corporate, Business, Retail, Treasury, Sharia, Others, and Subsidiaries. Key revenue is generated from its Retail segment, which focuses on providing products and services to individual customers. It includes products such as loans, deposits, and other transactions, and balances with retail customers.
80GF Score
Get the complete analysis for FRA:NKX
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
FRA:NKX has been successfully added to your 
