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.
Security Investment BankKAR:SIBL -3.97%56 PS Ratio is 3.95 as of Jul. 22, 2026, which is 5% below its 10-year median of 4.15. GuruFocus rates KAR:SIBL with a GF Score™ of 56/100 and a GF Value™ of ₨6.21 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 523 Credit Services companies, Security Investment Bank ranks worse than 59.85% 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, Security Investment Bank's share price is ₨7.02.
Security Investment Bank's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was ₨1.78. Hence, Security Investment Bank's PS Ratio for today is 3.95.
The historical rank and industry rank for Security Investment Bank's PS Ratio or its related term are showing as below:
KAR:SIBL'
s PS Ratio Range Over the Past 10 Years
Min: 1.43 Med: 4.15 Max: 20.09
Current: 3.95
During the past 13 years, Security Investment Bank's highest PS Ratio was 20.09. The lowest was 1.43. And the median was 4.15.
KAR:SIBL's PS Ratio is ranked worse than 59.85% of 523
companies
in the Credit Services industry
Industry Median: 2.91
vs KAR:SIBL: 3.95
During the past 13 years, Security Investment Bank's highest 3-Year average Revenue per Share Growth Rate was 31.60% per year. The lowest was 0.20% per year. And the median was 15.90% per year.
Back to Basics: PS Ratio
Security Investment Bank (KAR:SIBL) 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.
For the Credit Services subindustry, Security Investment 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.
Security Investment Bank PS Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Security Investment Bank's PS Ratio distribution charts can be found below:
* The bar in red indicates where Security Investment 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.
Security Investment Bank's Share Price of today is ₨7.02. Security Investment 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 ₨1.78.
* 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:
Security Investment Bank (KAR:SIBL) has a PS Ratio of 3.95 as of Jul. 22, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Security Investment Bank and its competitors. This is near median its historical median of 4.15. Over the past decade, Security Investment Bank's PS Ratio has ranged from 1.43 to 20.09. According to the industry distribution chart, Security Investment Bank ranks #313 out of 523 companies in the Credit Services industry, placing it in the top 59.8%.
Is Security Investment Bank's PS Ratio too high?
Security Investment Bank's current PS Ratio of 3.95 is near median its 10-year median of 4.15. Over the past 10 years, this metric has ranged from a low of 1.43 to a high of 20.09. The Credit Services industry median PS Ratio is 2.91. Security Investment Bank's value of 3.95 is 35.7% above this industry median. Based on the distribution chart, Security Investment Bank ranks #313 out of 523 companies in the Credit Services industry, which is below the industry midpoint. Overall, Security Investment Bank has a GF Score™ of 56/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Security Investment Bank's PS Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Security Investment Bank ranks #313 out of 523 companies for PS Ratio. This places Security Investment Bank in the lower half of its industry. The industry median PS Ratio is 2.91. Security Investment Bank's value of 3.95 is 35.7% above this benchmark. Historically, Security Investment Bank's own PS Ratio has ranged from 1.43 to 20.09 over the past decade. While the company's 10-year median is 4.15 vs. the industry median of 2.91, Security Investment Bank 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 2.91, 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. Security Investment Bank's current PS Ratio of 3.95 is 35.7% 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 Security Investment Bank and its competitors. For the Credit Services industry, the median PS Ratio is 2.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Security Investment Bank's current PS Ratio is 3.95, which is near median its own 10-year median of 4.15. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Security Investment Bank stock overvalued right now?
Based on GuruFocus' analysis, Security Investment Bank (KAR:SIBL) is currently considered Modestly Overvalued. The stock's GF Value™ is ₨6.21, compared to a current price of ₨7.02 — trading 13% above its estimated fair value. The current PS Ratio is 3.95, which is near median its 10-year median of 4.15 and 35.7% above the Credit Services industry median of 2.91. Security Investment Bank's overall GF Score™ is 56/100 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 Security Investment Bank (KAR:SIBL), the current PS Ratio is 3.95 as of Jul. 22, 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 Security Investment Bank (KAR:SIBL) Overvalued in 2026?
Based on GuruFocus' analysis, Security Investment Bank stock appears to be overvalued.
The current stock price of ₨7.02 is trading 13% above its estimated GF Value™ of ₨6.21.
GuruFocus considers Security Investment Bank to be Modestly Overvalued.
Key valuation signals for KAR:SIBL:
PS Ratio: 3.95 (near median its 10-year median of 4.15)
GF Value™: ₨6.21 vs. price of ₨7.02 (13% above fair value)
Industry Position: 35.7% above the Credit Services median (#313 of 523)
No single metric tells the full story. See the KAR:SIBL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Security Investment Bank Ltd Company is licensed to carry out the business of investment finance services as a Non-Banking Finance Company (NBFC). The operations of the Company in Pakistan only.
56GF Score
Get the complete analysis for KAR:SIBL
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
KAR:SIBL has been successfully added to your 
