APS BankMAL:APS +3.57%21 PS Ratio is 2.54 as of Jul. 04, 2026, which is 1% above its 10-year median of 2.52. GuruFocus rates MAL:APS with a GF Score™ of 21/100 and a GF Value™ of €0.61 (Fairly Valued). The stock has 7 warning signs investors should review. Among 1,517 Banks companies, APS Bank ranks better than 63.88% 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, APS Bank's share price is €0.58.
APS Bank's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was €0.23. Hence, APS Bank's PS Ratio for today is 2.54.
The historical rank and industry rank for APS Bank's PS Ratio or its related term are showing as below:
MAL:APS'
s PS Ratio Range Over the Past 10 Years
Min: 2.04 Med: 2.52 Max: 3.17
Current: 2.45
During the past 5 years, APS Bank's highest PS Ratio was 3.17. The lowest was 2.04. And the median was 2.52.
MAL:APS's PS Ratio is ranked better than 63.88% of 1517
companies
in the Banks industry
Industry Median: 2.98
vs MAL:APS: 2.45
During the past 12 months, the average Revenue per Share Growth Rate of APS Bank was 5.60% per year.
During the past 3 years, the average Revenue per Share Growth Rate was 4.60% per year.
During the past 5 years, APS Bank's highest 3-Year average Revenue per Share Growth Rate was 4.60% per year. The lowest was -4.50% per year. And the median was 0.05% per year.
Back to Basics: PS Ratio
APS Bank (MAL:APS) 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.
APS Bank PS Ratio Related Terms
APS Bank PS Ratio Historical Data
* Premium members only.
The historical data trend for APS Bank'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 Banks - Regional subindustry, APS 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.
APS Bank PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, APS Bank's PS Ratio distribution charts can be found below:
* The bar in red indicates where APS 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.
APS Bank's Share Price of today is €0.58.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. APS Bank's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was €0.23.
* 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:
APS Bank (MAL:APS) has a PS Ratio of 2.54 as of Jul. 04, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on APS Bank and its competitors. This is near median its historical median of 2.52. Over the past decade, APS Bank's PS Ratio has ranged from 2.04 to 3.17. According to the industry distribution chart, APS Bank ranks #548 out of 1517 companies in the Banks industry, placing it in the top 36.1%.
Is APS Bank's PS Ratio too high?
APS Bank's current PS Ratio of 2.54 is near median its 10-year median of 2.52. Over the past 10 years, this metric has ranged from a low of 2.04 to a high of 3.17. The Banks industry median PS Ratio is 2.98. APS Bank's value of 2.54 is 14.8% below this industry median. Based on the distribution chart, APS Bank ranks #548 out of 1517 companies in the Banks industry, which is above the industry midpoint. Overall, APS Bank has a GF Score™ of 21/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does APS Bank's PS Ratio compare to PNC and USB?
According to the Banks industry distribution chart, APS Bank ranks #548 out of 1517 companies for PS Ratio. This puts APS Bank in the upper half of its industry. The industry median PS Ratio is 2.98. APS Bank's value of 2.54 is 14.8% below this benchmark. Historically, APS Bank's own PS Ratio has ranged from 2.04 to 3.17 over the past decade. While the company's 10-year median is 2.52 vs. the industry median of 2.98, APS 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 2.98, based on 1,517 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. APS Bank's current PS Ratio of 2.54 is 14.8% 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 APS Bank and its competitors. For the Banks industry, the median PS Ratio is 2.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. APS Bank's current PS Ratio is 2.54, which is near median its own 10-year median of 2.52. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is APS Bank stock overvalued right now?
Based on GuruFocus' analysis, APS Bank (MAL:APS) is currently considered Fairly Valued. The stock's GF Value™ is €0.61, compared to a current price of €0.58 — trading 4.9% below its estimated fair value. The current PS Ratio is 2.54, which is near median its 10-year median of 2.52 and 14.8% below the Banks industry median of 2.98. APS Bank's overall GF Score™ is 21/100 with 7 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 APS Bank (MAL:APS), the current PS Ratio is 2.54 as of Jul. 04, 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 APS Bank (MAL:APS) Overvalued in 2026?
Based on GuruFocus' analysis, APS Bank stock appears to be undervalued.
The current stock price of €0.58 is trading 4.9% below its estimated GF Value™ of €0.61.
GuruFocus considers APS Bank to be Fairly Valued.
Key valuation signals for MAL:APS:
PS Ratio: 2.54 (near median its 10-year median of 2.52)
GF Value™: €0.61 vs. price of €0.58 (4.9% below fair value)
Industry Position: 14.8% below the Banks median (#548 of 1517)
No single metric tells the full story. See the MAL:APS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
APS Bank Ltd offers various personal banking and other financial products and services, including savings accounts, insurance and investment products, home loans, and personal loans, among others. It also caters to the banking needs of corporate customers. The company, along with its subsidiaries, operates in four reportable segments: Retail, Commercial, Investment Services, and Liquidity Management and Structured Loans. Maximum revenue is generated from the Retail segment, which offers various products and services to meet the personal banking needs of individual customers. This includes home loans, personal loans, overdraft facilities, deposit products, and other general banking activities.
21GF Score
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