General CapitalNZSE:GEN 43 PS Ratio is 35.00 as of Jul. 09, 2026, which is 13% below its 10-year median of 40.00. GuruFocus rates NZSE:GEN with a GF Score™ of 43/100 and a GF Value™ of NZ$0.98 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 1,516 Banks companies, General Capital ranks worse than 99.74% 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, General Capital's share price is NZ$0.28.
General Capital's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was NZ$0.01. Hence, General Capital's PS Ratio for today is 35.00.
Good Sign:
General Capital Ltd stock PS Ratio (=41.43) is close to 3-year low of 37.86.
The historical rank and industry rank for General Capital's PS Ratio or its related term are showing as below:
NZSE:GEN'
s PS Ratio Range Over the Past 10 Years
Min: 0.1 Med: 40 Max: 192
Current: 35
During the past 13 years, General Capital's highest PS Ratio was 192.00. The lowest was 0.10. And the median was 40.00.
NZSE:GEN's PS Ratio is ranked worse than 99.74% of 1516
companies
in the Banks industry
Industry Median: 3
vs NZSE:GEN: 35.00
General Capital Ltd revenue per share has been in decline for the last 5 years.
During the past 12 months, the average Revenue per Share Growth Rate of General Capital was 250.00% per year.
During the past 3 years, the average Revenue per Share Growth Rate was 51.80% per year.
During the past 5 years, the average Revenue per Share Growth Rate was -54.70% per year.
During the past 10 years, the average Revenue per Share Growth Rate was -27.90% per year.
During the past 13 years, General Capital's highest 3-Year average Revenue per Share Growth Rate was 288.20% per year. The lowest was -84.70% per year. And the median was -18.65% per year.
Back to Basics: PS Ratio
General Capital (NZSE:GEN) 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.
General Capital PS Ratio Related Terms
General Capital PS Ratio Historical Data
* Premium members only.
The historical data trend for General Capital'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 Mortgage Finance subindustry, General Capital'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.
General Capital PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, General Capital's PS Ratio distribution charts can be found below:
* The bar in red indicates where General Capital'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.
General Capital's Share Price of today is NZ$0.28.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. General Capital's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was NZ$0.01.
* 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:
General Capital (NZSE:GEN) has a PS Ratio of 35.00 as of Jul. 09, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on General Capital and its competitors. This is 13% below median its historical median of 40.00. Over the past decade, General Capital's PS Ratio has ranged from 0.10 to 192.00. According to the industry distribution chart, General Capital ranks #1512 out of 1516 companies in the Banks industry, placing it in the top 99.7%.
Is General Capital's PS Ratio too high?
General Capital's current PS Ratio of 35.00 is 13% below median its 10-year median of 40.00. Over the past 10 years, this metric has ranged from a low of 0.10 to a high of 192.00. The Banks industry median PS Ratio is 3.00. General Capital's value of 35.00 is 1066.7% above this industry median. Based on the distribution chart, General Capital ranks #1512 out of 1516 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, General Capital has a GF Score™ of 43/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does General Capital's PS Ratio compare to RKT and FNMA?
According to the Banks industry distribution chart, General Capital ranks #1512 out of 1516 companies for PS Ratio. This places General Capital in the lower half of its industry. The industry median PS Ratio is 3.00. General Capital's value of 35.00 is 1066.7% above this benchmark. Historically, General Capital's own PS Ratio has ranged from 0.10 to 192.00 over the past decade. While the company's 10-year median is 40.00 vs. the industry median of 3.00, General Capital 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 3.00, based on 1,516 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. General Capital's current PS Ratio of 35.00 is 1066.7% 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 General Capital and its competitors. For the Banks industry, the median PS Ratio is 3.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. General Capital's current PS Ratio is 35.00, which is 13% below median its own 10-year median of 40.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is General Capital stock overvalued right now?
Based on GuruFocus' analysis, General Capital (NZSE:GEN) is currently considered Possible Value Trap. The stock's GF Value™ is NZ$0.98, compared to a current price of NZ$0.28 — trading 71.4% below its estimated fair value. The current PS Ratio is 35.00, which is 13% below median its 10-year median of 40.00 and 1066.7% above the Banks industry median of 3.00. General Capital's overall GF Score™ is 43/100 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 General Capital (NZSE:GEN), the current PS Ratio is 35.00 as of Jul. 09, 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 General Capital (NZSE:GEN) Overvalued in 2026?
Based on GuruFocus' analysis, General Capital stock appears to be undervalued.
The current stock price of NZ$0.28 is trading 71.4% below its estimated GF Value™ of NZ$0.98.
GuruFocus considers General Capital to be Possible Value Trap.
Key valuation signals for NZSE:GEN:
PS Ratio: 35.00 (13% below median its 10-year median of 40.00)
GF Value™: NZ$0.98 vs. price of NZ$0.28 (71.4% below fair value)
Industry Position: 1066.7% above the Banks median (#1512 of 1516)
No single metric tells the full story. See the NZSE:GEN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
General Capital Ltd through its subsidiaries engaged in providing financial services. The company accepts deposits and also lends funds to borrowers over residential property. It operates through three segments: Finance: Deposit taking and property mortgage lending, and insurance premium funding, Research and Advisory: Provides investment advisory services and produces and sells investment research and publications. Corporate and Other: Corporate function and investment activities. The Finance segment generates the majority of revenue for the company.
43GF Score
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