195% = 1.95 in decimal form.
Details:
Percent means 'per 100'. So, 195% means 195 per 100 or simply 195/100.
If you divide 195 by 100, you'll get 1.95 (a decimal number). Read more below on this webpage.
As you can see, to convert from percent to decimal just divide the percent value (195) by 100, and remove the "%" sign.