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During the past 12 months, Qliro AB's average Book Value per Share Growth Rate was -17.40% per year.
During the past 3 years, the average Book Value per Share Growth Rate was -5.40% per year.
During the past 5 years, the average Book Value per Share Growth Rate was -7.40% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 9 years, the highest 3-Year average Book Value per Share Growth Rate of Qliro AB was 19.40% per year. The lowest was -8.40% per year. And the median was -5.15% per year.
Qliro AB (FRA:2AI) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Qliro AB 3-Year Book Growth Rate Related Terms
FRA:2AI vs V, MA, AXP: 3-Year Book Growth Rate Comparison
For the Credit Services subindustry, Qliro AB's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate 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.
Qliro AB 3-Year Book Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Qliro AB's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Qliro AB's 3-Year Book Growth Rate falls into.
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of -5.40% mean?
Qliro AB (FRA:2AI) has a 3-Year Book Growth Rate of -5.40% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Qliro AB and its competitors. According to the industry distribution chart, Qliro AB ranks #435 out of 517 companies in the Credit Services industry, placing it in the top 84.1%.
Is Qliro AB's 3-Year Book Growth Rate too high?
Qliro AB's current 3-Year Book Growth Rate is -5.40%. Based on the distribution chart, Qliro AB ranks #435 out of 517 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Qliro AB has a GF Score™ of 70/100, reflecting its overall financial health beyond just this single metric.
How does Qliro AB's 3-Year Book Growth Rate compare to V and MA?
According to the Credit Services industry distribution chart, Qliro AB ranks #435 out of 517 companies for 3-Year Book Growth Rate. This places Qliro AB in the lower half of its industry. The industry median 3-Year Book Growth Rate is 5.60. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Credit Services company?
The median 3-Year Book Growth Rate among Credit Services companies is 5.60, based on 517 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Qliro AB and its competitors. For the Credit Services industry, the median 3-Year Book Growth Rate is 5.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Qliro AB's current 3-Year Book Growth Rate is -5.40%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Qliro AB stock overvalued right now?
Qliro AB (FRA:2AI) has a current 3-Year Book Growth Rate of -5.40%. The stock's GF Value™ is €1.41, compared to a current price of €1.61 — trading 13.8% above its estimated fair value. The current 3-Year Book Growth Rate is -5.40%. Qliro AB's overall GF Score™ is 70/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Qliro AB (FRA:2AI), the current 3-Year Book Growth Rate is -5.40% as of Jun. 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 Qliro AB (FRA:2AI) Overvalued in 2026?
Based on GuruFocus' analysis, Qliro AB stock appears to be overvalued.
The current stock price of €1.61 is trading 13.8% above its estimated GF Value™ of €1.41.
Key valuation signals for FRA:2AI:
3-Year Book Growth Rate: -5.40%
GF Value™: €1.41 vs. price of €1.61 (13.8% above fair value)
No single metric tells the full story. See the FRA:2AI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Qliro AB is a fintech company that provides digital payment solutions to both Enterprise and SME merchants, with a primary focus on e-commerce. Its offering to merchants includes a checkout solution designed to maximise both conversion and upselling. The Unified Payments system integrates all relevant payment methods in one offering, allowing flexible implementation. For consumers, Qliro offers its proprietary invoice and part-payment services (Pay Later) available through connected merchants throughout the Nordics, as well as personal savings accounts in Sweden and Germany. The Group identifies only one operating segment: Payment Solutions. Geographically, it generates maximum revenue from Sweden, and the rest from Finland, Denmark, and Norway.
70GF Score
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