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PicS NVPICS -1.16%39 3-Year Book Growth Rate is 43.10% as of Jun. 2026, which is 42% below its 10-year median of 74.00. GuruFocus rates PICS with a GF Score™ of 39/100. The stock has 2 warning signs investors should review. Among 2,499 Software companies, PicS NV ranks better than 90% on this metric.
During the past 12 months, PicS NV's average Book Value per Share Growth Rate was 192.00% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 43.10% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 66.80% 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 7 years, the highest 3-Year average Book Value per Share Growth Rate of PicS NV was 169.00% per year. The lowest was 43.10% per year. And the median was 74.00% per year.
PicS NV (NAS:PICS) 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.
PicS NV 3-Year Book Growth Rate Related Terms
PICS vs PRGS, NN, GCT: 3-Year Book Growth Rate Comparison
For the Software - Infrastructure subindustry, PicS NV'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.
PicS NV 3-Year Book Growth Rate vs Software Industry
For the Software industry and Technology sector, PicS NV's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where PicS NV'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 43.10% mean?
PicS NV (PICS) has a 3-Year Book Growth Rate of 43.10% 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 PicS NV and its competitors. This is 42% below median its historical median of 74.00. Over the past decade, PicS NV's 3-Year Book Growth Rate has ranged from 43.10 to 169.00. According to the industry distribution chart, PicS NV ranks #250 out of 2499 companies in the Software industry, placing it in the top 10%.
Is PicS NV's 3-Year Book Growth Rate too high?
PicS NV's current 3-Year Book Growth Rate of 43.10% is 42% below median its 10-year median of 74.00. Over the past 10 years, this metric has ranged from a low of 43.10 to a high of 169.00. The Software industry median 3-Year Book Growth Rate is 5.40. PicS NV's value of 43.10% is 698.1% above this industry median. Based on the distribution chart, PicS NV ranks #250 out of 2499 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, PicS NV has a GF Score™ of 39/100, reflecting its overall financial health beyond just this single metric.
How does PicS NV's 3-Year Book Growth Rate compare to PRGS and NN?
According to the Software industry distribution chart, PicS NV ranks #250 out of 2499 companies for 3-Year Book Growth Rate. This places PicS NV in the top 10% of its industry — outperforming the majority of peers. The industry median 3-Year Book Growth Rate is 5.40. PicS NV's value of 43.10% is 698.1% above this benchmark. Historically, PicS NV's own 3-Year Book Growth Rate has ranged from 43.10 to 169.00 over the past decade. While the company's 10-year median is 74.00 vs. the industry median of 5.40, PicS NV 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 3-Year Book Growth Rate for a Software company?
The median 3-Year Book Growth Rate among Software companies is 5.40, based on 2,499 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. PicS NV's current 3-Year Book Growth Rate of 43.10% is 698.1% 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 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 PicS NV and its competitors. For the Software industry, the median 3-Year Book Growth Rate is 5.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PicS NV's current 3-Year Book Growth Rate is 43.10%, which is 42% below median its own 10-year median of 74.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PicS NV stock overvalued right now?
PicS NV (PICS) has a current 3-Year Book Growth Rate of 43.10%. The current 3-Year Book Growth Rate is 43.10%, which is 42% below median its 10-year median of 74.00 and 698.1% above the Software industry median of 5.40. PicS NV's overall GF Score™ is 39/100 with 2 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 PicS NV (PICS), the current 3-Year Book Growth Rate is 43.10% 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.
PicS NV is a digital payments company. The company operates a peer-to-peer (P2P) transfer platform that enables individuals to send money via mobile devices. It provides digital wallets, instant payments (Pix), P2P transfers, credit cards, loans, investments, insurance, and SMB payment solutions. The company has four reportable segments: Consumer Banking, Small and Medium-Sized Businesses, Audiences and Ecosystem Integration, and Institutional. The majority of the company's revenue is derived from the Consumer Banking segment, which generates revenue from various transaction activities occurring in the digital wallet, such as Pix, peer-to-peer (P2P) transfers, and bill payments.
39GF Score
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