Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
U Consumer FinanceCAI:VALU -2.09%28 PB Ratio is 10.08 as of Aug. 26, 2026, which is 3% above its 10-year median of 9.81. GuruFocus rates CAI:VALU with a GF Score™ of 28/100. The stock has 6 warning signs investors should review. Among 527 Credit Services companies, U Consumer Finance ranks worse than 97.34% on this metric.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
U Consumer Finance PB Ratio Related Terms
U Consumer Finance PB Ratio Historical Data
* Premium members only.
The historical data trend for U Consumer Finance's PB 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 Credit Services subindustry, U Consumer Finance's PB Ratio, along with its competitors' market caps and PB 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.
U Consumer Finance PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, U Consumer Finance's PB Ratio distribution charts can be found below:
* The bar in red indicates where U Consumer Finance's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
U Consumer Finance (CAI:VALU) has a PB Ratio of 10.08 as of Aug. 26, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on U Consumer Finance and its competitors. This is near median its historical median of 9.81. Over the past decade, U Consumer Finance's PB Ratio has ranged from 7.76 to 11.95. According to the industry distribution chart, U Consumer Finance ranks #513 out of 527 companies in the Credit Services industry, placing it in the top 97.3%.
Is U Consumer Finance's PB Ratio too high?
U Consumer Finance's current PB Ratio of 10.08 is near median its 10-year median of 9.81. Over the past 10 years, this metric has ranged from a low of 7.76 to a high of 11.95. The Credit Services industry median PB Ratio is 1.05. U Consumer Finance's value of 10.08 is 860% above this industry median. Based on the distribution chart, U Consumer Finance ranks #513 out of 527 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, U Consumer Finance has a GF Score™ of 28/100, reflecting its overall financial health beyond just this single metric.
How does U Consumer Finance's PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, U Consumer Finance ranks #513 out of 527 companies for PB Ratio. This places U Consumer Finance in the lower half of its industry. The industry median PB Ratio is 1.05. U Consumer Finance's value of 10.08 is 860% above this benchmark. Historically, U Consumer Finance's own PB Ratio has ranged from 7.76 to 11.95 over the past decade. While the company's 10-year median is 9.81 vs. the industry median of 1.05, U Consumer Finance 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 PB Ratio for a Credit Services company?
The median PB Ratio among Credit Services companies is 1.05, based on 527 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. U Consumer Finance's current PB Ratio of 10.08 is 860% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on U Consumer Finance and its competitors. For the Credit Services industry, the median PB Ratio is 1.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. U Consumer Finance's current PB Ratio is 10.08, which is near median its own 10-year median of 9.81. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is U Consumer Finance stock overvalued right now?
U Consumer Finance (CAI:VALU) has a current PB Ratio of 10.08. The current PB Ratio is 10.08, which is near median its 10-year median of 9.81 and 860% above the Credit Services industry median of 1.05. U Consumer Finance's overall GF Score™ is 28/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For U Consumer Finance (CAI:VALU), the current PB Ratio is 10.08 as of Aug. 26, 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.
U Consumer Finance known by Its Brand Name Valu, is the universal financial technology powerhouse, offering a suite of financial services to individuals and businesses.
28GF Score
Get the complete analysis for CAI:VALU
PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CAI:VALU has been successfully added to your 
