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J and Friends HoldingsJF +1.09%24 PB Ratio is 11.48 as of Sep. 09, 2026, which is 474% above its 10-year median of 2.00. GuruFocus rates JF with a GF Score™ of 24/100. The stock has 5 warning signs investors should review. Among 521 Credit Services companies, J and Friends Holdings ranks worse than 97.89% on this metric.
J and Friends Holdings Ltd stock PB Ratio (=11.36) is close to 5-year low of 10.41.
The historical rank and industry rank for J and Friends Holdings's PB Ratio or its related term are showing as below:
JF'
s PB Ratio Range Over the Past 10 Years
Min: 0.13 Med: 2 Max: 13.83
Current: 11.63
During the past 10 years, J and Friends Holdings's highest PB Ratio was 13.83. The lowest was 0.13. And the median was 2.00.
JF's PB Ratio is ranked worse than 97.89% of 521
companies
in the Credit Services industry
Industry Median: 1.01
vs JF: 11.63
During the past 10 years, the highest 3-Year average Book Value Per Share Growth Rate of J and Friends Holdings was 4.60% per year. The lowest was -18.30% per year. And the median was -18.30% per year.
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.
* 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, J and Friends Holdings'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.
J and Friends Holdings PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, J and Friends Holdings's PB Ratio distribution charts can be found below:
* The bar in red indicates where J and Friends Holdings'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.
J and Friends Holdings (JF) has a PB Ratio of 11.48 as of Sep. 09, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on J and Friends Holdings and its competitors. This is 474% above median its historical median of 2.00. Over the past decade, J and Friends Holdings' PB Ratio has ranged from 0.13 to 13.83. According to the industry distribution chart, J and Friends Holdings ranks #510 out of 521 companies in the Credit Services industry, placing it in the top 97.9%.
Is J and Friends Holdings' PB Ratio too high?
J and Friends Holdings' current PB Ratio of 11.48 is 474% above median its 10-year median of 2.00. Over the past 10 years, this metric has ranged from a low of 0.13 to a high of 13.83. The Credit Services industry median PB Ratio is 1.01. J and Friends Holdings' value of 11.48 is 1036.6% above this industry median. Based on the distribution chart, J and Friends Holdings ranks #510 out of 521 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, J and Friends Holdings has a GF Score™ of 24/100, reflecting its overall financial health beyond just this single metric.
How does J and Friends Holdings' PB Ratio compare to STQN and AIJTY?
According to the Credit Services industry distribution chart, J and Friends Holdings ranks #510 out of 521 companies for PB Ratio. This places J and Friends Holdings in the lower half of its industry. The industry median PB Ratio is 1.01. J and Friends Holdings' value of 11.48 is 1036.6% above this benchmark. Historically, J and Friends Holdings' own PB Ratio has ranged from 0.13 to 13.83 over the past decade. While the company's 10-year median is 2.00 vs. the industry median of 1.01, J and Friends Holdings 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 1.01, based on 521 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. J and Friends Holdings's current PB Ratio of 11.48 is 1036.6% 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 J and Friends Holdings and its competitors. For the Credit Services industry, the median PB Ratio is 1.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. J and Friends Holdings's current PB Ratio is 11.48, which is 474% above median its own 10-year median of 2.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is J and Friends Holdings stock overvalued right now?
J and Friends Holdings (JF) has a current PB Ratio of 11.48. The current PB Ratio is 11.48, which is 474% above median its 10-year median of 2.00 and 1036.6% above the Credit Services industry median of 1.01. J and Friends Holdings' overall GF Score™ is 24/100 with 5 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 J and Friends Holdings (JF), the current PB Ratio is 11.48 as of Sep. 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.
J and Friends Holdings Ltd providing merchant digitalization and commerce-enablement solutions to small and medium enterprises (SME). Its solutions feature critical functionality that SMEs need to engage with consumers, manage their operations, accept payments, and grow their business. Such solutions empower single- and multi-location retailers, restaurants, and other SMEs to compete successfully in an omni-channel market environment by engaging with consumers across online, mobile, and physical channels. The group conducts all of its current operations in Australia and generates revenues from continuing operations are derived from within Australia.
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