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OptasiaJSE:OPA +2.57%22 PB Ratio is 8.19 as of Aug. 31, 2026, which is 31% below its 10-year median of 11.83. GuruFocus rates JSE:OPA with a GF Score™ of 22/100. The stock has 2 warning signs investors should review. Among 522 Credit Services companies, Optasia ranks worse than 96.36% on this metric.
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. As of today (2026-08-31), Optasia's share price is R13.55. Optasia's Book Value per Share for the quarter that ended in Dec. 2025 was R1.65. Hence, Optasia's PB Ratio of today is 8.19.
Good Sign:
Optasia stock PB Ratio (=8.19) is close to 1-year low of 8.19.
The historical rank and industry rank for Optasia's PB Ratio or its related term are showing as below:
JSE:OPA'
s PB Ratio Range Over the Past 10 Years
Min: 8.19 Med: 11.83 Max: 48.87
Current: 8.19
During the past 4 years, Optasia's highest PB Ratio was 48.87. The lowest was 8.19. And the median was 11.83.
JSE:OPA's PB Ratio is ranked worse than 96.36% of 522
companies
in the Credit Services industry
Industry Median: 1.03
vs JSE:OPA: 8.19
During the past 12 months, Optasia's average Book Value Per Share Growth Rate was 297.60% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 111.00% per year.
During the past 4 years, the highest 3-Year average Book Value Per Share Growth Rate of Optasia was 111.00% per year. The lowest was 111.00% per year. And the median was 111.00% 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.
Optasia PB Ratio Related Terms
Optasia PB Ratio Historical Data
* Premium members only.
The historical data trend for Optasia'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, Optasia'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.
Optasia PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Optasia's PB Ratio distribution charts can be found below:
* The bar in red indicates where Optasia'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.
Optasia's PB Ratio for today is calculated as follows:
* 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.
Optasia (JSE:OPA) has a PB Ratio of 8.19 as of Aug. 31, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Optasia and its competitors. This is 31% below median its historical median of 11.83. Over the past decade, Optasia's PB Ratio has ranged from 8.19 to 48.87. According to the industry distribution chart, Optasia ranks #503 out of 522 companies in the Credit Services industry, placing it in the top 96.4%.
Is Optasia's PB Ratio too high?
Optasia's current PB Ratio of 8.19 is 31% below median its 10-year median of 11.83. Over the past 10 years, this metric has ranged from a low of 8.19 to a high of 48.87. The Credit Services industry median PB Ratio is 1.03. Optasia's value of 8.19 is 695.1% above this industry median. Based on the distribution chart, Optasia ranks #503 out of 522 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Optasia has a GF Score™ of 22/100, reflecting its overall financial health beyond just this single metric.
How does Optasia's PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Optasia ranks #503 out of 522 companies for PB Ratio. This places Optasia in the lower half of its industry. The industry median PB Ratio is 1.03. Optasia's value of 8.19 is 695.1% above this benchmark. Historically, Optasia's own PB Ratio has ranged from 8.19 to 48.87 over the past decade. While the company's 10-year median is 11.83 vs. the industry median of 1.03, Optasia 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 1.03, based on 522 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. Optasia's current PB Ratio of 8.19 is 695.1% 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 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 Optasia and its competitors. For the Credit Services industry, the median PB Ratio is 1.03 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Optasia's current PB Ratio is 8.19, which is 31% below median its own 10-year median of 11.83. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Optasia stock overvalued right now?
Optasia (JSE:OPA) has a current PB Ratio of 8.19. The current PB Ratio is 8.19, which is 31% below median its 10-year median of 11.83 and 695.1% above the Credit Services industry median of 1.03. Optasia's overall GF Score™ is 22/100 with 2 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 Optasia (JSE:OPA), the current PB Ratio is 8.19 as of Aug. 31, 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.
Optasia is an AI-powered fintech platform operating a B2B2X model that enables financial institutions, mobile network operators, wallets and digital distributors to offer digital credit products through their customer channels. The Group provides AI-driven decisioning, technology integration and risk management capabilities across emerging markets. Its core business lines are Micro Financing Solutions (MFS), which provides short-duration digital lending through mobile wallet ecosystems, and Airtime Credit Solutions (ACS), which offers airtime, data and bundle advance solutions through mobile network operator channels. Products include XTRA Cash, XTRA Balance, XTRA Time, XTRA, XTRA Bundle and XTRA Buy. It operates across Africa, the Middle East and other countries.
22GF Score
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