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PBT HoldingsJSE:PBT 79 PB Ratio is 2.72 as of Jul. 23, 2026, which is 56% above its 10-year median of 1.74. GuruFocus rates JSE:PBT with a GF Score™ of 79/100 and a GF Value™ of R7.37 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 2,634 Software companies, PBT Holdings ranks worse than 56.57% 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 (2026-07-23), PBT Holdings's share price is R6.50. PBT Holdings's Book Value per Share for the quarter that ended in Mar. 2026 was R2.39. Hence, PBT Holdings's PB Ratio of today is 2.72.
Warning Sign:
PBT Holdings Ltd stock PB Ratio (=2.76) is close to 10-year high of 2.94.
The historical rank and industry rank for PBT Holdings's PB Ratio or its related term are showing as below:
JSE:PBT'
s PB Ratio Range Over the Past 10 Years
Min: 0.38 Med: 1.74 Max: 2.94
Current: 2.71
During the past 13 years, PBT Holdings's highest PB Ratio was 2.94. The lowest was 0.38. And the median was 1.74.
JSE:PBT's PB Ratio is ranked worse than 56.57% of 2634
companies
in the Software industry
Industry Median: 2.36
vs JSE:PBT: 2.71
During the past 12 months, PBT Holdings's average Book Value Per Share Growth Rate was -6.30% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was -15.00% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -11.40% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was -2.80% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of PBT Holdings was 23.80% per year. The lowest was -51.90% per year. And the median was -11.75% 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.
PBT Holdings PB Ratio Related Terms
PBT Holdings PB Ratio Historical Data
* Premium members only.
The historical data trend for PBT Holdings'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 Information Technology Services subindustry, PBT 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.
PBT Holdings PB Ratio vs Software Industry
For the Software industry and Technology sector, PBT Holdings's PB Ratio distribution charts can be found below:
* The bar in red indicates where PBT 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.
PBT Holdings'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.
PBT Holdings (JSE:PBT) has a PB Ratio of 2.72 as of Jul. 23, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on PBT Holdings and its competitors. This is 56% above median its historical median of 1.74. Over the past decade, PBT Holdings' PB Ratio has ranged from 0.38 to 2.94. According to the industry distribution chart, PBT Holdings ranks #1490 out of 2634 companies in the Software industry, placing it in the top 56.6%.
Is PBT Holdings' PB Ratio too high?
PBT Holdings' current PB Ratio of 2.72 is 56% above median its 10-year median of 1.74. Over the past 10 years, this metric has ranged from a low of 0.38 to a high of 2.94. The Software industry median PB Ratio is 2.36. PBT Holdings' value of 2.72 is 15.3% above this industry median. Based on the distribution chart, PBT Holdings ranks #1490 out of 2634 companies in the Software industry, which is below the industry midpoint. Overall, PBT Holdings has a GF Score™ of 79/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PBT Holdings' PB Ratio compare to IBM and ACN?
According to the Software industry distribution chart, PBT Holdings ranks #1490 out of 2634 companies for PB Ratio. This places PBT Holdings in the lower half of its industry. The industry median PB Ratio is 2.36. PBT Holdings' value of 2.72 is 15.3% above this benchmark. Historically, PBT Holdings' own PB Ratio has ranged from 0.38 to 2.94 over the past decade. While the company's 10-year median is 1.74 vs. the industry median of 2.36, PBT 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 Software company?
The median PB Ratio among Software companies is 2.36, based on 2,634 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. PBT Holdings's current PB Ratio of 2.72 is 15.3% 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 PBT Holdings and its competitors. For the Software industry, the median PB Ratio is 2.36 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PBT Holdings's current PB Ratio is 2.72, which is 56% above median its own 10-year median of 1.74. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PBT Holdings stock overvalued right now?
Based on GuruFocus' analysis, PBT Holdings (JSE:PBT) is currently considered Modestly Undervalued. The stock's GF Value™ is R7.37, compared to a current price of R6.50 — trading 11.8% below its estimated fair value. The current PB Ratio is 2.72, which is 56% above median its 10-year median of 1.74 and 15.3% above the Software industry median of 2.36. PBT Holdings' overall GF Score™ is 79/100 with 4 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 PBT Holdings (JSE:PBT), the current PB Ratio is 2.72 as of Jul. 23, 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 PBT Holdings (JSE:PBT) Overvalued in 2026?
Based on GuruFocus' analysis, PBT Holdings stock appears to be undervalued.
The current stock price of R6.50 is trading 11.8% below its estimated GF Value™ of R7.37.
GuruFocus considers PBT Holdings to be Modestly Undervalued.
Key valuation signals for JSE:PBT:
PB Ratio: 2.72 (56% above median its 10-year median of 1.74)
GF Value™: R7.37 vs. price of R6.50 (11.8% below fair value)
Industry Position: 15.3% above the Software median (#1490 of 2634)
No single metric tells the full story. See the JSE:PBT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PBT Holdings Ltd, formerly known as PBT Group Ltd, is a South African-based company that offers information management and data analytics services. It serves finance, insurance, telecommunications, retail, petroleum and medical healthcare industries. The services provided by the company include data engineering, analytics and visualization, artificial intelligence, managed solutions, advisory and strategic services, application development and others. Its operating segments are based on geographical locations namely South Africa, Europe and the United Kingdom. The segment includes consulting and implementation of data, management information software and healthcare administration services provided in the Republic of South Africa, Europe, the United Kingdom, and also Australia.
79GF Score
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