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Industrial Investment TrustLUX:INITL 63 PB Ratio is 1.20 as of Jul. 20, 2026, which is 103% above its 10-year median of 0.59. GuruFocus rates LUX:INITL with a GF Score™ of 63/100 and a GF Value™ of $7.46. The stock has 1 warning sign investors should review. Among 526 Credit Services companies, Industrial Investment Trust ranks better than 71.48% on this metric.
Industrial Investment Trust Ltd stock PB Ratio (=0.67) is close to 3-year low of 0.65.
The historical rank and industry rank for Industrial Investment Trust's PB Ratio or its related term are showing as below:
LUX:INITL'
s PB Ratio Range Over the Past 10 Years
Min: 0.34 Med: 0.59 Max: 2.03
Current: 0.67
During the past 13 years, Industrial Investment Trust's highest PB Ratio was 2.03. The lowest was 0.34. And the median was 0.59.
LUX:INITL's PB Ratio is ranked better than 71.48% of 526
companies
in the Credit Services industry
Industry Median: 1.06
vs LUX:INITL: 0.67
During the past 12 months, Industrial Investment Trust's average Book Value Per Share Growth Rate was -2.80% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 4.80% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 8.70% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was -1.10% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Industrial Investment Trust was 45.10% per year. The lowest was -12.40% per year. And the median was 4.80% per year.
Back to Basics: PB Ratio
Industrial Investment Trust (LUX:INITL) PB Ratio Explanation
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.
Industrial Investment Trust PB Ratio Related Terms
Industrial Investment Trust PB Ratio Historical Data
* 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, Industrial Investment Trust'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.
Industrial Investment Trust PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Industrial Investment Trust's PB Ratio distribution charts can be found below:
* The bar in red indicates where Industrial Investment Trust'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.
Industrial Investment Trust (LUX:INITL) has a PB Ratio of 1.20 as of Jul. 20, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Industrial Investment Trust and its competitors. This is 103% above median its historical median of 0.59. Over the past decade, Industrial Investment Trust's PB Ratio has ranged from 0.34 to 2.03. According to the industry distribution chart, Industrial Investment Trust ranks #150 out of 526 companies in the Credit Services industry, placing it in the top 28.5%.
Is Industrial Investment Trust's PB Ratio too high?
Industrial Investment Trust's current PB Ratio of 1.20 is 103% above median its 10-year median of 0.59. Over the past 10 years, this metric has ranged from a low of 0.34 to a high of 2.03. The Credit Services industry median PB Ratio is 1.06. Industrial Investment Trust's value of 1.20 is 13.2% above this industry median. Based on the distribution chart, Industrial Investment Trust ranks #150 out of 526 companies in the Credit Services industry, which is above the industry midpoint. Overall, Industrial Investment Trust has a GF Score™ of 63/100, reflecting its overall financial health beyond just this single metric.
How does Industrial Investment Trust's PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Industrial Investment Trust ranks #150 out of 526 companies for PB Ratio. This puts Industrial Investment Trust in the upper half of its industry. The industry median PB Ratio is 1.06. Industrial Investment Trust's value of 1.20 is 13.2% above this benchmark. Historically, Industrial Investment Trust's own PB Ratio has ranged from 0.34 to 2.03 over the past decade. While the company's 10-year median is 0.59 vs. the industry median of 1.06, Industrial Investment Trust 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 1.06, based on 526 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. Industrial Investment Trust's current PB Ratio of 1.20 is 13.2% 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 Industrial Investment Trust and its competitors. For the Credit Services industry, the median PB Ratio is 1.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Industrial Investment Trust's current PB Ratio is 1.20, which is 103% above median its own 10-year median of 0.59. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Industrial Investment Trust stock overvalued right now?
Industrial Investment Trust (LUX:INITL) has a current PB Ratio of 1.20. The stock's GF Value™ is $7.46, compared to a current price of $4.92 — trading 34% below its estimated fair value. The current PB Ratio is 1.20, which is 103% above median its 10-year median of 0.59 and 13.2% above the Credit Services industry median of 1.06. Industrial Investment Trust's overall GF Score™ is 63/100 with 1 warning sign 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 Industrial Investment Trust (LUX:INITL), the current PB Ratio is 1.20 as of Jul. 20, 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 Industrial Investment Trust (LUX:INITL) Overvalued in 2026?
Based on GuruFocus' analysis, Industrial Investment Trust stock appears to be undervalued.
The current stock price of $4.92 is trading 34% below its estimated GF Value™ of $7.46.
Key valuation signals for LUX:INITL:
PB Ratio: 1.20 (103% above median its 10-year median of 0.59)
GF Value™: $7.46 vs. price of $4.92 (34% below fair value)
Industry Position: 13.2% above the Credit Services median (#150 of 526)
No single metric tells the full story. See the LUX:INITL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Industrial Investment Trust Ltd is principally a non-banking financial company. Along with its subsidiaries, the company has four principal operating and reporting segments: Investment Activity, Lending Activity, Real Estate, and Others. The majority of its revenue is generated from the Lending Activity.
63GF Score
Get the complete analysis for LUX:INITL
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