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Instant Group AGSTU:CCB 37 PB Ratio is 0.63 as of Jul. 27, 2026, which is 22% below its 10-year median of 0.81. GuruFocus rates STU:CCB with a GF Score™ of 37/100 and a GF Value™ of €1.00 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 778 Capital Markets companies, Instant Group AG ranks better than 78.53% 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 (2026-07-27), Instant Group AG's share price is €1.70. Instant Group AG's Book Value per Share for the quarter that ended in Dec. 2025 was €2.69. Hence, Instant Group AG's PB Ratio of today is 0.63.
Good Sign:
Instant Group AG stock PB Ratio (=0.63) is close to 10-year low of 0.59.
The historical rank and industry rank for Instant Group AG's PB Ratio or its related term are showing as below:
STU:CCB'
s PB Ratio Range Over the Past 10 Years
Min: 0.59 Med: 0.81 Max: 1.92
Current: 0.63
During the past 10 years, Instant Group AG's highest PB Ratio was 1.92. The lowest was 0.59. And the median was 0.81.
STU:CCB's PB Ratio is ranked better than 78.53% of 778
companies
in the Capital Markets industry
Industry Median: 1.305
vs STU:CCB: 0.63
During the past 12 months, Instant Group AG's average Book Value Per Share Growth Rate was -4.80% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was -13.70% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -1.70% per year.
During the past 10 years, the highest 3-Year average Book Value Per Share Growth Rate of Instant Group AG was 33.00% per year. The lowest was -13.70% per year. And the median was 12.40% 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.
Instant Group AG PB Ratio Related Terms
Instant Group AG PB Ratio Historical Data
* Premium members only.
The historical data trend for Instant Group AG'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 Capital Markets subindustry, Instant Group AG'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.
Instant Group AG PB Ratio vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, Instant Group AG's PB Ratio distribution charts can be found below:
* The bar in red indicates where Instant Group AG'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.
Instant Group AG (STU:CCB) has a PB Ratio of 0.63 as of Jul. 27, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Instant Group AG and its competitors. This is 22% below median its historical median of 0.81. Over the past decade, Instant Group AG's PB Ratio has ranged from 0.59 to 1.92. According to the industry distribution chart, Instant Group AG ranks #167 out of 778 companies in the Capital Markets industry, placing it in the top 21.5%.
Is Instant Group AG's PB Ratio too high?
Instant Group AG's current PB Ratio of 0.63 is 22% below median its 10-year median of 0.81. Over the past 10 years, this metric has ranged from a low of 0.59 to a high of 1.92. The Capital Markets industry median PB Ratio is 1.31. Instant Group AG's value of 0.63 is 51.7% below this industry median. Based on the distribution chart, Instant Group AG ranks #167 out of 778 companies in the Capital Markets industry, which is in the top quartile — a strong position relative to peers. Overall, Instant Group AG has a GF Score™ of 37/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Instant Group AG's PB Ratio compare to MS and GS?
According to the Capital Markets industry distribution chart, Instant Group AG ranks #167 out of 778 companies for PB Ratio. This places Instant Group AG in the top 22% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.31. Instant Group AG's value of 0.63 is 51.7% below this benchmark. Historically, Instant Group AG's own PB Ratio has ranged from 0.59 to 1.92 over the past decade. While the company's 10-year median is 0.81 vs. the industry median of 1.31, Instant Group AG has consistently been below 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 Capital Markets company?
The median PB Ratio among Capital Markets companies is 1.31, based on 778 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. Instant Group AG's current PB Ratio of 0.63 is 51.7% below 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 Instant Group AG and its competitors. For the Capital Markets industry, the median PB Ratio is 1.31 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Instant Group AG's current PB Ratio is 0.63, which is 22% below median its own 10-year median of 0.81. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Instant Group AG stock overvalued right now?
Based on GuruFocus' analysis, Instant Group AG (STU:CCB) is currently considered Significantly Overvalued. The stock's GF Value™ is €1.00, compared to a current price of €1.70 — trading 70% above its estimated fair value. The current PB Ratio is 0.63, which is 22% below median its 10-year median of 0.81 and 51.7% below the Capital Markets industry median of 1.31. Instant Group AG's overall GF Score™ is 37/100 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 Instant Group AG (STU:CCB), the current PB Ratio is 0.63 as of Jul. 27, 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 Instant Group AG (STU:CCB) Overvalued in 2026?
Based on GuruFocus' analysis, Instant Group AG stock appears to be overvalued.
The current stock price of €1.70 is trading 70% above its estimated GF Value™ of €1.00.
GuruFocus considers Instant Group AG to be Significantly Overvalued.
Key valuation signals for STU:CCB:
PB Ratio: 0.63 (22% below median its 10-year median of 0.81)
GF Value™: €1.00 vs. price of €1.70 (70% above fair value)
Industry Position: 51.7% below the Capital Markets median (#167 of 778)
No single metric tells the full story. See the STU:CCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Instant Group AG is a holding company. It enables an alternative path of going public without the long-winded, complicated proceedings of the traditional IPO process. It offers companies advice and implementation of IPOs and IPOs via stock market transactions. Its other services include capital market services, company valuations, dual listing, and brochure builds.
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