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FiinuSTU:LWW -10.45% PB Ratio is 15.00 as of Sep. 20, 2026, which is 56% above its 10-year median of 9.64. The stock has 6 warning signs investors should review. Among 528 Credit Services companies, Fiinu ranks worse than 98.86% 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 (2026-09-20), Fiinu's share price is €0.03. Fiinu's Book Value per Share for the quarter that ended in Jun. 2026 was €0.00. Hence, Fiinu's PB Ratio of today is 15.00.
Warning Sign:
Fiinu PLC stock PB Ratio (=35) is close to 1-year high of 35.
The historical rank and industry rank for Fiinu's PB Ratio or its related term are showing as below:
STU:LWW'
s PB Ratio Range Over the Past 10 Years
Min: 4.64 Med: 9.64 Max: 35.51
Current: 30.89
During the past 13 years, Fiinu's highest PB Ratio was 35.51. The lowest was 4.64. And the median was 9.64.
STU:LWW's PB Ratio is ranked worse than 98.86% of 528
companies
in the Credit Services industry
Industry Median: 1.01
vs STU:LWW: 30.89
During the past 3 years, the average Book Value Per Share Growth Rate was -36.20% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Fiinu was -15.70% per year. The lowest was -36.20% per year. And the median was -25.95% 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.
Fiinu PB Ratio Related Terms
Fiinu PB Ratio Historical Data
* Premium members only.
The historical data trend for Fiinu'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, Fiinu'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.
Fiinu PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Fiinu's PB Ratio distribution charts can be found below:
* The bar in red indicates where Fiinu'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.
Fiinu'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.
Fiinu (STU:LWW) has a PB Ratio of 15.00 as of Sep. 20, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Fiinu and its competitors. This is 56% above median its historical median of 9.64. Over the past decade, Fiinu's PB Ratio has ranged from 4.64 to 35.51. According to the industry distribution chart, Fiinu ranks #522 out of 528 companies in the Credit Services industry, placing it in the top 98.9%.
Is Fiinu's PB Ratio too high?
Fiinu's current PB Ratio of 15.00 is 56% above median its 10-year median of 9.64. Over the past 10 years, this metric has ranged from a low of 4.64 to a high of 35.51. The Credit Services industry median PB Ratio is 1.01. Fiinu's value of 15.00 is 1385.1% above this industry median. Based on the distribution chart, Fiinu ranks #522 out of 528 companies in the Credit Services industry, which is in the bottom quartile relative to peers.
How does Fiinu's PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Fiinu ranks #522 out of 528 companies for PB Ratio. This places Fiinu in the lower half of its industry. The industry median PB Ratio is 1.01. Fiinu's value of 15.00 is 1385.1% above this benchmark. Historically, Fiinu's own PB Ratio has ranged from 4.64 to 35.51 over the past decade. While the company's 10-year median is 9.64 vs. the industry median of 1.01, Fiinu 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 528 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. Fiinu's current PB Ratio of 15.00 is 1385.1% 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 Fiinu 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. Fiinu's current PB Ratio is 15.00, which is 56% above median its own 10-year median of 9.64. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Fiinu stock overvalued right now?
Fiinu (STU:LWW) has a current PB Ratio of 15.00. The current PB Ratio is 15.00, which is 56% above median its 10-year median of 9.64 and 1385.1% above the Credit Services industry median of 1.01. 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 Fiinu (STU:LWW), the current PB Ratio is 15.00 as of Sep. 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.
Fiinu PLC is a digital banking platform intended to unbundle overdraft solutions without needing to switch banks. The company offers led interest income, deposit margin banking infrastructure provider and helps to manage budget or those short-term unexpected costs, in a simple and responsible way, thereby assisting individuals with short-term unexpected expenses while maintaining financial prudence to reshape banking into a hassle-free, transparent, and efficient journey.
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