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Investment Friends SEWAR:IFR 33 PB Ratio is 1.20 as of Jul. 23, 2026, which is 17% above its 10-year median of 1.03. GuruFocus rates WAR:IFR with a GF Score™ of 33/100 and a GF Value™ of zł0.49 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 526 Credit Services companies, Investment Friends SE ranks worse than 54.75% on this metric.
Investment Friends SE stock PB Ratio (=1.17) is close to 3-year low of 1.17.
The historical rank and industry rank for Investment Friends SE's PB Ratio or its related term are showing as below:
WAR:IFR'
s PB Ratio Range Over the Past 10 Years
Min: 0.18 Med: 1.03 Max: 7.28
Current: 1.2
During the past 13 years, Investment Friends SE's highest PB Ratio was 7.28. The lowest was 0.18. And the median was 1.03.
WAR:IFR's PB Ratio is ranked worse than 54.75% of 526
companies
in the Credit Services industry
Industry Median: 1.07
vs WAR:IFR: 1.20
During the past 12 months, Investment Friends SE's average Book Value Per Share Growth Rate was 10.30% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was -12.10% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -11.20% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was -11.90% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Investment Friends SE was 13.20% per year. The lowest was -55.00% per year. And the median was -7.75% per year.
Back to Basics: PB Ratio
Investment Friends SE (WAR:IFR) 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.
* 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, Investment Friends SE'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.
Investment Friends SE PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Investment Friends SE's PB Ratio distribution charts can be found below:
* The bar in red indicates where Investment Friends SE'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.
Investment Friends SE (WAR:IFR) has a PB Ratio of 1.20 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 Investment Friends SE and its competitors. This is 17% above median its historical median of 1.03. Over the past decade, Investment Friends SE's PB Ratio has ranged from 0.18 to 7.28. According to the industry distribution chart, Investment Friends SE ranks #288 out of 526 companies in the Credit Services industry, placing it in the top 54.8%.
Is Investment Friends SE's PB Ratio too high?
Investment Friends SE's current PB Ratio of 1.20 is 17% above median its 10-year median of 1.03. Over the past 10 years, this metric has ranged from a low of 0.18 to a high of 7.28. The Credit Services industry median PB Ratio is 1.07. Investment Friends SE's value of 1.20 is 12.1% above this industry median. Based on the distribution chart, Investment Friends SE ranks #288 out of 526 companies in the Credit Services industry, which is below the industry midpoint. Overall, Investment Friends SE has a GF Score™ of 33/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Investment Friends SE's PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Investment Friends SE ranks #288 out of 526 companies for PB Ratio. This places Investment Friends SE in the lower half of its industry. The industry median PB Ratio is 1.07. Investment Friends SE's value of 1.20 is 12.1% above this benchmark. Historically, Investment Friends SE's own PB Ratio has ranged from 0.18 to 7.28 over the past decade. While the company's 10-year median is 1.03 vs. the industry median of 1.07, Investment Friends SE 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 1.07, 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. Investment Friends SE's current PB Ratio of 1.20 is 12.1% 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 Investment Friends SE and its competitors. For the Credit Services industry, the median PB Ratio is 1.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Investment Friends SE's current PB Ratio is 1.20, which is 17% above median its own 10-year median of 1.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Investment Friends SE stock overvalued right now?
Based on GuruFocus' analysis, Investment Friends SE (WAR:IFR) is currently considered Possible Value Trap. The stock's GF Value™ is zł0.49, compared to a current price of zł0.12 — trading 76.5% below its estimated fair value. The current PB Ratio is 1.20, which is 17% above median its 10-year median of 1.03 and 12.1% above the Credit Services industry median of 1.07. Investment Friends SE's overall GF Score™ is 33/100 with 3 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 Investment Friends SE (WAR:IFR), the current PB Ratio is 1.20 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 Investment Friends SE (WAR:IFR) Overvalued in 2026?
Based on GuruFocus' analysis, Investment Friends SE stock appears to be undervalued.
The current stock price of zł0.12 is trading 76.5% below its estimated GF Value™ of zł0.49.
GuruFocus considers Investment Friends SE to be Possible Value Trap.
Key valuation signals for WAR:IFR:
PB Ratio: 1.20 (17% above median its 10-year median of 1.03)
GF Value™: zł0.49 vs. price of zł0.12 (76.5% below fair value)
Industry Position: 12.1% above the Credit Services median (#288 of 526)
No single metric tells the full story. See the WAR:IFR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Investment Friends SE provides financial services, mainly granting loans and generating revenue from interest on loans granted. The company derives the majority of its revenue from customers in Estonia, with the remainder from Poland. Loans granted to related parties were subsequently invested by those entities in real estate and tradeable securities.
33GF Score
Get the complete analysis for WAR:IFR
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