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ELANA Agrocredit AD SofiaXBUL:EAC 31 PB Ratio is 0.91 as of Aug. 18, 2026, which is 50% below its 10-year median of 1.83. GuruFocus rates XBUL:EAC with a GF Score™ of 31/100 and a GF Value™ of €0.64 (Modestly Undervalued). The stock has 9 warning signs investors should review. Among 526 Credit Services companies, ELANA Agrocredit AD Sofia ranks better than 57.79% on this metric.
ELANA Agrocredit AD Sofia stock PB Ratio (=0.91) is close to 10-year low of 0.85.
The historical rank and industry rank for ELANA Agrocredit AD Sofia's PB Ratio or its related term are showing as below:
XBUL:EAC'
s PB Ratio Range Over the Past 10 Years
Min: 0.85 Med: 1.83 Max: 2.8
Current: 0.91
During the past 13 years, ELANA Agrocredit AD Sofia's highest PB Ratio was 2.80. The lowest was 0.85. And the median was 1.83.
XBUL:EAC's PB Ratio is ranked better than 57.79% of 526
companies
in the Credit Services industry
Industry Median: 1.055
vs XBUL:EAC: 0.91
During the past 12 months, ELANA Agrocredit AD Sofia's average Book Value Per Share Growth Rate was 0.50% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 0.20% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 0.20% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 1.60% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of ELANA Agrocredit AD Sofia was 176.30% per year. The lowest was -0.10% per year. And the median was 2.10% 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.
ELANA Agrocredit AD Sofia PB Ratio Related Terms
ELANA Agrocredit AD Sofia 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, ELANA Agrocredit AD Sofia'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.
ELANA Agrocredit AD Sofia PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, ELANA Agrocredit AD Sofia's PB Ratio distribution charts can be found below:
* The bar in red indicates where ELANA Agrocredit AD Sofia'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.
ELANA Agrocredit AD Sofia (XBUL:EAC) has a PB Ratio of 0.91 as of Aug. 18, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on ELANA Agrocredit AD Sofia and its competitors. This is 50% below median its historical median of 1.83. Over the past decade, ELANA Agrocredit AD Sofia's PB Ratio has ranged from 0.85 to 2.80. According to the industry distribution chart, ELANA Agrocredit AD Sofia ranks #222 out of 526 companies in the Credit Services industry, placing it in the top 42.2%.
Is ELANA Agrocredit AD Sofia's PB Ratio too high?
ELANA Agrocredit AD Sofia's current PB Ratio of 0.91 is 50% below median its 10-year median of 1.83. Over the past 10 years, this metric has ranged from a low of 0.85 to a high of 2.80. The Credit Services industry median PB Ratio is 1.06. ELANA Agrocredit AD Sofia's value of 0.91 is 13.7% below this industry median. Based on the distribution chart, ELANA Agrocredit AD Sofia ranks #222 out of 526 companies in the Credit Services industry, which is above the industry midpoint. Overall, ELANA Agrocredit AD Sofia has a GF Score™ of 31/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does ELANA Agrocredit AD Sofia's PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, ELANA Agrocredit AD Sofia ranks #222 out of 526 companies for PB Ratio. This puts ELANA Agrocredit AD Sofia in the upper half of its industry. The industry median PB Ratio is 1.06. ELANA Agrocredit AD Sofia's value of 0.91 is 13.7% below this benchmark. Historically, ELANA Agrocredit AD Sofia's own PB Ratio has ranged from 0.85 to 2.80 over the past decade. While the company's 10-year median is 1.83 vs. the industry median of 1.06, ELANA Agrocredit AD Sofia 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 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. ELANA Agrocredit AD Sofia's current PB Ratio of 0.91 is 13.7% 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 ELANA Agrocredit AD Sofia 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. ELANA Agrocredit AD Sofia's current PB Ratio is 0.91, which is 50% below median its own 10-year median of 1.83. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ELANA Agrocredit AD Sofia stock overvalued right now?
Based on GuruFocus' analysis, ELANA Agrocredit AD Sofia (XBUL:EAC) is currently considered Modestly Undervalued. The stock's GF Value™ is €0.64, compared to a current price of €0.53 — trading 17.2% below its estimated fair value. The current PB Ratio is 0.91, which is 50% below median its 10-year median of 1.83 and 13.7% below the Credit Services industry median of 1.06. ELANA Agrocredit AD Sofia's overall GF Score™ is 31/100 with 9 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 ELANA Agrocredit AD Sofia (XBUL:EAC), the current PB Ratio is 0.91 as of Aug. 18, 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 ELANA Agrocredit AD Sofia (XBUL:EAC) Overvalued in 2026?
Based on GuruFocus' analysis, ELANA Agrocredit AD Sofia stock appears to be undervalued.
The current stock price of €0.53 is trading 17.2% below its estimated GF Value™ of €0.64.
GuruFocus considers ELANA Agrocredit AD Sofia to be Modestly Undervalued.
Key valuation signals for XBUL:EAC:
PB Ratio: 0.91 (50% below median its 10-year median of 1.83)
GF Value™: €0.64 vs. price of €0.53 (17.2% below fair value)
Industry Position: 13.7% below the Credit Services median (#222 of 526)
No single metric tells the full story. See the XBUL:EAC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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