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Paysera Bulgaria JSCXBUL:PAY 13 PB Ratio is 2.54 as of Sep. 20, 2026, which is 44% below its 10-year median of 4.54. GuruFocus rates XBUL:PAY with a GF Score™ of 13/100. The stock has 2 warning signs investors should review. Among 2,634 Software companies, Paysera Bulgaria JSC ranks worse than 51.21% on this metric.
The historical rank and industry rank for Paysera Bulgaria JSC's PB Ratio or its related term are showing as below:
XBUL:PAY'
s PB Ratio Range Over the Past 10 Years
Min: 1.19 Med: 4.54 Max: 13.77
Current: 2.56
During the past 5 years, Paysera Bulgaria JSC's highest PB Ratio was 13.77. The lowest was 1.19. And the median was 4.54.
XBUL:PAY's PB Ratio is ranked worse than 51.21% of 2634
companies
in the Software industry
Industry Median: 2.475
vs XBUL:PAY: 2.56
During the past 12 months, Paysera Bulgaria JSC's average Book Value Per Share Growth Rate was -34.30% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was -0.80% per year.
During the past 5 years, the highest 3-Year average Book Value Per Share Growth Rate of Paysera Bulgaria JSC was 44.70% per year. The lowest was -0.80% per year. And the median was 21.95% 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.
Paysera Bulgaria JSC PB Ratio Related Terms
Paysera Bulgaria JSC PB Ratio Historical Data
* Premium members only.
The historical data trend for Paysera Bulgaria JSC'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 Software - Infrastructure subindustry, Paysera Bulgaria JSC'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.
Paysera Bulgaria JSC PB Ratio vs Software Industry
For the Software industry and Technology sector, Paysera Bulgaria JSC's PB Ratio distribution charts can be found below:
* The bar in red indicates where Paysera Bulgaria JSC'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.
Paysera Bulgaria JSC (XBUL:PAY) has a PB Ratio of 2.54 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 Paysera Bulgaria JSC and its competitors. This is 44% below median its historical median of 4.54. Over the past decade, Paysera Bulgaria JSC's PB Ratio has ranged from 1.19 to 13.77. According to the industry distribution chart, Paysera Bulgaria JSC ranks #1349 out of 2634 companies in the Software industry, placing it in the top 51.2%.
Is Paysera Bulgaria JSC's PB Ratio too high?
Paysera Bulgaria JSC's current PB Ratio of 2.54 is 44% below median its 10-year median of 4.54. Over the past 10 years, this metric has ranged from a low of 1.19 to a high of 13.77. The Software industry median PB Ratio is 2.48. Paysera Bulgaria JSC's value of 2.54 is 2.6% above this industry median. Based on the distribution chart, Paysera Bulgaria JSC ranks #1349 out of 2634 companies in the Software industry, which is below the industry midpoint. Overall, Paysera Bulgaria JSC has a GF Score™ of 13/100, reflecting its overall financial health beyond just this single metric.
How does Paysera Bulgaria JSC's PB Ratio compare to MSFT and PLTR?
According to the Software industry distribution chart, Paysera Bulgaria JSC ranks #1349 out of 2634 companies for PB Ratio. This places Paysera Bulgaria JSC in the lower half of its industry. The industry median PB Ratio is 2.48. Paysera Bulgaria JSC's value of 2.54 is 2.6% above this benchmark. Historically, Paysera Bulgaria JSC's own PB Ratio has ranged from 1.19 to 13.77 over the past decade. While the company's 10-year median is 4.54 vs. the industry median of 2.48, Paysera Bulgaria JSC 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 Software company?
The median PB Ratio among Software companies is 2.48, based on 2,634 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. Paysera Bulgaria JSC's current PB Ratio of 2.54 is 2.6% 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 Paysera Bulgaria JSC and its competitors. For the Software industry, the median PB Ratio is 2.48 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Paysera Bulgaria JSC's current PB Ratio is 2.54, which is 44% below median its own 10-year median of 4.54. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Paysera Bulgaria JSC stock overvalued right now?
Paysera Bulgaria JSC (XBUL:PAY) has a current PB Ratio of 2.54. The current PB Ratio is 2.54, which is 44% below median its 10-year median of 4.54 and 2.6% above the Software industry median of 2.48. Paysera Bulgaria JSC's overall GF Score™ is 13/100 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 Paysera Bulgaria JSC (XBUL:PAY), the current PB Ratio is 2.54 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.
Paysera Bulgaria JSC operates in Bulgaria and Romania. The company provides services related to electronic money issuance and redemption, domestic and international money transfers, payment gateway solutions for e-commerce, POS terminals, debit cards, event ticketing through Paysera Tickets, QR-based retailer payments, and gold trading and storage. Its operations include marketing, sales, customer service, and technical support adapted for the local markets.
13GF Score
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