Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Jacob Finance And Investments Ltd stock PB Ratio (=1.52) is close to 1-year low of 1.4.
The historical rank and industry rank for Jacob Finance And Investments's PB Ratio or its related term are showing as below:
XTAE:JCFN'
s PB Ratio Range Over the Past 10 Years
Min: 0.73 Med: 1.46 Max: 18.13
Current: 1.49
During the past 8 years, Jacob Finance And Investments's highest PB Ratio was 18.13. The lowest was 0.73. And the median was 1.46.
XTAE:JCFN's PB Ratio is ranked worse than 62.93% of 526
companies
in the Credit Services industry
Industry Median: 1.055
vs XTAE:JCFN: 1.49
During the past 12 months, Jacob Finance And Investments's average Book Value Per Share Growth Rate was 20.20% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 22.90% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 242.60% per year.
During the past 8 years, the highest 3-Year average Book Value Per Share Growth Rate of Jacob Finance And Investments was 835.40% per year. The lowest was 22.90% per year. And the median was 125.30% 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.
Jacob Finance And Investments PB Ratio Related Terms
Jacob Finance And Investments 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, Jacob Finance And Investments'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.
Jacob Finance And Investments PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Jacob Finance And Investments's PB Ratio distribution charts can be found below:
* The bar in red indicates where Jacob Finance And Investments's PB Ratio falls into.
Jacob Finance And Investments PB Ratio Calculation
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.
Jacob Finance And Investments (XTAE:JCFN) has a PB Ratio of 1.49 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 Jacob Finance And Investments and its competitors. This is near median its historical median of 1.46. Over the past decade, Jacob Finance And Investments' PB Ratio has ranged from 0.73 to 18.13. According to the industry distribution chart, Jacob Finance And Investments ranks #331 out of 526 companies in the Credit Services industry, placing it in the top 62.9%.
Is Jacob Finance And Investments' PB Ratio too high?
Jacob Finance And Investments' current PB Ratio of 1.49 is near median its 10-year median of 1.46. Over the past 10 years, this metric has ranged from a low of 0.73 to a high of 18.13. The Credit Services industry median PB Ratio is 1.06. Jacob Finance And Investments' value of 1.49 is 41.2% above this industry median. Based on the distribution chart, Jacob Finance And Investments ranks #331 out of 526 companies in the Credit Services industry, which is below the industry midpoint. Overall, Jacob Finance And Investments has a GF Score™ of 75/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Jacob Finance And Investments' PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Jacob Finance And Investments ranks #331 out of 526 companies for PB Ratio. This places Jacob Finance And Investments in the lower half of its industry. The industry median PB Ratio is 1.06. Jacob Finance And Investments' value of 1.49 is 41.2% above this benchmark. Historically, Jacob Finance And Investments' own PB Ratio has ranged from 0.73 to 18.13 over the past decade. While the company's 10-year median is 1.46 vs. the industry median of 1.06, Jacob Finance And Investments 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 1.06, 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. Jacob Finance And Investments's current PB Ratio of 1.49 is 41.2% 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 Jacob Finance And Investments 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. Jacob Finance And Investments's current PB Ratio is 1.49, which is near median its own 10-year median of 1.46. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Jacob Finance And Investments stock overvalued right now?
Based on GuruFocus' analysis, Jacob Finance And Investments (XTAE:JCFN) is currently considered Fairly Valued. The stock's GF Value™ is ₪27.28, compared to a current price of ₪28.64 — trading 5% above its estimated fair value. The current PB Ratio is 1.49, which is near median its 10-year median of 1.46 and 41.2% above the Credit Services industry median of 1.06. Jacob Finance And Investments' overall GF Score™ is 75/100 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 Jacob Finance And Investments (XTAE:JCFN), the current PB Ratio is 1.49 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 Jacob Finance And Investments (XTAE:JCFN) Overvalued in 2026?
Based on GuruFocus' analysis, Jacob Finance And Investments stock appears to be overvalued.
The current stock price of ₪28.64 is trading 5% above its estimated GF Value™ of ₪27.28.
GuruFocus considers Jacob Finance And Investments to be Fairly Valued.
Key valuation signals for XTAE:JCFN:
PB Ratio: 1.49 (near median its 10-year median of 1.46)
GF Value™: ₪27.28 vs. price of ₪28.64 (5% above fair value)
Industry Position: 41.2% above the Credit Services median (#331 of 526)
No single metric tells the full story. See the XTAE:JCFN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XTAE:JCFN has been successfully added to your 
