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Jianpu TechnologyAIJTY -0.78%41 PB Ratio is 0.41 as of Jul. 31, 2026, which is 15% below its 10-year median of 0.48. GuruFocus rates AIJTY with a GF Score™ of 41/100 and a GF Value™ of $0.83 (Fairly Valued). The stock has 3 warning signs investors should review. Among 525 Credit Services companies, Jianpu Technology ranks better than 86.29% on this metric.
The historical rank and industry rank for Jianpu Technology's PB Ratio or its related term are showing as below:
AIJTY'
s PB Ratio Range Over the Past 10 Years
Min: 0.06 Med: 0.48 Max: 162.6
Current: 0.41
During the past 11 years, Jianpu Technology's highest PB Ratio was 162.60. The lowest was 0.06. And the median was 0.48.
AIJTY's PB Ratio is ranked better than 86.29% of 525
companies
in the Credit Services industry
Industry Median: 1.06
vs AIJTY: 0.41
During the past 12 months, Jianpu Technology's average Book Value Per Share Growth Rate was -45.80% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was -10.50% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -11.80% per year.
During the past 11 years, the highest 3-Year average Book Value Per Share Growth Rate of Jianpu Technology was 168.70% per year. The lowest was -30.60% per year. And the median was -18.40% 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.
Jianpu Technology PB Ratio Related Terms
Jianpu Technology PB Ratio Historical Data
* Premium members only.
The historical data trend for Jianpu Technology'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, Jianpu Technology'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.
Jianpu Technology PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Jianpu Technology's PB Ratio distribution charts can be found below:
* The bar in red indicates where Jianpu Technology'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.
Jianpu Technology (AIJTY) has a PB Ratio of 0.41 as of Jul. 31, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Jianpu Technology and its competitors. This is 15% below median its historical median of 0.48. Over the past decade, Jianpu Technology's PB Ratio has ranged from 0.06 to 162.60. According to the industry distribution chart, Jianpu Technology ranks #72 out of 525 companies in the Credit Services industry, placing it in the top 13.7%.
Is Jianpu Technology's PB Ratio too high?
Jianpu Technology's current PB Ratio of 0.41 is 15% below median its 10-year median of 0.48. Over the past 10 years, this metric has ranged from a low of 0.06 to a high of 162.60. The Credit Services industry median PB Ratio is 1.06. Jianpu Technology's value of 0.41 is 61.3% below this industry median. Based on the distribution chart, Jianpu Technology ranks #72 out of 525 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Jianpu Technology has a GF Score™ of 41/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Jianpu Technology's PB Ratio compare to JF and SPST?
According to the Credit Services industry distribution chart, Jianpu Technology ranks #72 out of 525 companies for PB Ratio. This places Jianpu Technology in the top 14% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.06. Jianpu Technology's value of 0.41 is 61.3% below this benchmark. Historically, Jianpu Technology's own PB Ratio has ranged from 0.06 to 162.60 over the past decade. While the company's 10-year median is 0.48 vs. the industry median of 1.06, Jianpu Technology 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 525 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. Jianpu Technology's current PB Ratio of 0.41 is 61.3% 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 Jianpu Technology 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. Jianpu Technology's current PB Ratio is 0.41, which is 15% below median its own 10-year median of 0.48. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Jianpu Technology stock overvalued right now?
Based on GuruFocus' analysis, Jianpu Technology (AIJTY) is currently considered Fairly Valued. The stock's GF Value™ is $0.83, compared to a current price of $0.84 — trading 1.7% above its estimated fair value. The current PB Ratio is 0.41, which is 15% below median its 10-year median of 0.48 and 61.3% below the Credit Services industry median of 1.06. Jianpu Technology's overall GF Score™ is 41/100 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 Jianpu Technology (AIJTY), the current PB Ratio is 0.41 as of Jul. 31, 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 Jianpu Technology (AIJTY) Overvalued in 2026?
Based on GuruFocus' analysis, Jianpu Technology stock appears to be overvalued.
The current stock price of $0.84 is trading 1.7% above its estimated GF Value™ of $0.83.
GuruFocus considers Jianpu Technology to be Fairly Valued.
Key valuation signals for AIJTY:
PB Ratio: 0.41 (15% below median its 10-year median of 0.48)
GF Value™: $0.83 vs. price of $0.84 (1.7% above fair value)
Industry Position: 61.3% below the Credit Services median (#72 of 525)
No single metric tells the full story. See the AIJTY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Jianpu Technology Inc is an independent open platform for providing online discovery and recommendation services for financial products in China. The company provides users with personalized search results and recommendations services such as loan applications, credit card services, and advertising and marketing services to its financial needs and credit profile. The individual users have access to financial products through the platform, including credit cards, and wealth management products. In addition, it also offers data risk management solutions to financial service providers which help in application approval, fraud detection and prevention, and other credit underwriting processes.
41GF Score
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