Raiz InvestASX:RZI -3.57%50 PB Ratio is 1.30 as of Jun. 26, 2026, which is 16% below its 10-year median of 1.55. GuruFocus rates ASX:RZI with a GF Score™ of 50/100 and a GF Value™ of A$0.64 (Modestly Undervalued). Among 2,624 Software companies, Raiz Invest ranks better than 73.21% on this metric.
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. As of today (2026-06-26), Raiz Invest's share price is A$0.54. Raiz Invest's Book Value per Share for the quarter that ended in Dec. 2025 was A$0.42. Hence, Raiz Invest's PB Ratio of today is 1.30.
Good Sign:
Raiz Invest Ltd stock PB Ratio (=1.33) is close to 1-year low of 1.33.
The historical rank and industry rank for Raiz Invest's PB Ratio or its related term are showing as below:
ASX:RZI'
s PB Ratio Range Over the Past 10 Years
Min: 0.64 Med: 1.55 Max: 4.8
Current: 1.29
During the past 9 years, Raiz Invest's highest PB Ratio was 4.80. The lowest was 0.64. And the median was 1.55.
ASX:RZI's PB Ratio is ranked better than 73.21% of 2624
companies
in the Software industry
Industry Median: 2.32
vs ASX:RZI: 1.29
During the past 12 months, Raiz Invest's average Book Value Per Share Growth Rate was 11.80% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was -9.40% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -3.10% per year.
During the past 9 years, the highest 3-Year average Book Value Per Share Growth Rate of Raiz Invest was 8.60% per year. The lowest was -35.70% per year. And the median was -3.50% 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.
Raiz Invest PB Ratio Related Terms
Raiz Invest PB Ratio Historical Data
* Premium members only.
The historical data trend for Raiz Invest'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, Raiz Invest'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.
Raiz Invest PB Ratio vs Software Industry
For the Software industry and Technology sector, Raiz Invest's PB Ratio distribution charts can be found below:
* The bar in red indicates where Raiz Invest'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.
Raiz Invest's PB Ratio for today is calculated as follows:
* 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.
Raiz Invest (ASX:RZI) has a PB Ratio of 1.30 as of Jun. 26, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Raiz Invest and its competitors. This is 16% below median its historical median of 1.55. Over the past decade, Raiz Invest's PB Ratio has ranged from 0.64 to 4.80. According to the industry distribution chart, Raiz Invest ranks #703 out of 2624 companies in the Software industry, placing it in the top 26.8%.
Is Raiz Invest's PB Ratio too high?
Raiz Invest's current PB Ratio of 1.30 is 16% below median its 10-year median of 1.55. Over the past 10 years, this metric has ranged from a low of 0.64 to a high of 4.80. The Software industry median PB Ratio is 2.32. Raiz Invest's value of 1.30 is 44% below this industry median. Based on the distribution chart, Raiz Invest ranks #703 out of 2624 companies in the Software industry, which is above the industry midpoint. Overall, Raiz Invest has a GF Score™ of 50/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Raiz Invest's PB Ratio compare to MSFT and ORCL?
According to the Software industry distribution chart, Raiz Invest ranks #703 out of 2624 companies for PB Ratio. This puts Raiz Invest in the upper half of its industry. The industry median PB Ratio is 2.32. Raiz Invest's value of 1.30 is 44% below this benchmark. Historically, Raiz Invest's own PB Ratio has ranged from 0.64 to 4.80 over the past decade. While the company's 10-year median is 1.55 vs. the industry median of 2.32, Raiz Invest 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 Software company?
The median PB Ratio among Software companies is 2.32, based on 2,624 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. Raiz Invest's current PB Ratio of 1.30 is 44% 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 Raiz Invest and its competitors. For the Software industry, the median PB Ratio is 2.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Raiz Invest's current PB Ratio is 1.30, which is 16% below median its own 10-year median of 1.55. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Raiz Invest stock overvalued right now?
Based on GuruFocus' analysis, Raiz Invest (ASX:RZI) is currently considered Modestly Undervalued. The stock's GF Value™ is A$0.64, compared to a current price of A$0.54 — trading 15.6% below its estimated fair value. The current PB Ratio is 1.30, which is 16% below median its 10-year median of 1.55 and 44% below the Software industry median of 2.32. Raiz Invest's overall GF Score™ is 50/100. 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 Raiz Invest (ASX:RZI), the current PB Ratio is 1.30 as of Jun. 26, 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 Raiz Invest (ASX:RZI) Overvalued in 2026?
Based on GuruFocus' analysis, Raiz Invest stock appears to be undervalued.
The current stock price of A$0.54 is trading 15.6% below its estimated GF Value™ of A$0.64.
GuruFocus considers Raiz Invest to be Modestly Undervalued.
Key valuation signals for ASX:RZI:
PB Ratio: 1.30 (16% below median its 10-year median of 1.55)
GF Value™: A$0.64 vs. price of A$0.54 (15.6% below fair value)
Industry Position: 44% below the Software median (#703 of 2624)
No single metric tells the full story. See the ASX:RZI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Raiz Invest Ltd provides financial services and products through its mobile-first micro-investing platform which offers its customers an easy way to regularly invest either small or large amounts of money using the Raiz mobile application or through the Raiz website in Australia. The company products include Raiz Rewards, Raiz Kids, and Raiz Property Fund.
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