Austriacard Holdings AGATH:ACAG 88 PB Ratio is 2.64 as of Jul. 05, 2026, which is 47% above its 10-year median of 1.79. GuruFocus rates ATH:ACAG with a GF Score™ of 88/100 and a GF Value™ of €6.05 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 2,627 Software companies, Austriacard Holdings AG ranks worse than 53.44% on this metric.
Austriacard Holdings AG stock PB Ratio (=2.64) is close to 3-year high of 2.65.
The historical rank and industry rank for Austriacard Holdings AG's PB Ratio or its related term are showing as below:
ATH:ACAG'
s PB Ratio Range Over the Past 10 Years
Min: 1.38 Med: 1.79 Max: 3.63
Current: 2.64
During the past 7 years, Austriacard Holdings AG's highest PB Ratio was 3.63. The lowest was 1.38. And the median was 1.79.
ATH:ACAG's PB Ratio is ranked worse than 53.44% of 2627
companies
in the Software industry
Industry Median: 2.42
vs ATH:ACAG: 2.64
During the past 12 months, Austriacard Holdings AG's average Book Value Per Share Growth Rate was 7.50% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 21.50% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 23.00% per year.
During the past 7 years, the highest 3-Year average Book Value Per Share Growth Rate of Austriacard Holdings AG was 27.80% per year. The lowest was 16.30% per year. And the median was 24.05% per year.
Back to Basics: PB Ratio
Austriacard Holdings AG (ATH:ACAG) PB Ratio Explanation
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.
* 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 Information Technology Services subindustry, Austriacard Holdings AG'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.
Austriacard Holdings AG PB Ratio vs Software Industry
For the Software industry and Technology sector, Austriacard Holdings AG's PB Ratio distribution charts can be found below:
* The bar in red indicates where Austriacard Holdings AG'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.
Austriacard Holdings AG (ATH:ACAG) has a PB Ratio of 2.64 as of Jul. 05, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Austriacard Holdings AG and its competitors. This is 47% above median its historical median of 1.79. Over the past decade, Austriacard Holdings AG's PB Ratio has ranged from 1.38 to 3.63. According to the industry distribution chart, Austriacard Holdings AG ranks #1404 out of 2627 companies in the Software industry, placing it in the top 53.4%.
Is Austriacard Holdings AG's PB Ratio too high?
Austriacard Holdings AG's current PB Ratio of 2.64 is 47% above median its 10-year median of 1.79. Over the past 10 years, this metric has ranged from a low of 1.38 to a high of 3.63. The Software industry median PB Ratio is 2.42. Austriacard Holdings AG's value of 2.64 is 9.1% above this industry median. Based on the distribution chart, Austriacard Holdings AG ranks #1404 out of 2627 companies in the Software industry, which is below the industry midpoint. Overall, Austriacard Holdings AG has a GF Score™ of 88/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Austriacard Holdings AG's PB Ratio compare to IBM and ACN?
According to the Software industry distribution chart, Austriacard Holdings AG ranks #1404 out of 2627 companies for PB Ratio. This places Austriacard Holdings AG in the lower half of its industry. The industry median PB Ratio is 2.42. Austriacard Holdings AG's value of 2.64 is 9.1% above this benchmark. Historically, Austriacard Holdings AG's own PB Ratio has ranged from 1.38 to 3.63 over the past decade. While the company's 10-year median is 1.79 vs. the industry median of 2.42, Austriacard Holdings AG 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 2.42, based on 2,627 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. Austriacard Holdings AG's current PB Ratio of 2.64 is 9.1% 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 Austriacard Holdings AG and its competitors. For the Software industry, the median PB Ratio is 2.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Austriacard Holdings AG's current PB Ratio is 2.64, which is 47% above median its own 10-year median of 1.79. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Austriacard Holdings AG stock overvalued right now?
Based on GuruFocus' analysis, Austriacard Holdings AG (ATH:ACAG) is currently considered Significantly Overvalued. The stock's GF Value™ is €6.05, compared to a current price of €9.74 — trading 61% above its estimated fair value. The current PB Ratio is 2.64, which is 47% above median its 10-year median of 1.79 and 9.1% above the Software industry median of 2.42. Austriacard Holdings AG's overall GF Score™ is 88/100 with 6 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 Austriacard Holdings AG (ATH:ACAG), the current PB Ratio is 2.64 as of Jul. 05, 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 Austriacard Holdings AG (ATH:ACAG) Overvalued in 2026?
Based on GuruFocus' analysis, Austriacard Holdings AG stock appears to be overvalued.
The current stock price of €9.74 is trading 61% above its estimated GF Value™ of €6.05.
GuruFocus considers Austriacard Holdings AG to be Significantly Overvalued.
Key valuation signals for ATH:ACAG:
PB Ratio: 2.64 (47% above median its 10-year median of 1.79)
GF Value™: €6.05 vs. price of €9.74 (61% above fair value)
Industry Position: 9.1% above the Software median (#1404 of 2627)
No single metric tells the full story. See the ATH:ACAG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Austriacard Holdings AG is a holistic applied technology company powered by artificial intelligence (AI). The Group's portfolio includes a wide range of solutions that demonstrate synergies across product lines. These include Identity & Payment Solutions, Digital Technologies, and Document Lifecycle Management. These solutions are offered to financial institutions, public and private sectors. The Group is now organized into three geographic segments: Central, Eastern Europe and DACH (CEE); Western Europe, Nordics and Americas (WEST); and Turkiye, Middle East and Africa (MEA). It derives maximum revenue from Central, Eastern Europe and DACH (CEE) segment. The solutions include: Payment Cards & Services, eGovernment & Authentication, Document Lifecycle Management, Book on Demand and Others.
88GF Score
Get the complete analysis for ATH:ACAG
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