Qualco GroupATH:QLCO 21 PB Ratio is 3.89 as of Jul. 11, 2026, which is 51% below its 10-year median of 8.02. GuruFocus rates ATH:QLCO with a GF Score™ of 21/100. The stock has 2 warning signs investors should review. Among 2,626 Software companies, Qualco Group ranks worse than 69.23% 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 (2026-07-11), Qualco Group's share price is €5.45. Qualco Group's Book Value per Share for the quarter that ended in Dec. 2025 was €1.40. Hence, Qualco Group's PB Ratio of today is 3.89.
Good Sign:
Qualco Group SA stock PB Ratio (=3.99) is close to 2-year low of 3.92.
The historical rank and industry rank for Qualco Group's PB Ratio or its related term are showing as below:
ATH:QLCO'
s PB Ratio Range Over the Past 10 Years
Min: 3.88 Med: 8.02 Max: 9.87
Current: 3.88
During the past 4 years, Qualco Group's highest PB Ratio was 9.87. The lowest was 3.88. And the median was 8.02.
ATH:QLCO's PB Ratio is ranked worse than 69.23% of 2626
companies
in the Software industry
Industry Median: 2.4
vs ATH:QLCO: 3.88
During the past 12 months, Qualco Group's average Book Value Per Share Growth Rate was 108.30% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 42.30% per year.
During the past 4 years, the highest 3-Year average Book Value Per Share Growth Rate of Qualco Group was 42.30% per year. The lowest was 42.30% per year. And the median was 42.30% 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.
Qualco Group PB Ratio Related Terms
Qualco Group PB Ratio Historical Data
* Premium members only.
The historical data trend for Qualco Group'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 - Application subindustry, Qualco Group'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.
Qualco Group PB Ratio vs Software Industry
For the Software industry and Technology sector, Qualco Group's PB Ratio distribution charts can be found below:
* The bar in red indicates where Qualco Group'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.
Qualco Group'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.
Qualco Group (ATH:QLCO) has a PB Ratio of 3.89 as of Jul. 11, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Qualco Group and its competitors. This is 51% below median its historical median of 8.02. Over the past decade, Qualco Group's PB Ratio has ranged from 3.88 to 9.87. According to the industry distribution chart, Qualco Group ranks #1818 out of 2626 companies in the Software industry, placing it in the top 69.2%.
Is Qualco Group's PB Ratio too high?
Qualco Group's current PB Ratio of 3.89 is 51% below median its 10-year median of 8.02. Over the past 10 years, this metric has ranged from a low of 3.88 to a high of 9.87. The Software industry median PB Ratio is 2.40. Qualco Group's value of 3.89 is 62.1% above this industry median. Based on the distribution chart, Qualco Group ranks #1818 out of 2626 companies in the Software industry, which is below the industry midpoint. Overall, Qualco Group has a GF Score™ of 21/100, reflecting its overall financial health beyond just this single metric.
How does Qualco Group's PB Ratio compare to UBER and SHOP?
According to the Software industry distribution chart, Qualco Group ranks #1818 out of 2626 companies for PB Ratio. This places Qualco Group in the lower half of its industry. The industry median PB Ratio is 2.40. Qualco Group's value of 3.89 is 62.1% above this benchmark. Historically, Qualco Group's own PB Ratio has ranged from 3.88 to 9.87 over the past decade. While the company's 10-year median is 8.02 vs. the industry median of 2.40, Qualco Group 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 2.40, based on 2,626 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. Qualco Group's current PB Ratio of 3.89 is 62.1% 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 Qualco Group and its competitors. For the Software industry, the median PB Ratio is 2.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Qualco Group's current PB Ratio is 3.89, which is 51% below median its own 10-year median of 8.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Qualco Group stock overvalued right now?
Qualco Group (ATH:QLCO) has a current PB Ratio of 3.89. The current PB Ratio is 3.89, which is 51% below median its 10-year median of 8.02 and 62.1% above the Software industry median of 2.40. Qualco Group's overall GF Score™ is 21/100 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 Qualco Group (ATH:QLCO), the current PB Ratio is 3.89 as of Jul. 11, 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.
Qualco Group SA is a software and technology solutions provider, specializing in operational platforms, data-driven insights, and customized digital experiences. Its portfolio includes technology and technology-enabled solutions across receivables management, credit/lending management, analytics, digital transformation, and real estate. The company provides credit and lending management software solutions, including debt management, loan origination and administration, supply chain finance, asset-backed securities solutions, and E2E platforms that automate and enable digital financial services. Its offerings include technology-driven credit portfolio underwriting, debt collection, and recovery strategies.
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