Allianz Ayudhya CapitalBKK:AYUD 82 PB Ratio is 1.13 as of Jul. 06, 2026, which is 9% above its 10-year median of 1.04. GuruFocus rates BKK:AYUD with a GF Score™ of 82/100 and a GF Value™ of ฿51.88 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 499 Insurance companies, Allianz Ayudhya Capital ranks better than 63.53% on this metric.
The historical rank and industry rank for Allianz Ayudhya Capital's PB Ratio or its related term are showing as below:
BKK:AYUD'
s PB Ratio Range Over the Past 10 Years
Min: 0.65 Med: 1.04 Max: 1.76
Current: 1.13
During the past 13 years, Allianz Ayudhya Capital's highest PB Ratio was 1.76. The lowest was 0.65. And the median was 1.04.
BKK:AYUD's PB Ratio is ranked better than 63.53% of 499
companies
in the Insurance industry
Industry Median: 1.41
vs BKK:AYUD: 1.13
During the past 12 months, Allianz Ayudhya Capital's average Book Value Per Share Growth Rate was 8.40% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 7.30% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -5.60% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 1.30% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Allianz Ayudhya Capital was 17.80% per year. The lowest was -16.90% per year. And the median was 2.60% per year.
Back to Basics: PB Ratio
Allianz Ayudhya Capital (BKK:AYUD) 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 Insurance - Property & Casualty subindustry, Allianz Ayudhya Capital'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.
Allianz Ayudhya Capital PB Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Allianz Ayudhya Capital's PB Ratio distribution charts can be found below:
* The bar in red indicates where Allianz Ayudhya Capital'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.
Allianz Ayudhya Capital (BKK:AYUD) has a PB Ratio of 1.13 as of Jul. 06, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Allianz Ayudhya Capital and its competitors. This is near median its historical median of 1.04. Over the past decade, Allianz Ayudhya Capital's PB Ratio has ranged from 0.65 to 1.76. According to the industry distribution chart, Allianz Ayudhya Capital ranks #182 out of 499 companies in the Insurance industry, placing it in the top 36.5%.
Is Allianz Ayudhya Capital's PB Ratio too high?
Allianz Ayudhya Capital's current PB Ratio of 1.13 is near median its 10-year median of 1.04. Over the past 10 years, this metric has ranged from a low of 0.65 to a high of 1.76. The Insurance industry median PB Ratio is 1.41. Allianz Ayudhya Capital's value of 1.13 is 19.9% below this industry median. Based on the distribution chart, Allianz Ayudhya Capital ranks #182 out of 499 companies in the Insurance industry, which is above the industry midpoint. Overall, Allianz Ayudhya Capital has a GF Score™ of 82/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Allianz Ayudhya Capital's PB Ratio compare to CB and PGR?
According to the Insurance industry distribution chart, Allianz Ayudhya Capital ranks #182 out of 499 companies for PB Ratio. This puts Allianz Ayudhya Capital in the upper half of its industry. The industry median PB Ratio is 1.41. Allianz Ayudhya Capital's value of 1.13 is 19.9% below this benchmark. Historically, Allianz Ayudhya Capital's own PB Ratio has ranged from 0.65 to 1.76 over the past decade. While the company's 10-year median is 1.04 vs. the industry median of 1.41, Allianz Ayudhya Capital 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 an Insurance company?
The median PB Ratio among Insurance companies is 1.41, based on 499 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. Allianz Ayudhya Capital's current PB Ratio of 1.13 is 19.9% 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 Allianz Ayudhya Capital and its competitors. For the Insurance industry, the median PB Ratio is 1.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Allianz Ayudhya Capital's current PB Ratio is 1.13, which is near median its own 10-year median of 1.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Allianz Ayudhya Capital stock overvalued right now?
Based on GuruFocus' analysis, Allianz Ayudhya Capital (BKK:AYUD) is currently considered Modestly Undervalued. The stock's GF Value™ is ฿51.88, compared to a current price of ฿40.50 — trading 21.9% below its estimated fair value. The current PB Ratio is 1.13, which is near median its 10-year median of 1.04 and 19.9% below the Insurance industry median of 1.41. Allianz Ayudhya Capital's overall GF Score™ is 82/100 with 5 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 Allianz Ayudhya Capital (BKK:AYUD), the current PB Ratio is 1.13 as of Jul. 06, 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 Allianz Ayudhya Capital (BKK:AYUD) Overvalued in 2026?
Based on GuruFocus' analysis, Allianz Ayudhya Capital stock appears to be undervalued.
The current stock price of ฿40.50 is trading 21.9% below its estimated GF Value™ of ฿51.88.
GuruFocus considers Allianz Ayudhya Capital to be Modestly Undervalued.
Key valuation signals for BKK:AYUD:
PB Ratio: 1.13 (near median its 10-year median of 1.04)
GF Value™: ฿51.88 vs. price of ฿40.50 (21.9% below fair value)
Industry Position: 19.9% below the Insurance median (#182 of 499)
No single metric tells the full story. See the BKK:AYUD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Allianz Ayudhya Capital PLC is an investment holding company. The company is engaged in providing individual insurance such as motor insurance, personal accidents insurance, travel accidents insurance, fire insurance, cancer insurance and others. It is involved in non-life insurance business covering for loss or damage of insured properties, such as constructions, commercial and residential buildings, factories, and merchandise, marine and transportation insurance. The company is operating in three principal business segments Non-life insurance business generating the key revenue, Service business and Investment business, which are only organized and managed in a single geographic area, namely in Thailand.
82GF Score
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