PT Bank Permata TbkFRA:85C -2.78%49 PB Ratio is 1.62 as of Jul. 03, 2026, which is 46% above its 10-year median of 1.11. GuruFocus rates FRA:85C with a GF Score™ of 49/100 and a GF Value™ of €0.05 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 1,517 Banks companies, PT Bank Permata Tbk ranks worse than 85.89% on this metric.
PT Bank Permata Tbk stock PB Ratio (=1.97) is close to 1-year low of 1.97.
The historical rank and industry rank for PT Bank Permata Tbk's PB Ratio or its related term are showing as below:
FRA:85C'
s PB Ratio Range Over the Past 10 Years
Min: 0.52 Med: 1.11 Max: 4.77
Current: 1.85
During the past 13 years, PT Bank Permata Tbk's highest PB Ratio was 4.77. The lowest was 0.52. And the median was 1.11.
FRA:85C's PB Ratio is ranked worse than 85.89% of 1517
companies
in the Banks industry
Industry Median: 1.1
vs FRA:85C: 1.85
During the past 12 months, PT Bank Permata Tbk's average Book Value Per Share Growth Rate was 5.90% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 6.80% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 3.60% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 4.30% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of PT Bank Permata Tbk was 24.50% per year. The lowest was -16.80% per year. And the median was 11.05% per year.
Back to Basics: PB Ratio
PT Bank Permata Tbk (FRA:85C) 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.
PT Bank Permata Tbk PB Ratio Related Terms
PT Bank Permata Tbk PB Ratio Historical Data
* Premium members only.
The historical data trend for PT Bank Permata Tbk'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.
PT Bank Permata Tbk PB Ratio Competitor Comparison
For the Banks - Regional subindustry, PT Bank Permata Tbk'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.
PT Bank Permata Tbk PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, PT Bank Permata Tbk's PB Ratio distribution charts can be found below:
* The bar in red indicates where PT Bank Permata Tbk'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.
PT Bank Permata Tbk (FRA:85C) has a PB Ratio of 1.62 as of Jul. 03, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on PT Bank Permata Tbk and its competitors. This is 46% above median its historical median of 1.11. Over the past decade, PT Bank Permata Tbk's PB Ratio has ranged from 0.52 to 4.77. According to the industry distribution chart, PT Bank Permata Tbk ranks #1303 out of 1517 companies in the Banks industry, placing it in the top 85.9%.
Is PT Bank Permata Tbk's PB Ratio too high?
PT Bank Permata Tbk's current PB Ratio of 1.62 is 46% above median its 10-year median of 1.11. Over the past 10 years, this metric has ranged from a low of 0.52 to a high of 4.77. The Banks industry median PB Ratio is 1.10. PT Bank Permata Tbk's value of 1.62 is 47.3% above this industry median. Based on the distribution chart, PT Bank Permata Tbk ranks #1303 out of 1517 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, PT Bank Permata Tbk has a GF Score™ of 49/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Permata Tbk's PB Ratio compare to competitors?
According to the Banks industry distribution chart, PT Bank Permata Tbk ranks #1303 out of 1517 companies for PB Ratio. This places PT Bank Permata Tbk in the lower half of its industry. The industry median PB Ratio is 1.10. PT Bank Permata Tbk's value of 1.62 is 47.3% above this benchmark. Historically, PT Bank Permata Tbk's own PB Ratio has ranged from 0.52 to 4.77 over the past decade. While the company's 10-year median is 1.11 vs. the industry median of 1.10, PT Bank Permata Tbk 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 Banks company?
The median PB Ratio among Banks companies is 1.10, based on 1,517 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. PT Bank Permata Tbk's current PB Ratio of 1.62 is 47.3% 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 PT Bank Permata Tbk and its competitors. For the Banks industry, the median PB Ratio is 1.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Bank Permata Tbk's current PB Ratio is 1.62, which is 46% above median its own 10-year median of 1.11. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Permata Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Permata Tbk (FRA:85C) is currently considered Significantly Overvalued. The stock's GF Value™ is €0.05, compared to a current price of €0.11 — trading 110% above its estimated fair value. The current PB Ratio is 1.62, which is 46% above median its 10-year median of 1.11 and 47.3% above the Banks industry median of 1.10. PT Bank Permata Tbk's overall GF Score™ is 49/100 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 PT Bank Permata Tbk (FRA:85C), the current PB Ratio is 1.62 as of Jul. 03, 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 PT Bank Permata Tbk (FRA:85C) Overvalued in 2026?
Based on GuruFocus' analysis, PT Bank Permata Tbk stock appears to be overvalued.
The current stock price of €0.11 is trading 110% above its estimated GF Value™ of €0.05.
GuruFocus considers PT Bank Permata Tbk to be Significantly Overvalued.
Key valuation signals for FRA:85C:
PB Ratio: 1.62 (46% above median its 10-year median of 1.11)
GF Value™: €0.05 vs. price of €0.11 (110% above fair value)
Industry Position: 47.3% above the Banks median (#1303 of 1517)
No single metric tells the full story. See the FRA:85C stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Bank Permata Tbk is a private bank engaged in offering financial products and services especially in the hand-delivery channel including Internet Banking and Mobile Banking. The bank focuses on Consumer banking, Corporate banking, Commercial banking and Others segments.
49GF Score
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