Aifinyo AG (HAM:EBEN) PB Ratio: 0.24 (As of Jun. 26, 2026)


HAM:EBEN Aifinyo AG HAM:EBEN
25 GF Score
Price €0.95
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What is Aifinyo AG PB Ratio?

Aifinyo AG HAM:EBEN -2.06% 25 PB Ratio is 0.24 as of Jun. 26, 2026. GuruFocus rates HAM:EBEN with a GF Score™ of 25/100.

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), Aifinyo AG's share price is €0.95. Aifinyo AG's Book Value per Share for the quarter that ended in Dec. 2024 was €4.01. Hence, Aifinyo AG's PB Ratio of today is 0.24.

The historical rank and industry rank for Aifinyo AG's PB Ratio or its related term are showing as below:

HAM:EBEN's PB Ratio is not ranked *
in the Credit Services industry.
Industry Median: 1.07
* Ranked among companies with meaningful PB Ratio only.

Back to Basics: PB Ratio


Aifinyo AG  (HAM:EBEN) PB Ratio Explanation

Unlike valuation ratios relative to the earning power such as PE Ratio, PE Ratio without NRI, PS Ratio, Price-to-Operating-Cash-Flow , or Price-to-Free-Cash-Flow, the PB Ratio measures the valuation of the stock relative to the underlying asset of the company.

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.


Aifinyo AG PB Ratio Related Terms


Aifinyo AG PB Ratio Historical Data

* Premium members only.

The historical data trend for Aifinyo AG'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.

Aifinyo AG PB Ratio Chart

Aifinyo AG Annual Data
Trend Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
PB Ratio
Get a 7-Day Free Trial 0.00 0.00 0.00 0.00 0.85

Aifinyo AG Quarterly Data
Dec17 Dec18 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Dec24
PB Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.85

HAM:EBEN vs V, MA, AXP: PB Ratio Comparison

For the Credit Services subindustry, Aifinyo 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.


Aifinyo AG PB Ratio vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Aifinyo AG's PB Ratio distribution charts can be found below:

* The bar in red indicates where Aifinyo AG's PB Ratio falls into.


HAM:EBEN
25GF Score
Aifinyo AG HAM:EBEN
PB Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Aifinyo AG PB Ratio Calculation

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.

Aifinyo AG's PB Ratio for today is calculated as follows:

PB Ratio=Share Price/Book Value per Share (Q: Dec. 2024)
=0.95/4.005
=0.24

* 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.

Frequently Asked Questions Learn more about PB Ratio →
What does a PB Ratio of 0.24 mean?
Aifinyo AG (HAM:EBEN) has a PB Ratio of 0.24 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 Aifinyo AG and its competitors.
Is Aifinyo AG's PB Ratio too high?
Aifinyo AG's current PB Ratio is 0.24. The Credit Services industry median PB Ratio is 1.07. Aifinyo AG's value of 0.24 is 77.6% below this industry median. Overall, Aifinyo AG has a GF Score™ of 25/100, reflecting its overall financial health beyond just this single metric.
How does Aifinyo AG's PB Ratio compare to V and MA?
Aifinyo AG's PB Ratio of 0.24 can be compared against companies in the Credit Services industry. The industry median PB Ratio is 1.07. Aifinyo AG's value of 0.24 is 77.6% below this benchmark. 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 Credit Services company?
The median PB Ratio among Credit Services companies is 1.07, based on 523 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. Aifinyo AG's current PB Ratio of 0.24 is 77.6% 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 Aifinyo AG and its competitors. For the Credit Services industry, the median PB Ratio is 1.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Aifinyo AG's current PB Ratio is 0.24. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Aifinyo AG stock overvalued right now?
Aifinyo AG (HAM:EBEN) has a current PB Ratio of 0.24. The current PB Ratio is 0.24 and 77.6% below the Credit Services industry median of 1.07. Aifinyo AG's overall GF Score™ is 25/100. 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 Aifinyo AG (HAM:EBEN), the current PB Ratio is 0.24 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.

Aifinyo AG Business Description

Address Tiergartenstrasse 8, Dresden, SN, DEU, 01219
Aifinyo AG is an independent financial services provider that offers coordinated financing solutions. The company service offerings include factoring, fine trading, leasing, and debt collection among others.
25GF Score

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