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XXF Group HoldingsHKSE:02473 -7.41%39 PB Ratio is 0.80 as of Jul. 20, 2026, which is 85% below its 10-year median of 5.29. GuruFocus rates HKSE:02473 with a GF Score™ of 39/100. The stock has 8 warning signs investors should review. Among 526 Credit Services companies, XXF Group Holdings ranks better than 62.74% on this metric.
XXF Group Holdings Ltd stock PB Ratio (=0.87) is close to 3-year low of 0.87.
The historical rank and industry rank for XXF Group Holdings's PB Ratio or its related term are showing as below:
HKSE:02473'
s PB Ratio Range Over the Past 10 Years
Min: 0.81 Med: 5.29 Max: 22.17
Current: 0.81
During the past 6 years, XXF Group Holdings's highest PB Ratio was 22.17. The lowest was 0.81. And the median was 5.29.
HKSE:02473's PB Ratio is ranked better than 62.74% of 526
companies
in the Credit Services industry
Industry Median: 1.06
vs HKSE:02473: 0.81
During the past 12 months, XXF Group Holdings's average Book Value Per Share Growth Rate was 9.90% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 19.90% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 17.00% per year.
During the past 6 years, the highest 3-Year average Book Value Per Share Growth Rate of XXF Group Holdings was 21.70% per year. The lowest was 18.00% per year. And the median was 19.90% per year.
Back to Basics: PB Ratio
XXF Group Holdings (HKSE:02473) 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.
XXF Group Holdings PB Ratio Related Terms
XXF Group Holdings PB Ratio Historical Data
* Premium members only.
The historical data trend for XXF Group Holdings'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 Credit Services subindustry, XXF Group Holdings'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.
XXF Group Holdings PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, XXF Group Holdings's PB Ratio distribution charts can be found below:
* The bar in red indicates where XXF Group Holdings'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.
XXF Group Holdings (HKSE:02473) has a PB Ratio of 0.80 as of Jul. 20, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on XXF Group Holdings and its competitors. This is 85% below median its historical median of 5.29. Over the past decade, XXF Group Holdings' PB Ratio has ranged from 0.81 to 22.17. According to the industry distribution chart, XXF Group Holdings ranks #196 out of 526 companies in the Credit Services industry, placing it in the top 37.3%.
Is XXF Group Holdings' PB Ratio too high?
XXF Group Holdings' current PB Ratio of 0.80 is 85% below median its 10-year median of 5.29. Over the past 10 years, this metric has ranged from a low of 0.81 to a high of 22.17. The Credit Services industry median PB Ratio is 1.06. XXF Group Holdings' value of 0.80 is 24.5% below this industry median. Based on the distribution chart, XXF Group Holdings ranks #196 out of 526 companies in the Credit Services industry, which is above the industry midpoint. Overall, XXF Group Holdings has a GF Score™ of 39/100, reflecting its overall financial health beyond just this single metric.
How does XXF Group Holdings' PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, XXF Group Holdings ranks #196 out of 526 companies for PB Ratio. This puts XXF Group Holdings in the upper half of its industry. The industry median PB Ratio is 1.06. XXF Group Holdings' value of 0.80 is 24.5% below this benchmark. Historically, XXF Group Holdings' own PB Ratio has ranged from 0.81 to 22.17 over the past decade. While the company's 10-year median is 5.29 vs. the industry median of 1.06, XXF Group Holdings 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 a Credit Services company?
The median PB Ratio among Credit Services companies is 1.06, based on 526 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. XXF Group Holdings's current PB Ratio of 0.80 is 24.5% 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 XXF Group Holdings and its competitors. For the Credit Services industry, the median PB Ratio is 1.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. XXF Group Holdings's current PB Ratio is 0.80, which is 85% below median its own 10-year median of 5.29. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is XXF Group Holdings stock overvalued right now?
XXF Group Holdings (HKSE:02473) has a current PB Ratio of 0.80. The current PB Ratio is 0.80, which is 85% below median its 10-year median of 5.29 and 24.5% below the Credit Services industry median of 1.06. XXF Group Holdings' overall GF Score™ is 39/100 with 8 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 XXF Group Holdings (HKSE:02473), the current PB Ratio is 0.80 as of Jul. 20, 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.
XXF Group Holdings Ltd is an established automobile retailer providing automobile finance lease service through its self-operated sales outlets in the PRC. The Group's principal businesses comprise automobile retail and finance, where it sells non-luxury automobiles mostly on direct finance lease; and automobile-related businesses, where it principally offers automobile operating lease service and other automobile-related services, and (iii) an outright car sales business, where it sells cars on a one-off basis. The Group's revenue is mainly derived from customers in the PRC.
39GF Score
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