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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.
Differ Group Auto PB Ratio Related Terms
Differ Group Auto PB Ratio Historical Data
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The historical data trend for Differ Group Auto'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, Differ Group Auto'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.
Differ Group Auto PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Differ Group Auto's PB Ratio distribution charts can be found below:
* The bar in red indicates where Differ Group Auto'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.
Differ Group Auto (HKSE:06878) has a PB Ratio of 0.53 as of Sep. 08, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Differ Group Auto and its competitors.
Is Differ Group Auto's PB Ratio too high?
Differ Group Auto's current PB Ratio is 0.53. The Credit Services industry median PB Ratio is 1.02. Differ Group Auto's value of 0.53 is 48% below this industry median. Overall, Differ Group Auto has a GF Score™ of 4/100, reflecting its overall financial health beyond just this single metric.
How does Differ Group Auto's PB Ratio compare to V and MA?
Differ Group Auto's PB Ratio of 0.53 can be compared against companies in the Credit Services industry. The industry median PB Ratio is 1.02. Differ Group Auto's value of 0.53 is 48% 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 1.02, based on 522 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. Differ Group Auto's current PB Ratio of 0.53 is 48% 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 Differ Group Auto and its competitors. For the Credit Services industry, the median PB Ratio is 1.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Differ Group Auto's current PB Ratio is 0.53. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Differ Group Auto stock overvalued right now?
Differ Group Auto (HKSE:06878) has a current PB Ratio of 0.53. The current PB Ratio is 0.53 and 48% below the Credit Services industry median of 1.02. Differ Group Auto's overall GF Score™ is 4/100. 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 Differ Group Auto (HKSE:06878), the current PB Ratio is 0.53 as of Sep. 08, 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.
Differ Group Auto Ltd, formerly Differ Group Holding Company Limited, is a China-based investment holding company. The Company conducts its businesses primarily through four segments. The Financial Services segment is principally engaged in the provision of guarantee services, express loan services, advisory services, financial leasing services, financial securities services and asset management. The Property Development and Investment segment is principally engaged in the operation of property development projects and property investment activities. The Commodity Trading segment is mainly engaged in the trading of commodities. The Automotive E-commerce segment is principally engaged in the operation of online automotive e-commerce platforms.
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