OUTsurance GroupJSE:OUT +0.35%65 PB Ratio is 8.79 as of Jun. 26, 2026, which is 388% above its 10-year median of 1.80. GuruFocus rates JSE:OUT with a GF Score™ of 65/100 and a GF Value™ of R46.46 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 497 Insurance companies, OUTsurance Group ranks worse than 97.59% on this metric.
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), OUTsurance Group's share price is R77.34. OUTsurance Group's Book Value per Share for the quarter that ended in Dec. 2025 was R8.80. Hence, OUTsurance Group's PB Ratio of today is 8.79.
Warning Sign:
OUTsurance Group Ltd stock PB Ratio (=8.82) is close to 10-year high of 8.82.
The historical rank and industry rank for OUTsurance Group's PB Ratio or its related term are showing as below:
JSE:OUT'
s PB Ratio Range Over the Past 10 Years
Min: 0.74 Med: 1.8 Max: 8.82
Current: 8.79
During the past 13 years, OUTsurance Group's highest PB Ratio was 8.82. The lowest was 0.74. And the median was 1.80.
JSE:OUT's PB Ratio is ranked worse than 97.59% of 497
companies
in the Insurance industry
Industry Median: 1.38
vs JSE:OUT: 8.79
During the past 12 months, OUTsurance Group's average Book Value Per Share Growth Rate was 0.90% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 6.90% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -12.80% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was -4.10% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of OUTsurance Group was 11.00% per year. The lowest was -21.70% per year. And the median was 7.75% per year.
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.
OUTsurance Group PB Ratio Related Terms
OUTsurance Group PB Ratio Historical Data
* Premium members only.
The historical data trend for OUTsurance Group'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 Insurance - Diversified subindustry, OUTsurance Group'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.
OUTsurance Group PB Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, OUTsurance Group's PB Ratio distribution charts can be found below:
* The bar in red indicates where OUTsurance Group'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.
OUTsurance Group (JSE:OUT) has a PB Ratio of 8.79 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 OUTsurance Group and its competitors. This is 388% above median its historical median of 1.80. Over the past decade, OUTsurance Group's PB Ratio has ranged from 0.74 to 8.82. According to the industry distribution chart, OUTsurance Group ranks #485 out of 497 companies in the Insurance industry, placing it in the top 97.6%.
Is OUTsurance Group's PB Ratio too high?
OUTsurance Group's current PB Ratio of 8.79 is 388% above median its 10-year median of 1.80. Over the past 10 years, this metric has ranged from a low of 0.74 to a high of 8.82. The Insurance industry median PB Ratio is 1.38. OUTsurance Group's value of 8.79 is 537% above this industry median. Based on the distribution chart, OUTsurance Group ranks #485 out of 497 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, OUTsurance Group has a GF Score™ of 65/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does OUTsurance Group's PB Ratio compare to BRK.A and AIG?
According to the Insurance industry distribution chart, OUTsurance Group ranks #485 out of 497 companies for PB Ratio. This places OUTsurance Group in the lower half of its industry. The industry median PB Ratio is 1.38. OUTsurance Group's value of 8.79 is 537% above this benchmark. Historically, OUTsurance Group's own PB Ratio has ranged from 0.74 to 8.82 over the past decade. While the company's 10-year median is 1.80 vs. the industry median of 1.38, OUTsurance Group 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 an Insurance company?
The median PB Ratio among Insurance companies is 1.38, based on 497 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. OUTsurance Group's current PB Ratio of 8.79 is 537% 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 OUTsurance Group and its competitors. For the Insurance industry, the median PB Ratio is 1.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. OUTsurance Group's current PB Ratio is 8.79, which is 388% above median its own 10-year median of 1.80. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is OUTsurance Group stock overvalued right now?
Based on GuruFocus' analysis, OUTsurance Group (JSE:OUT) is currently considered Significantly Overvalued. The stock's GF Value™ is R46.46, compared to a current price of R77.34 — trading 66.5% above its estimated fair value. The current PB Ratio is 8.79, which is 388% above median its 10-year median of 1.80 and 537% above the Insurance industry median of 1.38. OUTsurance Group's overall GF Score™ is 65/100 with 3 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 OUTsurance Group (JSE:OUT), the current PB Ratio is 8.79 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.
Is OUTsurance Group (JSE:OUT) Overvalued in 2026?
Based on GuruFocus' analysis, OUTsurance Group stock appears to be overvalued.
The current stock price of R77.34 is trading 66.5% above its estimated GF Value™ of R46.46.
GuruFocus considers OUTsurance Group to be Significantly Overvalued.
Key valuation signals for JSE:OUT:
PB Ratio: 8.79 (388% above median its 10-year median of 1.80)
GF Value™: R46.46 vs. price of R77.34 (66.5% above fair value)
Industry Position: 537% above the Insurance median (#485 of 497)
No single metric tells the full story. See the JSE:OUT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
OUTsurance Group Ltd is an insurance group that specialises in Property and Casualty insurance. Its main segments include personal insurance, business insurance, compulsory third-party vehicle insurance, life insurance, and administration services. The company provides motor, home, business, life, funeral, and pet insurance products through its subsidiaries. The company's primary source of revenue is insurance premiums. The group's activities are focused on the South African, Australian and Irish markets.
65GF Score
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