Generalfinance SpAMIL:GF +1.78%75 PB Ratio is 3.49 as of Jun. 25, 2026, which is 79% above its 10-year median of 1.95. GuruFocus rates MIL:GF with a GF Score™ of 75/100 and a GF Value™ of €16.21 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 523 Credit Services companies, Generalfinance SpA ranks worse than 87.76% on this metric.
The historical rank and industry rank for Generalfinance SpA's PB Ratio or its related term are showing as below:
MIL:GF'
s PB Ratio Range Over the Past 10 Years
Min: 1.55 Med: 1.95 Max: 3.77
Current: 3.45
During the past 8 years, Generalfinance SpA's highest PB Ratio was 3.77. The lowest was 1.55. And the median was 1.95.
MIL:GF's PB Ratio is ranked worse than 87.76% of 523
companies
in the Credit Services industry
Industry Median: 1.06
vs MIL:GF: 3.45
During the past 12 months, Generalfinance SpA's average Book Value Per Share Growth Rate was 21.20% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 20.20% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 34.20% per year.
During the past 8 years, the highest 3-Year average Book Value Per Share Growth Rate of Generalfinance SpA was 43.30% per year. The lowest was 20.20% per year. And the median was 35.80% 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.
Generalfinance SpA PB Ratio Related Terms
Generalfinance SpA PB Ratio Historical Data
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The historical data trend for Generalfinance SpA'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, Generalfinance SpA'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.
Generalfinance SpA PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Generalfinance SpA's PB Ratio distribution charts can be found below:
* The bar in red indicates where Generalfinance SpA'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.
Generalfinance SpA (MIL:GF) has a PB Ratio of 3.49 as of Jun. 25, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Generalfinance SpA and its competitors. This is 79% above median its historical median of 1.95. Over the past decade, Generalfinance SpA's PB Ratio has ranged from 1.55 to 3.77. According to the industry distribution chart, Generalfinance SpA ranks #459 out of 523 companies in the Credit Services industry, placing it in the top 87.8%.
Is Generalfinance SpA's PB Ratio too high?
Generalfinance SpA's current PB Ratio of 3.49 is 79% above median its 10-year median of 1.95. Over the past 10 years, this metric has ranged from a low of 1.55 to a high of 3.77. The Credit Services industry median PB Ratio is 1.06. Generalfinance SpA's value of 3.49 is 229.2% above this industry median. Based on the distribution chart, Generalfinance SpA ranks #459 out of 523 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Generalfinance SpA has a GF Score™ of 75/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Generalfinance SpA's PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Generalfinance SpA ranks #459 out of 523 companies for PB Ratio. This places Generalfinance SpA in the lower half of its industry. The industry median PB Ratio is 1.06. Generalfinance SpA's value of 3.49 is 229.2% above this benchmark. Historically, Generalfinance SpA's own PB Ratio has ranged from 1.55 to 3.77 over the past decade. While the company's 10-year median is 1.95 vs. the industry median of 1.06, Generalfinance SpA 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 Credit Services company?
The median PB Ratio among Credit Services companies is 1.06, 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. Generalfinance SpA's current PB Ratio of 3.49 is 229.2% 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 Generalfinance SpA 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. Generalfinance SpA's current PB Ratio is 3.49, which is 79% above median its own 10-year median of 1.95. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Generalfinance SpA stock overvalued right now?
Based on GuruFocus' analysis, Generalfinance SpA (MIL:GF) is currently considered Significantly Overvalued. The stock's GF Value™ is €16.21, compared to a current price of €28.60 — trading 76.4% above its estimated fair value. The current PB Ratio is 3.49, which is 79% above median its 10-year median of 1.95 and 229.2% above the Credit Services industry median of 1.06. Generalfinance SpA's overall GF Score™ is 75/100 with 5 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 Generalfinance SpA (MIL:GF), the current PB Ratio is 3.49 as of Jun. 25, 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 Generalfinance SpA (MIL:GF) Overvalued in 2026?
Based on GuruFocus' analysis, Generalfinance SpA stock appears to be overvalued.
The current stock price of €28.60 is trading 76.4% above its estimated GF Value™ of €16.21.
GuruFocus considers Generalfinance SpA to be Significantly Overvalued.
Key valuation signals for MIL:GF:
PB Ratio: 3.49 (79% above median its 10-year median of 1.95)
GF Value™: €16.21 vs. price of €28.60 (76.4% above fair value)
Industry Position: 229.2% above the Credit Services median (#459 of 523)
No single metric tells the full story. See the MIL:GF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Generalfinance SpA operates is engaged in providing factoring services to small and medium-sized companies in financial difficulty. The group offers customized financing solutions to meet the needs of companies operating in the manufacturing, wholesale business, transportation, and construction.
75GF Score
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