Royal ExchangeNSA:ROYALEX -9.66%9 PB Ratio is 1.50 as of Jun. 29, 2026, which is 95% above its 10-year median of 0.77. GuruFocus rates NSA:ROYALEX with a GF Score™ of 9/100. The stock has 5 warning signs investors should review. Among 502 Insurance companies, Royal Exchange ranks worse than 54.58% 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 (2026-06-29), Royal Exchange's share price is ₦1.31. Royal Exchange's Book Value per Share for the quarter that ended in Dec. 2025 was ₦0.87. Hence, Royal Exchange's PB Ratio of today is 1.50.
Good Sign:
Royal Exchange PLC stock PB Ratio (=1.5) is close to 1-year low of 1.5.
The historical rank and industry rank for Royal Exchange's PB Ratio or its related term are showing as below:
NSA:ROYALEX'
s PB Ratio Range Over the Past 10 Years
Min: 0.18 Med: 0.77 Max: 4.16
Current: 1.5
During the past 13 years, Royal Exchange's highest PB Ratio was 4.16. The lowest was 0.18. And the median was 0.77.
NSA:ROYALEX's PB Ratio is ranked worse than 54.58% of 502
companies
in the Insurance industry
Industry Median: 1.385
vs NSA:ROYALEX: 1.50
During the past 12 months, Royal Exchange's average Book Value Per Share Growth Rate was 15.20% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 36.30% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 15.90% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was -5.80% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Royal Exchange was 36.30% per year. The lowest was -28.40% per year. And the median was -13.10% 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.
Royal Exchange PB Ratio Related Terms
Royal Exchange PB Ratio Historical Data
* Premium members only.
The historical data trend for Royal Exchange'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.
NSA:ROYALEX vs BRK.A, AIG, HIG: PB Ratio Comparison
For the Insurance - Diversified subindustry, Royal Exchange'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.
Royal Exchange PB Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Royal Exchange's PB Ratio distribution charts can be found below:
* The bar in red indicates where Royal Exchange'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.
Royal Exchange's PB Ratio for today is calculated as follows:
* 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.
Royal Exchange (NSA:ROYALEX) has a PB Ratio of 1.50 as of Jun. 29, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Royal Exchange and its competitors. This is 95% above median its historical median of 0.77. Over the past decade, Royal Exchange's PB Ratio has ranged from 0.18 to 4.16. According to the industry distribution chart, Royal Exchange ranks #274 out of 502 companies in the Insurance industry, placing it in the top 54.6%.
Is Royal Exchange's PB Ratio too high?
Royal Exchange's current PB Ratio of 1.50 is 95% above median its 10-year median of 0.77. Over the past 10 years, this metric has ranged from a low of 0.18 to a high of 4.16. The Insurance industry median PB Ratio is 1.39. Royal Exchange's value of 1.50 is 8.3% above this industry median. Based on the distribution chart, Royal Exchange ranks #274 out of 502 companies in the Insurance industry, which is below the industry midpoint. Overall, Royal Exchange has a GF Score™ of 9/100, reflecting its overall financial health beyond just this single metric.
How does Royal Exchange's PB Ratio compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Royal Exchange ranks #274 out of 502 companies for PB Ratio. This places Royal Exchange in the lower half of its industry. The industry median PB Ratio is 1.39. Royal Exchange's value of 1.50 is 8.3% above this benchmark. Historically, Royal Exchange's own PB Ratio has ranged from 0.18 to 4.16 over the past decade. While the company's 10-year median is 0.77 vs. the industry median of 1.39, Royal Exchange 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 1.39, based on 502 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. Royal Exchange's current PB Ratio of 1.50 is 8.3% 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 Royal Exchange and its competitors. For the Insurance industry, the median PB Ratio is 1.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Royal Exchange's current PB Ratio is 1.50, which is 95% above median its own 10-year median of 0.77. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Royal Exchange stock overvalued right now?
Royal Exchange (NSA:ROYALEX) has a current PB Ratio of 1.50. The current PB Ratio is 1.50, which is 95% above median its 10-year median of 0.77 and 8.3% above the Insurance industry median of 1.39. Royal Exchange's overall GF Score™ is 9/100 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 Royal Exchange (NSA:ROYALEX), the current PB Ratio is 1.50 as of Jun. 29, 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.
Royal Exchange PLC principal activities are general insurance, health insurance, and credit financing, with segments including Life Insurance, Healthcare, and Credit Financing.
9GF Score
Get the complete analysis for NSA:ROYALEX
PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
NSA:ROYALEX has been successfully added to your 
