Qliro ABOSTO:QLIRO +2.40%68 PB Ratio is 0.95 as of Jun. 30, 2026, which is 9% above its 10-year median of 0.87. GuruFocus rates OSTO:QLIRO with a GF Score™ of 68/100 and a GF Value™ of kr17.65 (Fairly Valued). The stock has 6 warning signs investors should review. Among 524 Credit Services companies, Qliro AB ranks better than 55.53% 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 (2026-06-30), Qliro AB's share price is kr19.20. Qliro AB's Book Value per Share for the quarter that ended in Mar. 2026 was kr20.29. Hence, Qliro AB's PB Ratio of today is 0.95.
The historical rank and industry rank for Qliro AB's PB Ratio or its related term are showing as below:
OSTO:QLIRO'
s PB Ratio Range Over the Past 10 Years
Min: 0.47 Med: 0.87 Max: 1.86
Current: 0.94
During the past 9 years, Qliro AB's highest PB Ratio was 1.86. The lowest was 0.47. And the median was 0.87.
OSTO:QLIRO's PB Ratio is ranked better than 55.53% of 524
companies
in the Credit Services industry
Industry Median: 1.05
vs OSTO:QLIRO: 0.94
During the past 12 months, Qliro AB's average Book Value Per Share Growth Rate was -18.30% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was -5.40% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -7.40% per year.
During the past 9 years, the highest 3-Year average Book Value Per Share Growth Rate of Qliro AB was 19.40% per year. The lowest was -8.40% per year. And the median was -5.15% 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.
Qliro AB PB Ratio Related Terms
Qliro AB PB Ratio Historical Data
* Premium members only.
The historical data trend for Qliro AB'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, Qliro AB'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.
Qliro AB PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Qliro AB's PB Ratio distribution charts can be found below:
* The bar in red indicates where Qliro AB'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.
Qliro AB'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.
Qliro AB (OSTO:QLIRO) has a PB Ratio of 0.95 as of Jun. 30, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Qliro AB and its competitors. This is near median its historical median of 0.87. Over the past decade, Qliro AB's PB Ratio has ranged from 0.47 to 1.86. According to the industry distribution chart, Qliro AB ranks #233 out of 524 companies in the Credit Services industry, placing it in the top 44.5%.
Is Qliro AB's PB Ratio too high?
Qliro AB's current PB Ratio of 0.95 is near median its 10-year median of 0.87. Over the past 10 years, this metric has ranged from a low of 0.47 to a high of 1.86. The Credit Services industry median PB Ratio is 1.05. Qliro AB's value of 0.95 is 9.5% below this industry median. Based on the distribution chart, Qliro AB ranks #233 out of 524 companies in the Credit Services industry, which is above the industry midpoint. Overall, Qliro AB has a GF Score™ of 68/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Qliro AB's PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Qliro AB ranks #233 out of 524 companies for PB Ratio. This puts Qliro AB in the upper half of its industry. The industry median PB Ratio is 1.05. Qliro AB's value of 0.95 is 9.5% below this benchmark. Historically, Qliro AB's own PB Ratio has ranged from 0.47 to 1.86 over the past decade. While the company's 10-year median is 0.87 vs. the industry median of 1.05, Qliro AB 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 1.05, based on 524 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. Qliro AB's current PB Ratio of 0.95 is 9.5% 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 Qliro AB and its competitors. For the Credit Services industry, the median PB Ratio is 1.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Qliro AB's current PB Ratio is 0.95, which is near median its own 10-year median of 0.87. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Qliro AB stock overvalued right now?
Based on GuruFocus' analysis, Qliro AB (OSTO:QLIRO) is currently considered Fairly Valued. The stock's GF Value™ is kr17.65, compared to a current price of kr19.20 — trading 8.8% above its estimated fair value. The current PB Ratio is 0.95, which is near median its 10-year median of 0.87 and 9.5% below the Credit Services industry median of 1.05. Qliro AB's overall GF Score™ is 68/100 with 6 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 Qliro AB (OSTO:QLIRO), the current PB Ratio is 0.95 as of Jun. 30, 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 Qliro AB (OSTO:QLIRO) Overvalued in 2026?
Based on GuruFocus' analysis, Qliro AB stock appears to be overvalued.
The current stock price of kr19.20 is trading 8.8% above its estimated GF Value™ of kr17.65.
GuruFocus considers Qliro AB to be Fairly Valued.
Key valuation signals for OSTO:QLIRO:
PB Ratio: 0.95 (near median its 10-year median of 0.87)
GF Value™: kr17.65 vs. price of kr19.20 (8.8% above fair value)
Industry Position: 9.5% below the Credit Services median (#233 of 524)
No single metric tells the full story. See the OSTO:QLIRO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Qliro AB is a fintech company that provides digital payment solutions to both Enterprise and SME merchants, with a primary focus on e-commerce. Its offering to merchants includes a checkout solution designed to maximise both conversion and upselling. The Unified Payments system integrates all relevant payment methods in one offering, allowing flexible implementation. For consumers, Qliro offers its proprietary invoice and part-payment services (Pay Later) available through connected merchants throughout the Nordics, as well as personal savings accounts in Sweden and Germany. The Group identifies only one operating segment: Payment Solutions. Geographically, it generates maximum revenue from Sweden, and the rest from Finland, Denmark, and Norway.
68GF Score
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