Raiffeisen Bank Aval JSCPFTS:BAVL PB Ratio is 0.69 as of Jun. 26, 2026, which is 52% below its 10-year median of 1.44. The stock has 3 warning signs investors should review. Among 1,516 Banks companies, Raiffeisen Bank Aval JSC ranks better than 79.95% on this metric.
The historical rank and industry rank for Raiffeisen Bank Aval JSC's PB Ratio or its related term are showing as below:
PFTS:BAVL'
s PB Ratio Range Over the Past 10 Years
Min: 0.3 Med: 1.44 Max: 2.14
Current: 0.69
During the past 13 years, Raiffeisen Bank Aval JSC's highest PB Ratio was 2.14. The lowest was 0.30. And the median was 1.44.
PFTS:BAVL's PB Ratio is ranked better than 79.95% of 1516
companies
in the Banks industry
Industry Median: 1.09
vs PFTS:BAVL: 0.69
During the past 12 months, Raiffeisen Bank Aval JSC's average Book Value Per Share Growth Rate was 34.50% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 31.60% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 23.90% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 13.40% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Raiffeisen Bank Aval JSC was 31.60% per year. The lowest was -20.90% per year. And the median was 8.65% per year.
Back to Basics: PB Ratio
Raiffeisen Bank Aval JSC (PFTS:BAVL) PB Ratio Explanation
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.
* 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 Banks - Regional subindustry, Raiffeisen Bank Aval JSC'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.
Raiffeisen Bank Aval JSC PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Raiffeisen Bank Aval JSC's PB Ratio distribution charts can be found below:
* The bar in red indicates where Raiffeisen Bank Aval JSC'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.
Raiffeisen Bank Aval JSC (PFTS:BAVL) has a PB Ratio of 0.69 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 Raiffeisen Bank Aval JSC and its competitors. This is 52% below median its historical median of 1.44. Over the past decade, Raiffeisen Bank Aval JSC's PB Ratio has ranged from 0.30 to 2.14. According to the industry distribution chart, Raiffeisen Bank Aval JSC ranks #304 out of 1516 companies in the Banks industry, placing it in the top 20.1%.
Is Raiffeisen Bank Aval JSC's PB Ratio too high?
Raiffeisen Bank Aval JSC's current PB Ratio of 0.69 is 52% below median its 10-year median of 1.44. Over the past 10 years, this metric has ranged from a low of 0.30 to a high of 2.14. The Banks industry median PB Ratio is 1.09. Raiffeisen Bank Aval JSC's value of 0.69 is 36.7% below this industry median. Based on the distribution chart, Raiffeisen Bank Aval JSC ranks #304 out of 1516 companies in the Banks industry, which is in the top quartile — a strong position relative to peers.
How does Raiffeisen Bank Aval JSC's PB Ratio compare to PNC and USB?
According to the Banks industry distribution chart, Raiffeisen Bank Aval JSC ranks #304 out of 1516 companies for PB Ratio. This places Raiffeisen Bank Aval JSC in the top 20% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.09. Raiffeisen Bank Aval JSC's value of 0.69 is 36.7% below this benchmark. Historically, Raiffeisen Bank Aval JSC's own PB Ratio has ranged from 0.30 to 2.14 over the past decade. While the company's 10-year median is 1.44 vs. the industry median of 1.09, Raiffeisen Bank Aval JSC 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 Banks company?
The median PB Ratio among Banks companies is 1.09, based on 1,516 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. Raiffeisen Bank Aval JSC's current PB Ratio of 0.69 is 36.7% 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 Raiffeisen Bank Aval JSC and its competitors. For the Banks industry, the median PB Ratio is 1.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Raiffeisen Bank Aval JSC's current PB Ratio is 0.69, which is 52% below median its own 10-year median of 1.44. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Raiffeisen Bank Aval JSC stock overvalued right now?
Based on GuruFocus' analysis, Raiffeisen Bank Aval JSC (PFTS:BAVL) is currently considered Fairly Valued. The stock's GF Value™ is ₴0.45, compared to a current price of ₴0.46 — trading 2.8% above its estimated fair value. The current PB Ratio is 0.69, which is 52% below median its 10-year median of 1.44 and 36.7% below the Banks industry median of 1.09. 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 Raiffeisen Bank Aval JSC (PFTS:BAVL), the current PB Ratio is 0.69 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.
Raiffeisen Bank Aval JSC is a Ukraine based bank. It provides banking services to private individuals, corporate clients, and small and micro enterprises in Ukraine through electronic channels. It offers services and products to private individuals, including deposits; money transfers in UAH and foreign currencies, with or without opening an account; a wide list of new payment instruments including MasterCard and Visa International cards; consumer loans and many others. Its segments include Corporate & Small enterprises, Micro customers & Private individuals, Financial institutions, and Proprietary business. The majority of its revenue comes from Corporate & Small enterprises segment.
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