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PicS NVPICS -1.60%39 PB Ratio is 1.07 as of Aug. 28, 2026, which is 16% below its 10-year median of 1.27. GuruFocus rates PICS with a GF Score™ of 39/100. The stock has 2 warning signs investors should review. Among 2,633 Software companies, PicS NV ranks better than 80.78% 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 (2026-08-28), PicS NV's share price is $10.165. PicS NV's Book Value per Share for the quarter that ended in Jun. 2026 was $9.50. Hence, PicS NV's PB Ratio of today is 1.07.
Good Sign:
PicS NV stock PB Ratio (=1.09) is close to 1-year low of 1.03.
The historical rank and industry rank for PicS NV's PB Ratio or its related term are showing as below:
PICS'
s PB Ratio Range Over the Past 10 Years
Min: 1.03 Med: 1.27 Max: 3.29
Current: 1.07
During the past 7 years, PicS NV's highest PB Ratio was 3.29. The lowest was 1.03. And the median was 1.27.
PICS's PB Ratio is ranked better than 80.78% of 2633
companies
in the Software industry
Industry Median: 2.5
vs PICS: 1.07
During the past 12 months, PicS NV's average Book Value Per Share Growth Rate was 192.00% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 43.10% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 66.80% per year.
During the past 7 years, the highest 3-Year average Book Value Per Share Growth Rate of PicS NV was 169.00% per year. The lowest was 43.10% per year. And the median was 74.00% 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.
PicS NV PB Ratio Related Terms
PicS NV PB Ratio Historical Data
* Premium members only.
The historical data trend for PicS NV'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 Software - Infrastructure subindustry, PicS NV'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.
PicS NV PB Ratio vs Software Industry
For the Software industry and Technology sector, PicS NV's PB Ratio distribution charts can be found below:
* The bar in red indicates where PicS NV'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.
PicS NV'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.
PicS NV (PICS) has a PB Ratio of 1.07 as of Aug. 28, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on PicS NV and its competitors. This is 16% below median its historical median of 1.27. Over the past decade, PicS NV's PB Ratio has ranged from 1.03 to 3.29. According to the industry distribution chart, PicS NV ranks #506 out of 2633 companies in the Software industry, placing it in the top 19.2%.
Is PicS NV's PB Ratio too high?
PicS NV's current PB Ratio of 1.07 is 16% below median its 10-year median of 1.27. Over the past 10 years, this metric has ranged from a low of 1.03 to a high of 3.29. The Software industry median PB Ratio is 2.50. PicS NV's value of 1.07 is 57.2% below this industry median. Based on the distribution chart, PicS NV ranks #506 out of 2633 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, PicS NV has a GF Score™ of 39/100, reflecting its overall financial health beyond just this single metric.
How does PicS NV's PB Ratio compare to PRGS and NN?
According to the Software industry distribution chart, PicS NV ranks #506 out of 2633 companies for PB Ratio. This places PicS NV in the top 19% of its industry — outperforming the majority of peers. The industry median PB Ratio is 2.50. PicS NV's value of 1.07 is 57.2% below this benchmark. Historically, PicS NV's own PB Ratio has ranged from 1.03 to 3.29 over the past decade. While the company's 10-year median is 1.27 vs. the industry median of 2.50, PicS NV 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 Software company?
The median PB Ratio among Software companies is 2.50, based on 2,633 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. PicS NV's current PB Ratio of 1.07 is 57.2% 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 PicS NV and its competitors. For the Software industry, the median PB Ratio is 2.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PicS NV's current PB Ratio is 1.07, which is 16% below median its own 10-year median of 1.27. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PicS NV stock overvalued right now?
PicS NV (PICS) has a current PB Ratio of 1.07. The current PB Ratio is 1.07, which is 16% below median its 10-year median of 1.27 and 57.2% below the Software industry median of 2.50. PicS NV's overall GF Score™ is 39/100 with 2 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 PicS NV (PICS), the current PB Ratio is 1.07 as of Aug. 28, 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.
PicS NV is a digital payments company. The company operates a peer-to-peer (P2P) transfer platform that enables individuals to send money via mobile devices. It provides digital wallets, instant payments (Pix), P2P transfers, credit cards, loans, investments, insurance, and SMB payment solutions. The company has four reportable segments: Consumer Banking, Small and Medium-Sized Businesses, Audiences and Ecosystem Integration, and Institutional. The majority of the company's revenue is derived from the Consumer Banking segment, which generates revenue from various transaction activities occurring in the digital wallet, such as Pix, peer-to-peer (P2P) transfers, and bill payments.
39GF Score
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