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Investment Friends Capital SE stock PB Ratio (=4.66) is close to 2-year high of 4.66.
The historical rank and industry rank for Investment Friends Capital SE's PB Ratio or its related term are showing as below:
WAR:IFC'
s PB Ratio Range Over the Past 10 Years
Min: 0.1 Med: 0.87 Max: 21.23
Current: 4.66
During the past 13 years, Investment Friends Capital SE's highest PB Ratio was 21.23. The lowest was 0.10. And the median was 0.87.
WAR:IFC's PB Ratio is not ranked
in the Credit Services industry.
Industry Median: 1.05
vs WAR:IFC: 4.66
During the past 12 months, Investment Friends Capital SE's average Book Value Per Share Growth Rate was -68.10% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was -0.50% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -51.70% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was -36.30% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Investment Friends Capital SE was 115.30% per year. The lowest was -67.00% per year. And the median was -8.45% per year.
Back to Basics: PB Ratio
Investment Friends Capital SE (WAR:IFC) 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.
Investment Friends Capital SE PB Ratio Related Terms
Investment Friends Capital SE PB Ratio Historical Data
* 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, Investment Friends Capital SE'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.
Investment Friends Capital SE PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Investment Friends Capital SE's PB Ratio distribution charts can be found below:
* The bar in red indicates where Investment Friends Capital SE's PB Ratio falls into.
Investment Friends Capital SE PB Ratio Calculation
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.
Investment Friends Capital SE (WAR:IFC) has a PB Ratio of 4.68 as of Jul. 16, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Investment Friends Capital SE and its competitors. This is 438% above median its historical median of 0.87. Over the past decade, Investment Friends Capital SE's PB Ratio has ranged from 0.10 to 21.23.
Is Investment Friends Capital SE's PB Ratio too high?
Investment Friends Capital SE's current PB Ratio of 4.68 is 438% above median its 10-year median of 0.87. Over the past 10 years, this metric has ranged from a low of 0.10 to a high of 21.23. The Credit Services industry median PB Ratio is 1.05. Investment Friends Capital SE's value of 4.68 is 345.7% above this industry median.
How does Investment Friends Capital SE's PB Ratio compare to V and MA?
Investment Friends Capital SE's PB Ratio of 4.68 can be compared against companies in the Credit Services industry. The industry median PB Ratio is 1.05. Investment Friends Capital SE's value of 4.68 is 345.7% above this benchmark. Historically, Investment Friends Capital SE's own PB Ratio has ranged from 0.10 to 21.23 over the past decade. While the company's 10-year median is 0.87 vs. the industry median of 1.05, Investment Friends Capital SE 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 1.05, based on 525 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. Investment Friends Capital SE's current PB Ratio of 4.68 is 345.7% 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 Investment Friends Capital SE 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. Investment Friends Capital SE's current PB Ratio is 4.68, which is 438% above 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 Investment Friends Capital SE stock overvalued right now?
Investment Friends Capital SE (WAR:IFC) has a current PB Ratio of 4.68. The stock's GF Value™ is zł0.01, compared to a current price of zł5.29 — trading 52820% above its estimated fair value. The current PB Ratio is 4.68, which is 438% above median its 10-year median of 0.87 and 345.7% above the Credit Services industry median of 1.05. 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 Investment Friends Capital SE (WAR:IFC), the current PB Ratio is 4.68 as of Jul. 16, 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.
Investment Friends Capital SE Business Description
Investment Friends Capital SE is engaged in financial activities. The Company focuses mainly on financial activities, in particular on providing services in the field of granting large-value cash loans, to business entities operating in Poland.
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