PBS FinanseWAR:PBF 75 PB Ratio is 1.41 as of Jul. 06, 2026, which is 161% above its 10-year median of 0.54. GuruFocus rates WAR:PBF with a GF Score™ of 75/100 and a GF Value™ of zł1.36 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 522 Credit Services companies, PBS Finanse ranks worse than 60.73% 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 (2026-07-06), PBS Finanse's share price is zł1.18. PBS Finanse's Book Value per Share for the quarter that ended in Mar. 2026 was zł0.84. Hence, PBS Finanse's PB Ratio of today is 1.41.
Warning Sign:
PBS Finanse SA stock PB Ratio (=1.41) is close to 1-year high of 1.41.
The historical rank and industry rank for PBS Finanse's PB Ratio or its related term are showing as below:
WAR:PBF'
s PB Ratio Range Over the Past 10 Years
Min: 0.1 Med: 0.54 Max: 2.34
Current: 1.41
During the past 13 years, PBS Finanse's highest PB Ratio was 2.34. The lowest was 0.10. And the median was 0.54.
WAR:PBF's PB Ratio is ranked worse than 60.73% of 522
companies
in the Credit Services industry
Industry Median: 1.05
vs WAR:PBF: 1.41
During the past 12 months, PBS Finanse's average Book Value Per Share Growth Rate was 1.00% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 1.10% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -0.40% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was -11.80% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of PBS Finanse was 1.10% per year. The lowest was -36.70% per year. And the median was -7.60% 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.
PBS Finanse PB Ratio Related Terms
PBS Finanse PB Ratio Historical Data
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The historical data trend for PBS Finanse'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, PBS Finanse'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.
PBS Finanse PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PBS Finanse's PB Ratio distribution charts can be found below:
* The bar in red indicates where PBS Finanse'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.
PBS Finanse'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.
PBS Finanse (WAR:PBF) has a PB Ratio of 1.41 as of Jul. 06, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on PBS Finanse and its competitors. This is 161% above median its historical median of 0.54. Over the past decade, PBS Finanse's PB Ratio has ranged from 0.10 to 2.34. According to the industry distribution chart, PBS Finanse ranks #317 out of 522 companies in the Credit Services industry, placing it in the top 60.7%.
Is PBS Finanse's PB Ratio too high?
PBS Finanse's current PB Ratio of 1.41 is 161% above median its 10-year median of 0.54. Over the past 10 years, this metric has ranged from a low of 0.10 to a high of 2.34. The Credit Services industry median PB Ratio is 1.05. PBS Finanse's value of 1.41 is 34.3% above this industry median. Based on the distribution chart, PBS Finanse ranks #317 out of 522 companies in the Credit Services industry, which is below the industry midpoint. Overall, PBS Finanse has a GF Score™ of 75/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PBS Finanse's PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, PBS Finanse ranks #317 out of 522 companies for PB Ratio. This places PBS Finanse in the lower half of its industry. The industry median PB Ratio is 1.05. PBS Finanse's value of 1.41 is 34.3% above this benchmark. Historically, PBS Finanse's own PB Ratio has ranged from 0.10 to 2.34 over the past decade. While the company's 10-year median is 0.54 vs. the industry median of 1.05, PBS Finanse 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 522 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. PBS Finanse's current PB Ratio of 1.41 is 34.3% 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 PBS Finanse 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. PBS Finanse's current PB Ratio is 1.41, which is 161% above median its own 10-year median of 0.54. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PBS Finanse stock overvalued right now?
Based on GuruFocus' analysis, PBS Finanse (WAR:PBF) is currently considered Modestly Undervalued. The stock's GF Value™ is zł1.36, compared to a current price of zł1.18 — trading 13.2% below its estimated fair value. The current PB Ratio is 1.41, which is 161% above median its 10-year median of 0.54 and 34.3% above the Credit Services industry median of 1.05. PBS Finanse's overall GF Score™ is 75/100 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 PBS Finanse (WAR:PBF), the current PB Ratio is 1.41 as of Jul. 06, 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 PBS Finanse (WAR:PBF) Overvalued in 2026?
Based on GuruFocus' analysis, PBS Finanse stock appears to be undervalued.
The current stock price of zł1.18 is trading 13.2% below its estimated GF Value™ of zł1.36.
GuruFocus considers PBS Finanse to be Modestly Undervalued.
Key valuation signals for WAR:PBF:
PB Ratio: 1.41 (161% above median its 10-year median of 0.54)
GF Value™: zł1.36 vs. price of zł1.18 (13.2% below fair value)
Industry Position: 34.3% above the Credit Services median (#317 of 522)
No single metric tells the full story. See the WAR:PBF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PBS Finanse SA is a financial service provider to individuals and corporate customers. The company focuses on three areas namely credit intermediation, fast loan, and financial leasing. It also provides services in factoring, insurance, loan, and debt collection sector as well as operations related to software and consultancy in the field of Computer Science and related activities.
75GF Score
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