FirstcautionXPAR:MLFIR 84 PB Ratio is 10.46 as of Jun. 26, 2026, which is 12% above its 10-year median of 9.36. GuruFocus rates XPAR:MLFIR with a GF Score™ of 84/100 and a GF Value™ of €51.58 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 497 Insurance companies, Firstcaution ranks worse than 98.19% 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 (2026-06-26), Firstcaution's share price is €32.00. Firstcaution's Book Value per Share for the quarter that ended in Dec. 2025 was €3.06. Hence, Firstcaution's PB Ratio of today is 10.46.
The historical rank and industry rank for Firstcaution's PB Ratio or its related term are showing as below:
XPAR:MLFIR'
s PB Ratio Range Over the Past 10 Years
Min: 3.41 Med: 9.36 Max: 23.86
Current: 10.46
During the past 10 years, Firstcaution's highest PB Ratio was 23.86. The lowest was 3.41. And the median was 9.36.
XPAR:MLFIR's PB Ratio is ranked worse than 98.19% of 497
companies
in the Insurance industry
Industry Median: 1.38
vs XPAR:MLFIR: 10.46
During the past 12 months, Firstcaution's average Book Value Per Share Growth Rate was 18.70% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 13.70% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 5.20% per year.
During the past 10 years, the highest 3-Year average Book Value Per Share Growth Rate of Firstcaution was 15.60% per year. The lowest was -3.90% per year. And the median was 6.80% 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.
Firstcaution PB Ratio Related Terms
Firstcaution PB Ratio Historical Data
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The historical data trend for Firstcaution'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 Insurance Brokers subindustry, Firstcaution'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.
Firstcaution PB Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Firstcaution's PB Ratio distribution charts can be found below:
* The bar in red indicates where Firstcaution'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.
Firstcaution'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.
Firstcaution (XPAR:MLFIR) has a PB Ratio of 10.46 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 Firstcaution and its competitors. This is 12% above median its historical median of 9.36. Over the past decade, Firstcaution's PB Ratio has ranged from 3.41 to 23.86. According to the industry distribution chart, Firstcaution ranks #488 out of 497 companies in the Insurance industry, placing it in the top 98.2%.
Is Firstcaution's PB Ratio too high?
Firstcaution's current PB Ratio of 10.46 is 12% above median its 10-year median of 9.36. Over the past 10 years, this metric has ranged from a low of 3.41 to a high of 23.86. The Insurance industry median PB Ratio is 1.38. Firstcaution's value of 10.46 is 658% above this industry median. Based on the distribution chart, Firstcaution ranks #488 out of 497 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Firstcaution has a GF Score™ of 84/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Firstcaution's PB Ratio compare to MRSH and AON?
According to the Insurance industry distribution chart, Firstcaution ranks #488 out of 497 companies for PB Ratio. This places Firstcaution in the lower half of its industry. The industry median PB Ratio is 1.38. Firstcaution's value of 10.46 is 658% above this benchmark. Historically, Firstcaution's own PB Ratio has ranged from 3.41 to 23.86 over the past decade. While the company's 10-year median is 9.36 vs. the industry median of 1.38, Firstcaution 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 an Insurance company?
The median PB Ratio among Insurance companies is 1.38, based on 497 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. Firstcaution's current PB Ratio of 10.46 is 658% 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 Firstcaution and its competitors. For the Insurance industry, the median PB Ratio is 1.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Firstcaution's current PB Ratio is 10.46, which is 12% above median its own 10-year median of 9.36. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Firstcaution stock overvalued right now?
Based on GuruFocus' analysis, Firstcaution (XPAR:MLFIR) is currently considered Significantly Undervalued. The stock's GF Value™ is €51.58, compared to a current price of €32.00 — trading 38% below its estimated fair value. The current PB Ratio is 10.46, which is 12% above median its 10-year median of 9.36 and 658% above the Insurance industry median of 1.38. Firstcaution's overall GF Score™ is 84/100 with 1 warning sign 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 Firstcaution (XPAR:MLFIR), the current PB Ratio is 10.46 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.
Is Firstcaution (XPAR:MLFIR) Overvalued in 2026?
Based on GuruFocus' analysis, Firstcaution stock appears to be undervalued.
The current stock price of €32.00 is trading 38% below its estimated GF Value™ of €51.58.
GuruFocus considers Firstcaution to be Significantly Undervalued.
Key valuation signals for XPAR:MLFIR:
PB Ratio: 10.46 (12% above median its 10-year median of 9.36)
GF Value™: €51.58 vs. price of €32.00 (38% below fair value)
Industry Position: 658% above the Insurance median (#488 of 497)
No single metric tells the full story. See the XPAR:MLFIR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Firstcaution SA is an insurance company engaged in processing and providing rental deposit guarantees for private and commercial leases in Switzerland. It offers commercial lease deposit, combined cash deposit and guarantee, and individual risk assessment products to business customers; and guarantees for residential or commercial leases of private customers.
84GF Score
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