WAG Payment SolutionsXPRA:WPS 63 PB Ratio is 3.45 as of Jul. 07, 2026, which is 36% above its 10-year median of 2.54. GuruFocus rates XPRA:WPS with a GF Score™ of 63/100 and a GF Value™ of Kč14.26 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 2,627 Software companies, WAG Payment Solutions ranks worse than 65.59% on this metric.
The historical rank and industry rank for WAG Payment Solutions's PB Ratio or its related term are showing as below:
XPRA:WPS'
s PB Ratio Range Over the Past 10 Years
Min: 1.87 Med: 2.54 Max: 39.23
Current: 3.56
During the past 8 years, WAG Payment Solutions's highest PB Ratio was 39.23. The lowest was 1.87. And the median was 2.54.
XPRA:WPS's PB Ratio is ranked worse than 65.59% of 2627
companies
in the Software industry
Industry Median: 2.42
vs XPRA:WPS: 3.56
During the past 12 months, WAG Payment Solutions's average Book Value Per Share Growth Rate was -2.20% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was -8.00% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 32.60% per year.
During the past 8 years, the highest 3-Year average Book Value Per Share Growth Rate of WAG Payment Solutions was 165.70% per year. The lowest was -8.00% per year. And the median was 71.80% per year.
Back to Basics: PB Ratio
WAG Payment Solutions (XPRA:WPS) 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 Software - Infrastructure subindustry, WAG Payment Solutions'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.
WAG Payment Solutions PB Ratio vs Software Industry
For the Software industry and Technology sector, WAG Payment Solutions's PB Ratio distribution charts can be found below:
* The bar in red indicates where WAG Payment Solutions'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.
WAG Payment Solutions (XPRA:WPS) has a PB Ratio of 3.45 as of Jul. 07, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on WAG Payment Solutions and its competitors. This is 36% above median its historical median of 2.54. Over the past decade, WAG Payment Solutions' PB Ratio has ranged from 1.87 to 39.23. According to the industry distribution chart, WAG Payment Solutions ranks #1723 out of 2627 companies in the Software industry, placing it in the top 65.6%.
Is WAG Payment Solutions' PB Ratio too high?
WAG Payment Solutions' current PB Ratio of 3.45 is 36% above median its 10-year median of 2.54. Over the past 10 years, this metric has ranged from a low of 1.87 to a high of 39.23. The Software industry median PB Ratio is 2.42. WAG Payment Solutions' value of 3.45 is 42.6% above this industry median. Based on the distribution chart, WAG Payment Solutions ranks #1723 out of 2627 companies in the Software industry, which is below the industry midpoint. Overall, WAG Payment Solutions has a GF Score™ of 63/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does WAG Payment Solutions' PB Ratio compare to MSFT and ORCL?
According to the Software industry distribution chart, WAG Payment Solutions ranks #1723 out of 2627 companies for PB Ratio. This places WAG Payment Solutions in the lower half of its industry. The industry median PB Ratio is 2.42. WAG Payment Solutions' value of 3.45 is 42.6% above this benchmark. Historically, WAG Payment Solutions' own PB Ratio has ranged from 1.87 to 39.23 over the past decade. While the company's 10-year median is 2.54 vs. the industry median of 2.42, WAG Payment Solutions 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 Software company?
The median PB Ratio among Software companies is 2.42, based on 2,627 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. WAG Payment Solutions's current PB Ratio of 3.45 is 42.6% 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 WAG Payment Solutions and its competitors. For the Software industry, the median PB Ratio is 2.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. WAG Payment Solutions's current PB Ratio is 3.45, which is 36% above median its own 10-year median of 2.54. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is WAG Payment Solutions stock overvalued right now?
Based on GuruFocus' analysis, WAG Payment Solutions (XPRA:WPS) is currently considered Significantly Overvalued. The stock's GF Value™ is Kč14.26, compared to a current price of Kč29.40 — trading 106.2% above its estimated fair value. The current PB Ratio is 3.45, which is 36% above median its 10-year median of 2.54 and 42.6% above the Software industry median of 2.42. WAG Payment Solutions' overall GF Score™ is 63/100 with 3 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 WAG Payment Solutions (XPRA:WPS), the current PB Ratio is 3.45 as of Jul. 07, 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 WAG Payment Solutions (XPRA:WPS) Overvalued in 2026?
Based on GuruFocus' analysis, WAG Payment Solutions stock appears to be overvalued.
The current stock price of Kč29.40 is trading 106.2% above its estimated GF Value™ of Kč14.26.
GuruFocus considers WAG Payment Solutions to be Significantly Overvalued.
Key valuation signals for XPRA:WPS:
PB Ratio: 3.45 (36% above median its 10-year median of 2.54)
GF Value™: Kč14.26 vs. price of Kč29.40 (106.2% above fair value)
Industry Position: 42.6% above the Software median (#1723 of 2627)
No single metric tells the full story. See the XPRA:WPS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
WAG Payment Solutions PLC operates as a pan-European payments and mobility platform focused on the commercial road transport sector. Its offerings include payment solutions and services designed to support operations in the transport industry. The company is organised into two operating segments: Payment solutions and Mobility solutions. Payment solutions represent the company's revenues, which are based on recurring and frequent transactional payments. The segment includes Energy and Toll payments. Mobility solutions represent a number of services, which are either subscription based or subsequently sold to customers using Payment solutions products. The majority of revenue is derived from the Payment solutions segment. Geographically, it generates the maximum revenue from Poland.
63GF Score
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