Adyen NVXSWX:ADYEN 89 PB Ratio is 5.22 as of Jul. 01, 2026, which is 80% below its 10-year median of 25.73. GuruFocus rates XSWX:ADYEN with a GF Score™ of 89/100 and a GF Value™ of CHF1,606.80. The stock has 1 warning sign investors should review. Among 2,620 Software companies, Adyen NV ranks worse than 77.1% 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 (2026-07-01), Adyen NV's share price is CHF815.90. Adyen NV's Book Value per Share for the quarter that ended in Dec. 2025 was CHF156.39. Hence, Adyen NV's PB Ratio of today is 5.22.
Good Sign:
Adyen NV stock PB Ratio (=4.92) is close to 10-year low of 4.88.
The historical rank and industry rank for Adyen NV's PB Ratio or its related term are showing as below:
XSWX:ADYEN'
s PB Ratio Range Over the Past 10 Years
Min: 4.88 Med: 25.73 Max: 68.41
Current: 4.92
During the past 12 years, Adyen NV's highest PB Ratio was 68.41. The lowest was 4.88. And the median was 25.73.
XSWX:ADYEN's PB Ratio is ranked worse than 77.1% of 2620
companies
in the Software industry
Industry Median: 2.37
vs XSWX:ADYEN: 4.92
During the past 12 months, Adyen NV's average Book Value Per Share Growth Rate was 24.70% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 29.10% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 32.70% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 37.10% per year.
During the past 12 years, the highest 3-Year average Book Value Per Share Growth Rate of Adyen NV was 46.50% per year. The lowest was 29.10% per year. And the median was 39.20% 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.
Adyen NV PB Ratio Related Terms
Adyen NV PB Ratio Historical Data
* Premium members only.
The historical data trend for Adyen 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.
XSWX:ADYEN vs MSFT, ORCL, PLTR: PB Ratio Comparison
For the Software - Infrastructure subindustry, Adyen 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.
Adyen NV PB Ratio vs Software Industry
For the Software industry and Technology sector, Adyen NV's PB Ratio distribution charts can be found below:
* The bar in red indicates where Adyen 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.
Adyen 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.
Adyen NV (XSWX:ADYEN) has a PB Ratio of 5.22 as of Jul. 01, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Adyen NV and its competitors. This is 80% below median its historical median of 25.73. Over the past decade, Adyen NV's PB Ratio has ranged from 4.88 to 68.41. According to the industry distribution chart, Adyen NV ranks #2020 out of 2620 companies in the Software industry, placing it in the top 77.1%.
Is Adyen NV's PB Ratio too high?
Adyen NV's current PB Ratio of 5.22 is 80% below median its 10-year median of 25.73. Over the past 10 years, this metric has ranged from a low of 4.88 to a high of 68.41. The Software industry median PB Ratio is 2.37. Adyen NV's value of 5.22 is 120.3% above this industry median. Based on the distribution chart, Adyen NV ranks #2020 out of 2620 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, Adyen NV has a GF Score™ of 89/100, reflecting its overall financial health beyond just this single metric.
How does Adyen NV's PB Ratio compare to MSFT and ORCL?
According to the Software industry distribution chart, Adyen NV ranks #2020 out of 2620 companies for PB Ratio. This places Adyen NV in the lower half of its industry. The industry median PB Ratio is 2.37. Adyen NV's value of 5.22 is 120.3% above this benchmark. Historically, Adyen NV's own PB Ratio has ranged from 4.88 to 68.41 over the past decade. While the company's 10-year median is 25.73 vs. the industry median of 2.37, Adyen NV 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 2.37, based on 2,620 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. Adyen NV's current PB Ratio of 5.22 is 120.3% 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 Adyen NV and its competitors. For the Software industry, the median PB Ratio is 2.37 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Adyen NV's current PB Ratio is 5.22, which is 80% below median its own 10-year median of 25.73. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Adyen NV stock overvalued right now?
Adyen NV (XSWX:ADYEN) has a current PB Ratio of 5.22. The stock's GF Value™ is CHF1,606.80, compared to a current price of CHF815.90 — trading 49.2% below its estimated fair value. The current PB Ratio is 5.22, which is 80% below median its 10-year median of 25.73 and 120.3% above the Software industry median of 2.37. Adyen NV's overall GF Score™ is 89/100 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 Adyen NV (XSWX:ADYEN), the current PB Ratio is 5.22 as of Jul. 01, 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 Adyen NV (XSWX:ADYEN) Overvalued in 2026?
Based on GuruFocus' analysis, Adyen NV stock appears to be undervalued.
The current stock price of CHF815.90 is trading 49.2% below its estimated GF Value™ of CHF1,606.80.
Key valuation signals for XSWX:ADYEN:
PB Ratio: 5.22 (80% below median its 10-year median of 25.73)
GF Value™: CHF1,606.80 vs. price of CHF815.90 (49.2% below fair value)
Industry Position: 120.3% above the Software median (#2020 of 2620)
No single metric tells the full story. See the XSWX:ADYEN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Adyen is a payment company that provides merchants with a single platform to accept e-commerce, mobile, and point-of-sale payments in multiple countries using various payment schemes and methodologies. Adyen started out providing only gateway and payment processing services to merchants but soon expanded into merchant acquiring services as well. Adyen obtained a banking license to improve settlement of merchant accounts.
89GF Score
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