Michlol FinanceXTAE:MCLL -1.08%69 PB Ratio is 1.44 as of Jul. 12, 2026, which is 6% below its 10-year median of 1.53. GuruFocus rates XTAE:MCLL with a GF Score™ of 69/100 and a GF Value™ of ₪8.99 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 525 Credit Services companies, Michlol Finance ranks worse than 62.29% 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 (2026-07-12), Michlol Finance's share price is ₪12.80. Michlol Finance's Book Value per Share for the quarter that ended in Mar. 2026 was ₪8.88. Hence, Michlol Finance's PB Ratio of today is 1.44.
Good Sign:
Michlol Finance Ltd stock PB Ratio (=1.44) is close to 1-year low of 1.44.
The historical rank and industry rank for Michlol Finance's PB Ratio or its related term are showing as below:
XTAE:MCLL'
s PB Ratio Range Over the Past 10 Years
Min: 0.77 Med: 1.53 Max: 2.67
Current: 1.44
During the past 7 years, Michlol Finance's highest PB Ratio was 2.67. The lowest was 0.77. And the median was 1.53.
XTAE:MCLL's PB Ratio is ranked worse than 62.29% of 525
companies
in the Credit Services industry
Industry Median: 1.05
vs XTAE:MCLL: 1.44
During the past 12 months, Michlol Finance's average Book Value Per Share Growth Rate was 23.10% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 20.50% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 69.70% per year.
During the past 7 years, the highest 3-Year average Book Value Per Share Growth Rate of Michlol Finance was 169.60% per year. The lowest was 20.00% per year. And the median was 20.50% 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.
Michlol Finance PB Ratio Related Terms
Michlol Finance PB Ratio Historical Data
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The historical data trend for Michlol Finance'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, Michlol Finance'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.
Michlol Finance PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Michlol Finance's PB Ratio distribution charts can be found below:
* The bar in red indicates where Michlol Finance'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.
Michlol Finance'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.
Michlol Finance (XTAE:MCLL) has a PB Ratio of 1.44 as of Jul. 12, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Michlol Finance and its competitors. This is near median its historical median of 1.53. Over the past decade, Michlol Finance's PB Ratio has ranged from 0.77 to 2.67. According to the industry distribution chart, Michlol Finance ranks #327 out of 525 companies in the Credit Services industry, placing it in the top 62.3%.
Is Michlol Finance's PB Ratio too high?
Michlol Finance's current PB Ratio of 1.44 is near median its 10-year median of 1.53. Over the past 10 years, this metric has ranged from a low of 0.77 to a high of 2.67. The Credit Services industry median PB Ratio is 1.05. Michlol Finance's value of 1.44 is 37.1% above this industry median. Based on the distribution chart, Michlol Finance ranks #327 out of 525 companies in the Credit Services industry, which is below the industry midpoint. Overall, Michlol Finance has a GF Score™ of 69/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Michlol Finance's PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Michlol Finance ranks #327 out of 525 companies for PB Ratio. This places Michlol Finance in the lower half of its industry. The industry median PB Ratio is 1.05. Michlol Finance's value of 1.44 is 37.1% above this benchmark. Historically, Michlol Finance's own PB Ratio has ranged from 0.77 to 2.67 over the past decade. While the company's 10-year median is 1.53 vs. the industry median of 1.05, Michlol Finance 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. Michlol Finance's current PB Ratio of 1.44 is 37.1% 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 Michlol Finance 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. Michlol Finance's current PB Ratio is 1.44, which is near median its own 10-year median of 1.53. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Michlol Finance stock overvalued right now?
Based on GuruFocus' analysis, Michlol Finance (XTAE:MCLL) is currently considered Significantly Overvalued. The stock's GF Value™ is ₪8.99, compared to a current price of ₪12.80 — trading 42.4% above its estimated fair value. The current PB Ratio is 1.44, which is near median its 10-year median of 1.53 and 37.1% above the Credit Services industry median of 1.05. Michlol Finance's overall GF Score™ is 69/100 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 Michlol Finance (XTAE:MCLL), the current PB Ratio is 1.44 as of Jul. 12, 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 Michlol Finance (XTAE:MCLL) Overvalued in 2026?
Based on GuruFocus' analysis, Michlol Finance stock appears to be overvalued.
The current stock price of ₪12.80 is trading 42.4% above its estimated GF Value™ of ₪8.99.
GuruFocus considers Michlol Finance to be Significantly Overvalued.
Key valuation signals for XTAE:MCLL:
PB Ratio: 1.44 (near median its 10-year median of 1.53)
GF Value™: ₪8.99 vs. price of ₪12.80 (42.4% above fair value)
Industry Position: 37.1% above the Credit Services median (#327 of 525)
No single metric tells the full story. See the XTAE:MCLL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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