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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.
Payment Financial Technologies PB Ratio Related Terms
Payment Financial Technologies PB Ratio Historical Data
* 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.
XTAE:PMNT vs MSFT, ORCL, PLTR: PB Ratio Comparison
For the Software - Infrastructure subindustry, Payment Financial Technologies'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.
Payment Financial Technologies PB Ratio vs Software Industry
For the Software industry and Technology sector, Payment Financial Technologies's PB Ratio distribution charts can be found below:
* The bar in red indicates where Payment Financial Technologies's PB Ratio falls into.
Payment Financial Technologies PB Ratio Calculation
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.
Payment Financial Technologies (XTAE:PMNT) has a PB Ratio of 2.75 as of Aug. 05, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Payment Financial Technologies and its competitors. This is near median its historical median of 2.60. Over the past decade, Payment Financial Technologies' PB Ratio has ranged from 1.96 to 3.75. According to the industry distribution chart, Payment Financial Technologies ranks #1476 out of 2632 companies in the Software industry, placing it in the top 56.1%.
Is Payment Financial Technologies' PB Ratio too high?
Payment Financial Technologies' current PB Ratio of 2.75 is near median its 10-year median of 2.60. Over the past 10 years, this metric has ranged from a low of 1.96 to a high of 3.75. The Software industry median PB Ratio is 2.46. Payment Financial Technologies' value of 2.75 is 11.8% above this industry median. Based on the distribution chart, Payment Financial Technologies ranks #1476 out of 2632 companies in the Software industry, which is below the industry midpoint. Overall, Payment Financial Technologies has a GF Score™ of 88/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Payment Financial Technologies' PB Ratio compare to MSFT and ORCL?
According to the Software industry distribution chart, Payment Financial Technologies ranks #1476 out of 2632 companies for PB Ratio. This places Payment Financial Technologies in the lower half of its industry. The industry median PB Ratio is 2.46. Payment Financial Technologies' value of 2.75 is 11.8% above this benchmark. Historically, Payment Financial Technologies' own PB Ratio has ranged from 1.96 to 3.75 over the past decade. While the company's 10-year median is 2.60 vs. the industry median of 2.46, Payment Financial Technologies 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 2.46, based on 2,632 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. Payment Financial Technologies's current PB Ratio of 2.75 is 11.8% 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 Payment Financial Technologies and its competitors. For the Software industry, the median PB Ratio is 2.46 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Payment Financial Technologies's current PB Ratio is 2.75, which is near median its own 10-year median of 2.60. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Payment Financial Technologies stock overvalued right now?
Based on GuruFocus' analysis, Payment Financial Technologies (XTAE:PMNT) is currently considered Modestly Undervalued. The stock's GF Value™ is ₪6.55, compared to a current price of ₪5.76 — trading 12.1% below its estimated fair value. The current PB Ratio is 2.75, which is near median its 10-year median of 2.60 and 11.8% above the Software industry median of 2.46. Payment Financial Technologies' overall GF Score™ is 88/100 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 Payment Financial Technologies (XTAE:PMNT), the current PB Ratio is 2.75 as of Aug. 05, 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 Payment Financial Technologies (XTAE:PMNT) Overvalued in 2026?
Based on GuruFocus' analysis, Payment Financial Technologies stock appears to be undervalued.
The current stock price of ₪5.76 is trading 12.1% below its estimated GF Value™ of ₪6.55.
GuruFocus considers Payment Financial Technologies to be Modestly Undervalued.
Key valuation signals for XTAE:PMNT:
PB Ratio: 2.75 (near median its 10-year median of 2.60)
GF Value™: ₪6.55 vs. price of ₪5.76 (12.1% below fair value)
Industry Position: 11.8% above the Software median (#1476 of 2632)
No single metric tells the full story. See the XTAE:PMNT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Payment Financial Technologies Ltd owns the PaymenT brand which is a payment platform. It is a means of payment that allows businesses to offer financing to their customers easily, quickly, and conveniently and receive immediate payment for the products and services sold.
88GF Score
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