Avarda Bank ABCHIX:AVARDS 76 PS Ratio is 3.74 as of Jun. 26, 2026, which is 17% above its 10-year median of 3.20. GuruFocus rates CHIX:AVARDS with a GF Score™ of 76/100 and a GF Value™ of kr135.51 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 1,515 Banks companies, Avarda Bank AB ranks worse than 68.65% on this metric.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, Avarda Bank AB's share price is kr177.40.
Avarda Bank AB's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was kr47.38. Hence, Avarda Bank AB's PS Ratio for today is 3.74.
The historical rank and industry rank for Avarda Bank AB's PS Ratio or its related term are showing as below:
CHIX:AVARDs'
s PS Ratio Range Over the Past 10 Years
Min: 1.7 Med: 3.2 Max: 5.24
Current: 3.74
During the past 13 years, Avarda Bank AB's highest PS Ratio was 5.24. The lowest was 1.70. And the median was 3.20.
CHIX:AVARDs's PS Ratio is ranked worse than 68.65% of 1515
companies
in the Banks industry
Industry Median: 2.98
vs CHIX:AVARDs: 3.74
Avarda Bank AB has shown predictable revenue and earnings growth.
During the past 12 months, the average Revenue per Share Growth Rate of Avarda Bank AB was 20.20% per year.
During the past 3 years, the average Revenue per Share Growth Rate was 27.20% per year.
During the past 5 years, the average Revenue per Share Growth Rate was 28.80% per year.
During the past 10 years, the average Revenue per Share Growth Rate was 23.00% per year.
During the past 13 years, Avarda Bank AB's highest 3-Year average Revenue per Share Growth Rate was 32.30% per year. The lowest was 13.80% per year. And the median was 19.55% per year.
Back to Basics: PS Ratio
Avarda Bank AB (CHIX:AVARDs) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
Avarda Bank AB PS Ratio Related Terms
Avarda Bank AB PS Ratio Historical Data
* Premium members only.
The historical data trend for Avarda Bank AB's PS 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 Banks - Regional subindustry, Avarda Bank AB's PS Ratio, along with its competitors' market caps and PS 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.
Avarda Bank AB PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Avarda Bank AB's PS Ratio distribution charts can be found below:
* The bar in red indicates where Avarda Bank AB's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
Avarda Bank AB's Share Price of today is kr177.40. Avarda Bank AB's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was kr47.38.
* 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:
Avarda Bank AB (CHIX:AVARDS) has a PS Ratio of 3.74 as of Jun. 26, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Avarda Bank AB and its competitors. This is 17% above median its historical median of 3.20. Over the past decade, Avarda Bank AB's PS Ratio has ranged from 1.70 to 5.24. According to the industry distribution chart, Avarda Bank AB ranks #1040 out of 1515 companies in the Banks industry, placing it in the top 68.6%.
Is Avarda Bank AB's PS Ratio too high?
Avarda Bank AB's current PS Ratio of 3.74 is 17% above median its 10-year median of 3.20. Over the past 10 years, this metric has ranged from a low of 1.70 to a high of 5.24. The Banks industry median PS Ratio is 2.98. Avarda Bank AB's value of 3.74 is 25.5% above this industry median. Based on the distribution chart, Avarda Bank AB ranks #1040 out of 1515 companies in the Banks industry, which is below the industry midpoint. Overall, Avarda Bank AB has a GF Score™ of 76/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Avarda Bank AB's PS Ratio compare to PNC and USB?
According to the Banks industry distribution chart, Avarda Bank AB ranks #1040 out of 1515 companies for PS Ratio. This places Avarda Bank AB in the lower half of its industry. The industry median PS Ratio is 2.98. Avarda Bank AB's value of 3.74 is 25.5% above this benchmark. Historically, Avarda Bank AB's own PS Ratio has ranged from 1.70 to 5.24 over the past decade. While the company's 10-year median is 3.20 vs. the industry median of 2.98, Avarda Bank AB 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 PS Ratio for a Banks company?
The median PS Ratio among Banks companies is 2.98, based on 1,515 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Avarda Bank AB's current PS Ratio of 3.74 is 25.5% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Avarda Bank AB and its competitors. For the Banks industry, the median PS Ratio is 2.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Avarda Bank AB's current PS Ratio is 3.74, which is 17% above median its own 10-year median of 3.20. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Avarda Bank AB stock overvalued right now?
Based on GuruFocus' analysis, Avarda Bank AB (CHIX:AVARDS) is currently considered Significantly Overvalued. The stock's GF Value™ is kr135.51, compared to a current price of kr177.40 — trading 30.9% above its estimated fair value. The current PS Ratio is 3.74, which is 17% above median its 10-year median of 3.20 and 25.5% above the Banks industry median of 2.98. Avarda Bank AB's overall GF Score™ is 76/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For Avarda Bank AB (CHIX:AVARDS), the current PS Ratio is 3.74 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 Avarda Bank AB (CHIX:AVARDS) Overvalued in 2026?
Based on GuruFocus' analysis, Avarda Bank AB stock appears to be overvalued.
The current stock price of kr177.40 is trading 30.9% above its estimated GF Value™ of kr135.51.
GuruFocus considers Avarda Bank AB to be Significantly Overvalued.
Key valuation signals for CHIX:AVARDS:
PS Ratio: 3.74 (17% above median its 10-year median of 3.20)
GF Value™: kr135.51 vs. price of kr177.40 (30.9% above fair value)
Industry Position: 25.5% above the Banks median (#1040 of 1515)
No single metric tells the full story. See the CHIX:AVARDS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Avarda Bank AB is a credit market company that provides secure, flexible, unified payment solutions for retailers in Europe. Through its white-label model, it enables merchants to own and control the entire customer journey, strengthening brand awareness, increasing conversion and customer lifetime value, and driving loyalty.
76GF Score
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