Instant Group AG (STU:CCB) ROE % Adjusted to Book Value: -1.66% (As of Dec. 2025)

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STU:CCB Instant Group AG STU:CCB
37 GF Score
Price €1.70
GF Value €1.00
Valuation Significantly Overvalued
! 2 Warning Signs
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What is Instant Group AG ROE % Adjusted to Book Value?

Instant Group AG STU:CCB 37 ROE % Adjusted to Book Value is -1.66% as of Dec. 2025. GuruFocus rates STU:CCB with a GF Score™ of 37/100 and a GF Value™ of €1.00 (Significantly Overvalued). The stock has 2 warning signs investors should review.

Instant Group AG's ROE % for the quarter that ended in Dec. 2025 was -1.36%. Instant Group AG's PB Ratio for the quarter that ended in Dec. 2025 was 0.82. Instant Group AG's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 was -1.66%.


Instant Group AG ROE % Adjusted to Book Value Related Terms


Instant Group AG ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for Instant Group AG's ROE % Adjusted to Book Value 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.

Instant Group AG ROE % Adjusted to Book Value Chart

Instant Group AG Annual Data
Trend Dec08 Dec10 Dec11 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 24.49 16.37 -14.40 -23.02 -5.98

Instant Group AG Semi-Annual Data
Dec08 Dec10 Dec11 Dec19 Dec20 Dec21 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -15.34 -1.31 -45.83 -11.39 -1.66

STU:CCB vs MS, GS, SCHW: ROE % Adjusted to Book Value Comparison

For the Capital Markets subindustry, Instant Group AG's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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.


Instant Group AG ROE % Adjusted to Book Value vs Capital Markets Industry

For the Capital Markets industry and Financial Services sector, Instant Group AG's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Instant Group AG's ROE % Adjusted to Book Value falls into.


STU:CCB
37GF Score
Instant Group AG STU:CCB
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Instant Group AG ROE % Adjusted to Book Value Calculation

Instant Group AG's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=-4.90% / 0.82
=-5.98%

Instant Group AG's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=-1.36% / 0.82
=-1.66%

* 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.

What does a ROE % Adjusted to Book Value of -1.66% mean?
Instant Group AG (STU:CCB) has a ROE % Adjusted to Book Value of -1.66% as of Dec. 2025. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Instant Group AG and its competitors.
Is Instant Group AG's ROE % Adjusted to Book Value too high?
Instant Group AG's current ROE % Adjusted to Book Value is -1.66%. Overall, Instant Group AG has a GF Score™ of 37/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Instant Group AG's ROE % Adjusted to Book Value compare to MS and GS?
Instant Group AG's ROE % Adjusted to Book Value of -1.66% can be compared against companies in the Capital Markets industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Capital Markets company?
A good ROE % Adjusted to Book Value depends on the Capital Markets industry context. However, ROE % Adjusted to Book Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Instant Group AG and its competitors. Instant Group AG's current ROE % Adjusted to Book Value is -1.66%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Instant Group AG stock overvalued right now?
Based on GuruFocus' analysis, Instant Group AG (STU:CCB) is currently considered Significantly Overvalued. The stock's GF Value™ is €1.00, compared to a current price of €1.70 — trading 70% above its estimated fair value. The current ROE % Adjusted to Book Value is -1.66%. Instant Group AG's overall GF Score™ is 37/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Instant Group AG (STU:CCB), the current ROE % Adjusted to Book Value is -1.66% as of Dec. 2025. 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 Instant Group AG (STU:CCB) Overvalued in 2026?

Based on GuruFocus' analysis, Instant Group AG stock appears to be overvalued. The current stock price of €1.70 is trading 70% above its estimated GF Value™ of €1.00. GuruFocus considers Instant Group AG to be Significantly Overvalued.

Key valuation signals for STU:CCB:

  • ROE % Adjusted to Book Value: -1.66%
  • GF Value™: €1.00 vs. price of €1.70 (70% above fair value)
  • GF Score™: 37/100 with 2 warning signs

No single metric tells the full story. See the STU:CCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Instant Group AG Business Description

Other Exchanges CCB:Germany
Address Innere Wiener Strasse 14, Munich, DEU, 81667
Instant Group AG is a holding company. It enables an alternative path of going public without the long-winded, complicated proceedings of the traditional IPO process. It offers companies advice and implementation of IPOs and IPOs via stock market transactions. Its other services include capital market services, company valuations, dual listing, and brochure builds.
37GF Score

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ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€1.70
Price
€1.00
GF Value