GURUFOCUS.COM » STOCK LIST » Financial Services » Credit Services » Poonawalla Fincorp Ltd (NSE:POONAWALLA) » Definitions » Cyclically Adjusted PB Ratio

Poonawalla Fincorp (NSE:POONAWALLA) Cyclically Adjusted PB Ratio : 3.05 (As of Dec. 12, 2024)


View and export this data going back to 2004. Start your Free Trial

What is Poonawalla Fincorp Cyclically Adjusted PB Ratio?

As of today (2024-12-12), Poonawalla Fincorp's current share price is ₹364.35. Poonawalla Fincorp's Cyclically Adjusted Book per Share for the quarter that ended in Sep. 2024 was ₹119.58. Poonawalla Fincorp's Cyclically Adjusted PB Ratio for today is 3.05.

The historical rank and industry rank for Poonawalla Fincorp's Cyclically Adjusted PB Ratio or its related term are showing as below:

NSE:POONAWALLA' s Cyclically Adjusted PB Ratio Range Over the Past 10 Years
Min: 0.13   Med: 2.49   Max: 4.22
Current: 3

During the past years, Poonawalla Fincorp's highest Cyclically Adjusted PB Ratio was 4.22. The lowest was 0.13. And the median was 2.49.

NSE:POONAWALLA's Cyclically Adjusted PB Ratio is ranked worse than
81.89% of 403 companies
in the Credit Services industry
Industry Median: 1.05 vs NSE:POONAWALLA: 3.00

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Poonawalla Fincorp's adjusted book value per share data for the three months ended in Sep. 2024 was ₹104.390. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is ₹119.58 for the trailing ten years ended in Sep. 2024.

Shiller PE for Stocks: The True Measure of Stock Valuation


Poonawalla Fincorp Cyclically Adjusted PB Ratio Historical Data

The historical data trend for Poonawalla Fincorp's Cyclically Adjusted 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.

* Premium members only.

Poonawalla Fincorp Cyclically Adjusted PB Ratio Chart

Poonawalla Fincorp Annual Data
Trend Mar15 Mar16 Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24
Cyclically Adjusted PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.17 0.99 2.36 2.50 3.94

Poonawalla Fincorp Quarterly Data
Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24
Cyclically Adjusted PB Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 3.20 - 3.94 - 3.30

Competitive Comparison of Poonawalla Fincorp's Cyclically Adjusted PB Ratio

For the Credit Services subindustry, Poonawalla Fincorp's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted 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.


Poonawalla Fincorp's Cyclically Adjusted PB Ratio Distribution in the Credit Services Industry

For the Credit Services industry and Financial Services sector, Poonawalla Fincorp's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Poonawalla Fincorp's Cyclically Adjusted PB Ratio falls into.



Poonawalla Fincorp Cyclically Adjusted PB Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.

Poonawalla Fincorp's Cyclically Adjusted PB Ratio for today is calculated as

Cyclically Adjusted PB Ratio=Share Price/ Cyclically Adjusted Book per Share
=364.35/119.58
=3.05

* 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.

Poonawalla Fincorp's Cyclically Adjusted Book per Share for the quarter that ended in Sep. 2024 is calculated as:

For example, Poonawalla Fincorp's adjusted Book Value per Share data for the three months ended in Sep. 2024 was:

Adj_Book=Book Value per Share/CPI of Sep. 2024 (Change)*Current CPI (Sep. 2024)
=104.39/157.8822*157.8822
=104.390

Current CPI (Sep. 2024) = 157.8822.

Poonawalla Fincorp Quarterly Data

Book Value per Share CPI Adj_Book
201412 0.000 96.780 0.000
201503 93.867 97.163 152.527
201506 0.000 99.841 0.000
201509 98.794 101.753 153.290
201512 0.000 102.901 0.000
201603 91.387 102.518 140.740
201606 0.000 105.961 0.000
201609 94.944 105.961 141.467
201612 0.000 105.196 0.000
201703 74.001 105.196 111.064
201706 0.000 107.109 0.000
201709 94.672 109.021 137.102
201712 0.000 109.404 0.000
201803 83.197 109.786 119.644
201806 0.000 111.317 0.000
201809 95.822 115.142 131.391
201812 0.000 115.142 0.000
201903 101.881 118.202 136.082
201906 0.000 120.880 0.000
201909 102.167 123.175 130.955
201912 0.000 126.235 0.000
202003 101.961 124.705 129.087
202006 0.000 127.000 0.000
202009 105.012 130.118 127.419
202012 0.000 130.889 0.000
202103 81.386 131.771 97.513
202106 0.000 134.084 0.000
202109 76.405 135.847 88.798
202112 0.000 138.161 0.000
202203 79.171 138.822 90.041
202206 0.000 142.347 0.000
202209 83.734 144.661 91.387
202212 0.000 145.763 0.000
202303 89.347 146.865 96.050
202306 0.000 150.280 0.000
202309 101.919 151.492 106.218
202312 0.000 152.924 0.000
202403 105.990 153.035 109.347
202406 0.000 155.789 0.000
202409 104.390 157.882 104.390

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.


Poonawalla Fincorp  (NSE:POONAWALLA) Cyclically Adjusted PB Ratio Explanation

Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.


Poonawalla Fincorp Cyclically Adjusted PB Ratio Related Terms

Thank you for viewing the detailed overview of Poonawalla Fincorp's Cyclically Adjusted PB Ratio provided by GuruFocus.com. Please click on the following links to see related term pages.


Poonawalla Fincorp Business Description

Traded in Other Exchanges
Address
Mundhwa Road, A-201 and 202, 2nd floor, AP81, Koregaon Park Annex, Near Raga Lawns, Mundhwa, Pune, MH, IND, 411036
Poonawalla Fincorp Ltd is a non-banking finance company engaged in providing asset finance. It offers personal loans, business loans, professional loans, credit cards, other loans, and quick pay. Its only operating segment is financing. Geographically, it derives revenue from India.

Poonawalla Fincorp Headlines

No Headlines