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Kruk (WAR:KRU) Cyclically Adjusted PB Ratio : 3.44 (As of Jun. 09, 2024)


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What is Kruk Cyclically Adjusted PB Ratio?

As of today (2024-06-09), Kruk's current share price is zł440.20. Kruk's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2024 was zł128.09. Kruk's Cyclically Adjusted PB Ratio for today is 3.44.

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

WAR:KRU' s Cyclically Adjusted PB Ratio Range Over the Past 10 Years
Min: 1.22   Med: 3.5   Max: 5.69
Current: 3.44

During the past years, Kruk's highest Cyclically Adjusted PB Ratio was 5.69. The lowest was 1.22. And the median was 3.50.

WAR:KRU's Cyclically Adjusted PB Ratio is ranked worse than
84.66% of 365 companies
in the Credit Services industry
Industry Median: 0.94 vs WAR:KRU: 3.44

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.

Kruk's adjusted book value per share data for the three months ended in Mar. 2024 was zł215.171. 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 zł128.09 for the trailing ten years ended in Mar. 2024.

Shiller PE for Stocks: The True Measure of Stock Valuation


Kruk Cyclically Adjusted PB Ratio Historical Data

The historical data trend for Kruk'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.

Kruk Cyclically Adjusted PB Ratio Chart

Kruk Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Cyclically Adjusted PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3.32 2.50 4.46 3.09 3.89

Kruk Quarterly Data
Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24
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 2.82 3.59 3.54 3.89 3.46

Competitive Comparison of Kruk's Cyclically Adjusted PB Ratio

For the Credit Services subindustry, Kruk'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.


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

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

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



Kruk 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.

Kruk's Cyclically Adjusted PB Ratio for today is calculated as

Cyclically Adjusted PB Ratio=Share Price/ Cyclically Adjusted Book per Share
=440.20/128.09
=3.44

* 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.

Kruk's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2024 is calculated as:

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

Adj_Book=Book Value per Share/CPI of Mar. 2024 (Change)*Current CPI (Mar. 2024)
=215.171/149.0435*149.0435
=215.171

Current CPI (Mar. 2024) = 149.0435.

Kruk Quarterly Data

Book Value per Share CPI Adj_Book
201406 31.082 101.180 45.785
201409 32.642 100.611 48.356
201412 34.190 100.122 50.896
201503 37.278 100.041 55.538
201506 39.305 100.448 58.320
201509 42.684 99.634 63.852
201512 45.076 99.471 67.540
201603 48.738 98.983 73.388
201606 50.096 99.552 75.001
201609 54.119 99.064 81.423
201612 66.020 100.366 98.039
201703 70.287 101.018 103.703
201706 73.655 101.180 108.497
201709 79.483 101.343 116.894
201712 77.649 102.564 112.838
201803 84.493 102.564 122.783
201806 87.215 103.378 125.741
201809 90.103 103.378 129.904
201812 91.723 103.785 131.721
201903 96.532 104.274 137.978
201906 96.682 105.983 135.964
201909 103.568 105.983 145.647
201912 103.228 107.123 143.625
202003 102.962 109.076 140.689
202006 0.000 109.402 0.000
202009 108.771 109.320 148.295
202012 107.505 109.565 146.242
202103 115.048 112.658 152.206
202106 116.071 113.960 151.804
202109 127.618 115.588 164.555
202112 136.792 119.088 171.200
202203 151.556 125.031 180.663
202206 151.617 131.705 171.576
202209 162.121 135.531 178.284
202212 168.438 139.113 180.462
202303 181.460 145.950 185.306
202306 178.545 147.009 181.017
202309 192.848 146.113 196.716
202312 196.254 147.741 197.984
202403 215.171 149.044 215.171

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.


Kruk  (WAR:KRU) 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.


Kruk Cyclically Adjusted PB Ratio Related Terms

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


Kruk (WAR:KRU) Business Description

Industry
Traded in Other Exchanges
Address
ul. Wolowska 8, Wroclaw, POL, 51-116
Kruk SA is the leader in the debt collection industry. It manages debts purchased on its own account and contracted by third parties. The group manages bank debt (the main client category), debts owed to loan brokers, insurance companies, leasing firms, fixed-line and mobile phone operators, cable TV companies, digital TV platforms and FMCG companies. It operates in three segments consumer debts, mortgage debts and corporate debts. Consumer debts include retail and unsecured. Mortgage debts include retail, and secured. Corporate debts include mortgage-backed and non-mortgage-backed. Aside from Poland, Kruk is present in Romania, the Czech Republic, Slovakia, Germany, Spain and Italy.

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