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During the past 12 months, Financiera IndependenciaB de CV Sofom E N R's average Book Value per Share Growth Rate was 4.50% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 4.80% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 7.80% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 5.10% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of Financiera IndependenciaB de CV Sofom E N R was 24.70% per year. The lowest was 1.00% per year. And the median was 5.90% per year.
Financiera IndependenciaB de CV Sofom E N R (MEX:FINDEP) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Financiera IndependenciaB de CV Sofom E N R 3-Year Book Growth Rate Related Terms
MEX:FINDEP vs V, MA, AXP: 3-Year Book Growth Rate Comparison
For the Credit Services subindustry, Financiera IndependenciaB de CV Sofom E N R's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate 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.
Financiera IndependenciaB de CV Sofom E N R 3-Year Book Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Financiera IndependenciaB de CV Sofom E N R's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Financiera IndependenciaB de CV Sofom E N R's 3-Year Book Growth Rate falls into.
Financiera IndependenciaB de CV Sofom E N R 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 4.80% mean?
Financiera IndependenciaB de CV Sofom E N R (MEX:FINDEP) has a 3-Year Book Growth Rate of 4.80% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Financiera IndependenciaB de CV Sofom E N R and its competitors. This is 19% below median its historical median of 5.90. Over the past decade, Financiera IndependenciaB de CV Sofom E N R's 3-Year Book Growth Rate has ranged from 1.00 to 24.70. According to the industry distribution chart, Financiera IndependenciaB de CV Sofom E N R ranks #271 out of 516 companies in the Credit Services industry, placing it in the top 52.5%.
Is Financiera IndependenciaB de CV Sofom E N R's 3-Year Book Growth Rate too high?
Financiera IndependenciaB de CV Sofom E N R's current 3-Year Book Growth Rate of 4.80% is 19% below median its 10-year median of 5.90. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 24.70. The Credit Services industry median 3-Year Book Growth Rate is 6.00. Financiera IndependenciaB de CV Sofom E N R's value of 4.80% is 20% below this industry median. Based on the distribution chart, Financiera IndependenciaB de CV Sofom E N R ranks #271 out of 516 companies in the Credit Services industry, which is below the industry midpoint. Overall, Financiera IndependenciaB de CV Sofom E N R has a GF Score™ of 55/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Financiera IndependenciaB de CV Sofom E N R's 3-Year Book Growth Rate compare to V and MA?
According to the Credit Services industry distribution chart, Financiera IndependenciaB de CV Sofom E N R ranks #271 out of 516 companies for 3-Year Book Growth Rate. This places Financiera IndependenciaB de CV Sofom E N R in the lower half of its industry. The industry median 3-Year Book Growth Rate is 6.00. Financiera IndependenciaB de CV Sofom E N R's value of 4.80% is 20% below this benchmark. Historically, Financiera IndependenciaB de CV Sofom E N R's own 3-Year Book Growth Rate has ranged from 1.00 to 24.70 over the past decade. While the company's 10-year median is 5.90 vs. the industry median of 6.00, Financiera IndependenciaB de CV Sofom E N R has consistently been below 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 3-Year Book Growth Rate for a Credit Services company?
The median 3-Year Book Growth Rate among Credit Services companies is 6.00, based on 516 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Financiera IndependenciaB de CV Sofom E N R's current 3-Year Book Growth Rate of 4.80% is 20% below 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 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Financiera IndependenciaB de CV Sofom E N R and its competitors. For the Credit Services industry, the median 3-Year Book Growth Rate is 6.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Financiera IndependenciaB de CV Sofom E N R's current 3-Year Book Growth Rate is 4.80%, which is 19% below median its own 10-year median of 5.90. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Financiera IndependenciaB de CV Sofom E N R stock overvalued right now?
Based on GuruFocus' analysis, Financiera IndependenciaB de CV Sofom E N R (MEX:FINDEP) is currently considered Modestly Undervalued. The stock's GF Value™ is MXN7.92, compared to a current price of MXN6.68 — trading 15.7% below its estimated fair value. The current 3-Year Book Growth Rate is 4.80%, which is 19% below median its 10-year median of 5.90 and 20% below the Credit Services industry median of 6.00. Financiera IndependenciaB de CV Sofom E N R's overall GF Score™ is 55/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Financiera IndependenciaB de CV Sofom E N R (MEX:FINDEP), the current 3-Year Book Growth Rate is 4.80% as of Jun. 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 Financiera IndependenciaB de CV Sofom E N R (MEX:FINDEP) Overvalued in 2026?
Based on GuruFocus' analysis, Financiera IndependenciaB de CV Sofom E N R stock appears to be undervalued.
The current stock price of MXN6.68 is trading 15.7% below its estimated GF Value™ of MXN7.92.
GuruFocus considers Financiera IndependenciaB de CV Sofom E N R to be Modestly Undervalued.
Key valuation signals for MEX:FINDEP:
3-Year Book Growth Rate: 4.80% (19% below median its 10-year median of 5.90)
GF Value™: MXN7.92 vs. price of MXN6.68 (15.7% below fair value)
Industry Position: 20% below the Credit Services median (#271 of 516)
No single metric tells the full story. See the MEX:FINDEP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Financiera Independencia SAB de CV Sofom E N R operates as a microfinance company. The company offers Credipopular for self-employed individuals, CrediMama for mothers with a child, CrediInmediato for employed individuals.
55GF Score
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3-Year Book Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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