U Consumer Finance (CAI:VALU) Book Value per Share: E£1.07 (As of Dec. 2025)

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CAI:VALU U Consumer Finance CAI:VALU
28 GF Score
Price E£10.80
! 6 Warning Signs
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What is U Consumer Finance Book Value per Share?

U Consumer Finance CAI:VALU -2.09% 28 Book Value per Share is E£1.07 as of Dec. 2025. GuruFocus rates CAI:VALU with a GF Score™ of 28/100. The stock has 6 warning signs investors should review.

U Consumer Finance's book value per share for the quarter that ended in Dec. 2025 was E£1.07.

During the past 12 months, U Consumer Finance's average Book Value Per Share Growth Rate was 30.60% 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 book value growth rate using book value per share data.

U Consumer Finance's current price is E£10.80. Its book value per share for the quarter that ended in Dec. 2025 was E£1.07. Hence, today's PB Ratio of U Consumer Finance is 10.08.

During the past 3 years, the highest P/B Ratio of U Consumer Finance was 11.95. The lowest was 7.76. And the median was 9.81.

U Consumer Finance  (CAI:VALU) Book Value per Share Explanation

Usually a company's book value and Tangible Book per Share may not reflect its true value. The assets may be carried on the balance sheets at the original cost minus depreciation. This may underestimate the true economic values of the assets. It also may over-estimate their true economic value because the assets can become obsolete.

For financial companies such as banks and insurance companies, their assets may be reported in current market value of the assets owned. Book values of financial companies are more accurate indicator of the economic value of the company.

U Consumer Finance Book Value per Share Related Terms

U Consumer Finance Book Value per Share Historical Data

* Premium members only.

The historical data trend for U Consumer Finance's Book Value per Share 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.

U Consumer Finance Book Value per Share Chart

U Consumer Finance Annual Data
Trend Dec23 Dec24 Dec25
Book Value per Share
0.61 0.82 1.07

U Consumer Finance Quarterly Data
Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25
Book Value per Share Get a 7-Day Free Trial Premium Member Only 0.82 0.88 0.87 0.97 1.07

CAI:VALU vs V, MA, AXP: Book Value per Share Comparison

For the Credit Services subindustry, U Consumer Finance's PB Ratio, along with its competitors' market caps and 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.

U Consumer Finance PB Ratio vs Credit Services Industry

For the Credit Services industry and Financial Services sector, U Consumer Finance's PB Ratio distribution charts can be found below:

* The bar in red indicates where U Consumer Finance's PB Ratio falls into.


CAI:VALU
28GF Score
U Consumer Finance CAI:VALU
Book Value per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

U Consumer Finance Book Value per Share Calculation

U Consumer Finance's Book Value Per Share for the fiscal year that ended in Dec. 2025 is calculated as:

Book Value Per Share=(Total Stockholders Equity-Preferred Stock)/Shares Outstanding (EOP)
=(2,256-0)/2,106
=1.07

U Consumer Finance's Book Value Per Share for the quarter that ended in Dec. 2025 is calculated as:

Book Value Per Share=(Total Stockholders Equity-Preferred Stock)/Shares Outstanding (EOP)
=(2,256-0)/2,106
=1.07

* 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.

Theoretically it is what the shareholders will receive if the company is liquidated. Total Stockholders Equity is a balance sheet item and equal to Total Assets less Total Liabilities of the company.

Book value may include intangible items which may come from the company's past acquisitions. Book value less intangibles is called Tangible Book.

Frequently Asked Questions Learn more about Book Value per Share →
What does a Book Value per Share of E£1.07 mean?
U Consumer Finance (CAI:VALU) has a Book Value per Share of E£1.07 as of Dec. 2025. Book value per share gives the per-share value of a company's stockholder equity. View historical data on U Consumer Finance and its competitors.
Is U Consumer Finance's Book Value per Share too high?
U Consumer Finance's current Book Value per Share is E£1.07. Overall, U Consumer Finance has a GF Score™ of 28/100, reflecting its overall financial health beyond just this single metric.
How does U Consumer Finance's Book Value per Share compare to V and MA?
U Consumer Finance's Book Value per Share of E£1.07 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Book Value per Share for a Credit Services company?
A good Book Value per Share depends on the Credit Services industry context. However, Book Value per Share 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 Book Value per Share mean?
A high Book Value per Share can signal that a stock is expensive relative to its fundamentals. Book value per share gives the per-share value of a company's stockholder equity. View historical data on U Consumer Finance and its competitors. U Consumer Finance's current Book Value per Share is E£1.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is U Consumer Finance stock overvalued right now?
U Consumer Finance (CAI:VALU) has a current Book Value per Share of E£1.07. The current Book Value per Share is E£1.07. U Consumer Finance's overall GF Score™ is 28/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Book Value per Share calculated?
Book Value per Share is calculated from a company's financial statements. For U Consumer Finance (CAI:VALU), the current Book Value per Share is E£1.07 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.

U Consumer Finance Business Description

Address Arkan Plaza, First floor Unit AW-417, Al Sheikh Zayed city, EGY
U Consumer Finance known by Its Brand Name Valu, is the universal financial technology powerhouse, offering a suite of financial services to individuals and businesses.
28GF Score

Get the complete analysis for CAI:VALU

Book Value per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

E£10.80
Price