Gilada Finance & Investments (BOM:538788) Cyclically Adjusted Book per Share: ₹16.82 (As of Mar. 2026)

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Director of Data and Quant Analytics at GuruFocus
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BOM:538788 Gilada Finance & Investments Ltd BOM:538788
75 GF Score
Price ₹13.43
GF Value ₹14.88
Valuation Modestly Undervalued
! 6 Warning Signs
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What is Gilada Finance & Investments Cyclically Adjusted Book per Share?

Gilada Finance & Investments BOM:538788 -3.31% 75 Cyclically Adjusted Book per Share is ₹16.82 as of Mar. 2026. GuruFocus rates BOM:538788 with a GF Score™ of 75/100 and a GF Value™ of ₹14.88 (Modestly Undervalued). The stock has 6 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and 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.

Gilada Finance & Investments's adjusted book value per share for the three months ended in Mar. 2026 was ₹18.628. 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 ₹16.82 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Gilada Finance & Investments's average Cyclically Adjusted Book Growth Rate was 5.80% 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 Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

As of today (2026-08-03), Gilada Finance & Investments's current stock price is ₹13.43. Gilada Finance & Investments's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was ₹16.82. Gilada Finance & Investments's Cyclically Adjusted PB Ratio of today is 0.80.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Gilada Finance & Investments was 1.32. The lowest was 0.70. And the median was 0.79.


Gilada Finance & Investments  (BOM:538788) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

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.

Gilada Finance & Investments's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=13.43/16.82
=0.80

* 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.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Gilada Finance & Investments was 1.32. The lowest was 0.70. And the median was 0.79.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Gilada Finance & Investments Cyclically Adjusted Book per Share Related Terms


Gilada Finance & Investments Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Gilada Finance & Investments's Cyclically Adjusted Book 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.

Gilada Finance & Investments Cyclically Adjusted Book per Share Chart

Gilada Finance & Investments Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 15.90 16.82

Gilada Finance & Investments Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Book per Share 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 15.90 0.00 16.45 0.00 16.82

BOM:538788 vs V, MA, AXP: Cyclically Adjusted Book per Share Comparison

For the Credit Services subindustry, Gilada Finance & Investments'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.


Gilada Finance & Investments Cyclically Adjusted PB Ratio vs Credit Services Industry

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

* The bar in red indicates where Gilada Finance & Investments's Cyclically Adjusted PB Ratio falls into.


BOM:538788
75GF Score
Gilada Finance & Investments Ltd BOM:538788
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Gilada Finance & Investments Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and 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.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get 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.

For example, Gilada Finance & Investments's adjusted Book Value per Share data for the three months ended in Mar. 2026 was:

Adj_Book= Book Value per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=18.628/164.2724*164.2724
=18.628

Current CPI (Mar. 2026) = 164.2724.

Gilada Finance & Investments Quarterly Data

Book Value per Share CPI Adj_Book
201606 0.000 105.961 0.000
201609 10.100 105.961 15.658
201612 0.000 105.196 0.000
201703 10.356 105.196 16.172
201706 0.000 107.109 0.000
201709 11.271 109.021 16.983
201712 0.000 109.404 0.000
201803 11.514 109.786 17.228
201806 0.000 111.317 0.000
201809 12.047 115.142 17.187
201812 0.000 115.142 0.000
201903 11.971 118.202 16.637
201906 0.000 120.880 0.000
201909 11.795 123.175 15.730
201912 0.000 126.235 0.000
202003 12.636 124.705 16.645
202006 0.000 127.000 0.000
202009 0.000 130.118 0.000
202012 0.000 130.889 0.000
202103 13.335 131.771 16.624
202106 0.000 134.084 0.000
202109 13.707 135.847 16.575
202112 0.000 138.161 0.000
202203 14.245 138.822 16.857
202206 0.000 142.347 0.000
202209 14.708 144.661 16.702
202212 0.000 145.763 0.000
202303 14.444 146.865 16.156
202306 0.000 150.280 0.000
202309 14.499 151.492 15.722
202312 0.000 152.924 0.000
202403 15.657 153.035 16.807
202406 0.000 155.789 0.000
202409 16.635 157.882 17.308
202412 0.000 158.323 0.000
202503 17.080 157.552 17.809
202506 0.000 159.755 0.000
202509 17.875 162.289 18.093
202512 0.000 163.281 0.000
202603 18.628 164.272 18.628

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

What does a Cyclically Adjusted Book per Share of ₹16.82 mean?
Gilada Finance & Investments (BOM:538788) has a Cyclically Adjusted Book per Share of ₹16.82 as of Mar. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Gilada Finance & Investments and its competitors.
Is Gilada Finance & Investments' Cyclically Adjusted Book per Share too high?
Gilada Finance & Investments' current Cyclically Adjusted Book per Share is ₹16.82. Overall, Gilada Finance & Investments has a GF Score™ of 75/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Gilada Finance & Investments' Cyclically Adjusted Book per Share compare to V and MA?
Gilada Finance & Investments' Cyclically Adjusted Book per Share of ₹16.82 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 Cyclically Adjusted Book per Share for a Credit Services company?
A good Cyclically Adjusted Book per Share depends on the Credit Services industry context. However, Cyclically Adjusted Book 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 Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Gilada Finance & Investments and its competitors. Gilada Finance & Investments's current Cyclically Adjusted Book per Share is ₹16.82. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Gilada Finance & Investments stock overvalued right now?
Based on GuruFocus' analysis, Gilada Finance & Investments (BOM:538788) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹14.88, compared to a current price of ₹13.43 — trading 9.7% below its estimated fair value. The current Cyclically Adjusted Book per Share is ₹16.82. Gilada Finance & Investments' overall GF Score™ is 75/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Gilada Finance & Investments (BOM:538788), the current Cyclically Adjusted Book per Share is ₹16.82 as of Mar. 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 Gilada Finance & Investments (BOM:538788) Overvalued in 2026?

Based on GuruFocus' analysis, Gilada Finance & Investments stock appears to be undervalued. The current stock price of ₹13.43 is trading 9.7% below its estimated GF Value™ of ₹14.88. GuruFocus considers Gilada Finance & Investments to be Modestly Undervalued.

Key valuation signals for BOM:538788:

  • Cyclically Adjusted Book per Share: ₹16.82
  • GF Value™: ₹14.88 vs. price of ₹13.43 (9.7% below fair value)
  • GF Score™: 75/100 with 6 warning signs

No single metric tells the full story. See the BOM:538788 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Gilada Finance & Investments Business Description

Address 37, Bhoopsandra Main Road, No. 105, R.R. Takt, Sanjaynagar, Bengaluru, IND, 560094
Gilada Finance & Investments Ltd is an India based company. The business operates in one segment which is Vehicle small business loans and mortgage loans. The service line of the company consists of hire purchase, leasing, mortgage loans, short-term finance, and loan syndication. The company receives maximum revenue from finance charges on hypothecated loans. Geographically, the company offers its services only in India.
75GF Score

Get the complete analysis for BOM:538788

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

₹13.43
Price
₹14.88
GF Value