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Satin Creditcare Network (BOM:539404) Cyclically Adjusted Book per Share : ₹229.93 (As of Mar. 2025)


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What is Satin Creditcare Network Cyclically Adjusted Book per Share?

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.

Satin Creditcare Network's adjusted book value per share for the three months ended in Mar. 2025 was ₹231.195. 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 ₹229.93 for the trailing ten years ended in Mar. 2025.

During the past 12 months, Satin Creditcare Network's average Cyclically Adjusted Book Growth Rate was 5.60% 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 Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

As of today (2025-05-20), Satin Creditcare Network's current stock price is ₹172.95. Satin Creditcare Network's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2025 was ₹229.93. Satin Creditcare Network's Cyclically Adjusted PB Ratio of today is 0.75.

During the past 12 years, the highest Cyclically Adjusted PB Ratio of Satin Creditcare Network was 1.17. The lowest was 0.63. And the median was 0.75.


Satin Creditcare Network Cyclically Adjusted Book per Share Historical Data

The historical data trend for Satin Creditcare Network'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.

* Premium members only.

Satin Creditcare Network Cyclically Adjusted Book per Share Chart

Satin Creditcare Network Annual Data
Trend Mar16 Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only - - - 216.59 229.93

Satin Creditcare Network Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
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 216.59 - 224.90 - 229.93

Competitive Comparison of Satin Creditcare Network's Cyclically Adjusted Book per Share

For the Credit Services subindustry, Satin Creditcare Network'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.


Satin Creditcare Network's Cyclically Adjusted PB Ratio Distribution in the Credit Services Industry

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

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


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Satin Creditcare Network 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, Satin Creditcare Network's adjusted Book Value per Share data for the three months ended in Mar. 2025 was:

Adj_Book= Book Value per Share /CPI of Mar. 2025 (Change)*Current CPI (Mar. 2025)
=231.195/157.5517*157.5517
=231.195

Current CPI (Mar. 2025) = 157.5517.

Satin Creditcare Network Quarterly Data

Book Value per Share CPI Adj_Book
201506 0.000 99.841 0.000
201509 80.367 101.753 124.438
201512 0.000 102.901 0.000
201603 94.983 102.518 145.971
201606 0.000 105.961 0.000
201609 128.801 105.961 191.512
201612 0.000 105.196 0.000
201703 112.410 105.196 168.356
201706 0.000 107.109 0.000
201709 169.586 109.021 245.076
201712 0.000 109.404 0.000
201803 173.831 109.786 249.460
201806 0.000 111.317 0.000
201809 192.575 115.142 263.505
201812 0.000 115.142 0.000
201903 220.154 118.202 293.443
201906 0.000 120.880 0.000
201909 244.063 123.175 312.178
201912 0.000 126.235 0.000
202003 260.757 124.705 329.439
202006 0.000 127.000 0.000
202009 208.055 130.118 251.921
202012 0.000 130.889 0.000
202103 206.354 131.771 246.728
202106 0.000 134.084 0.000
202109 197.403 135.847 228.943
202112 0.000 138.161 0.000
202203 212.227 138.822 240.861
202206 0.000 142.347 0.000
202209 185.032 144.661 201.520
202212 0.000 145.763 0.000
202303 192.129 146.865 206.110
202306 0.000 150.280 0.000
202309 191.646 151.492 199.312
202312 0.000 152.924 0.000
202403 218.283 153.035 224.726
202406 0.000 155.789 0.000
202409 231.023 157.882 230.539
202412 0.000 158.323 0.000
202503 231.195 157.552 231.195

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


Satin Creditcare Network  (BOM:539404) 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.

Satin Creditcare Network's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=172.95/229.93
=0.75

* 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 12 years, the highest Cyclically Adjusted PB Ratio of Satin Creditcare Network was 1.17. The lowest was 0.63. And the median was 0.75.


Be Aware

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


Satin Creditcare Network Cyclically Adjusted Book per Share Related Terms

Thank you for viewing the detailed overview of Satin Creditcare Network's Cyclically Adjusted Book per Share provided by GuruFocus.com. Please click on the following links to see related term pages.


Satin Creditcare Network Business Description

Traded in Other Exchanges
Address
Plot No. 492, Udyog Vihar, Phase – III, Gurugram, HR, IND, 122016
Satin Creditcare Network Ltd is a micro-finance company based in India. Its core services are non-banking financial services. The company also offers loans to individual businesses; loans to micro, small and medium enterprises, product loans for financing the purchase of solar lamps, bicycles, and consumer durables, and loans for the development of water connections and sanitation facilities. Geographically, it operates only in India. The Company operates in a single reportable segment i.e. financing which has similar risks and returns. The Company derives its maximum revenues from financing activities and its customers are widespread.

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