Housing & Urban Development (BOM:540530) Cyclically Adjusted Book per Share: ₹79.51 (As of Mar. 2026)

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Director of Data and Quant Analytics at GuruFocus
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BOM:540530 Housing & Urban Development Corp Ltd BOM:540530
71 GF Score
Price ₹199.65
GF Value ₹254.52
Valuation Modestly Undervalued
! 5 Warning Signs
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What is Housing & Urban Development Cyclically Adjusted Book per Share?

Housing & Urban Development BOM:540530 -1.14% 71 Cyclically Adjusted Book per Share is ₹79.51 as of Mar. 2026. GuruFocus rates BOM:540530 with a GF Score™ of 71/100 and a GF Value™ of ₹254.52 (Modestly Undervalued). The stock has 5 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.

Housing & Urban Development's adjusted book value per share for the three months ended in Mar. 2026 was ₹109.773. 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 ₹79.51 for the trailing ten years ended in Mar. 2026.

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 (2026-07-22), Housing & Urban Development's current stock price is ₹199.65. Housing & Urban Development's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was ₹79.51. Housing & Urban Development's Cyclically Adjusted PB Ratio of today is 2.51.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Housing & Urban Development was 2.91. The lowest was 2.11. And the median was 2.59.


Housing & Urban Development  (BOM:540530) 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.

Housing & Urban Development's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=199.65/79.51
=2.51

* 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 Housing & Urban Development was 2.91. The lowest was 2.11. And the median was 2.59.


Be Aware

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


Housing & Urban Development Cyclically Adjusted Book per Share Related Terms


Housing & Urban Development Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Housing & Urban Development'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.

Housing & Urban Development Cyclically Adjusted Book per Share Chart

Housing & Urban Development 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 0.00 79.51

Housing & Urban Development 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 0.00 0.00 0.00 0.00 79.51

BOM:540530 vs V, MA, AXP: Cyclically Adjusted Book per Share Comparison

For the Credit Services subindustry, Housing & Urban Development'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.


Housing & Urban Development Cyclically Adjusted PB Ratio vs Credit Services Industry

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

* The bar in red indicates where Housing & Urban Development's Cyclically Adjusted PB Ratio falls into.


BOM:540530
71GF Score
Housing & Urban Development Corp Ltd BOM:540530
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Housing & Urban Development 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, Housing & Urban Development'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)
=109.773/164.2724*164.2724
=109.773

Current CPI (Mar. 2026) = 164.2724.

Housing & Urban Development Quarterly Data

Book Value per Share CPI Adj_Book
201203 29.925 76.889 63.935
201303 32.544 85.687 62.391
201403 35.626 91.425 64.013
201503 38.865 97.163 65.709
201603 42.188 102.518 67.601
201609 43.882 105.961 68.031
201703 45.325 105.196 70.779
201803 49.666 109.786 74.315
201806 0.000 111.317 0.000
201809 0.000 115.142 0.000
201812 0.000 115.142 0.000
201903 54.724 118.202 76.053
201906 0.000 120.880 0.000
201909 59.838 123.175 79.803
201912 0.000 126.235 0.000
202003 61.655 124.705 81.217
202006 0.000 127.000 0.000
202009 62.506 130.118 78.913
202012 0.000 130.889 0.000
202103 65.878 131.771 82.127
202106 0.000 134.084 0.000
202109 68.392 135.847 82.703
202112 0.000 138.161 0.000
202203 72.265 138.822 85.514
202206 0.000 142.347 0.000
202209 73.592 144.661 83.569
202212 0.000 145.763 0.000
202303 77.145 146.865 86.289
202306 0.000 150.280 0.000
202309 78.538 151.492 85.164
202312 0.000 152.924 0.000
202403 82.986 153.035 89.080
202406 0.000 155.789 0.000
202409 85.532 157.882 88.994
202412 0.000 158.323 0.000
202503 89.757 157.552 93.586
202506 0.000 159.755 0.000
202509 90.091 162.289 91.192
202512 0.000 163.281 0.000
202603 109.773 164.272 109.773

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 ₹79.51 mean?
Housing & Urban Development (BOM:540530) has a Cyclically Adjusted Book per Share of ₹79.51 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 Housing & Urban Development and its competitors.
Is Housing & Urban Development's Cyclically Adjusted Book per Share too high?
Housing & Urban Development's current Cyclically Adjusted Book per Share is ₹79.51. Overall, Housing & Urban Development has a GF Score™ of 71/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Housing & Urban Development's Cyclically Adjusted Book per Share compare to V and MA?
Housing & Urban Development's Cyclically Adjusted Book per Share of ₹79.51 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 Housing & Urban Development and its competitors. Housing & Urban Development's current Cyclically Adjusted Book per Share is ₹79.51. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Housing & Urban Development stock overvalued right now?
Based on GuruFocus' analysis, Housing & Urban Development (BOM:540530) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹254.52, compared to a current price of ₹199.65 — trading 21.6% below its estimated fair value. The current Cyclically Adjusted Book per Share is ₹79.51. Housing & Urban Development's overall GF Score™ is 71/100 with 5 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 Housing & Urban Development (BOM:540530), the current Cyclically Adjusted Book per Share is ₹79.51 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 Housing & Urban Development (BOM:540530) Overvalued in 2026?

Based on GuruFocus' analysis, Housing & Urban Development stock appears to be undervalued. The current stock price of ₹199.65 is trading 21.6% below its estimated GF Value™ of ₹254.52. GuruFocus considers Housing & Urban Development to be Modestly Undervalued.

Key valuation signals for BOM:540530:

  • Cyclically Adjusted Book per Share: ₹79.51
  • GF Value™: ₹254.52 vs. price of ₹199.65 (21.6% below fair value)
  • GF Score™: 71/100 with 5 warning signs

No single metric tells the full story. See the BOM:540530 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Housing & Urban Development Business Description

Other Exchanges HUDCO:India
Address Lodhi Road, Core-7-A, HUDCO Bhawan, India Habitat Centre, New Delhi, IND, 110003
Housing & Urban Development Corp Ltd is engaged in providing long-term finance for the construction of houses for residential purposes or finances or undertaking housing and urban infrastructure development programs. The company provides loans for projects like water supply, roads and transport, power, social infrastructure, sewerage, drainage, solid waste management, and others.
71GF Score

Get the complete analysis for BOM:540530

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

₹199.65
Price
₹254.52
GF Value