Unifinz Capital India (BOM:541358) Cyclically Adjusted Book per Share: ₹7.63 (As of Mar. 2026)

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Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

BOM:541358 Unifinz Capital India Ltd BOM:541358
60 GF Score
Price ₹104.00
! 2 Warning Signs
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What is Unifinz Capital India Cyclically Adjusted Book per Share?

Unifinz Capital India BOM:541358 -2.89% 60 Cyclically Adjusted Book per Share is ₹7.63 as of Mar. 2026. GuruFocus rates BOM:541358 with a GF Score™ of 60/100. The stock has 2 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.

Unifinz Capital India's adjusted book value per share for the three months ended in Mar. 2026 was ₹37.081. 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 ₹7.63 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 (2026-07-30), Unifinz Capital India's current stock price is ₹104.00. Unifinz Capital India's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was ₹7.63. Unifinz Capital India's Cyclically Adjusted PB Ratio of today is 13.63.

During the past 11 years, the highest Cyclically Adjusted PB Ratio of Unifinz Capital India was 16.64. The lowest was 7.99. And the median was 13.24.


Unifinz Capital India  (BOM:541358) 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.

Unifinz Capital India's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=104.00/7.63
=13.63

* 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 11 years, the highest Cyclically Adjusted PB Ratio of Unifinz Capital India was 16.64. The lowest was 7.99. And the median was 13.24.


Be Aware

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


Unifinz Capital India Cyclically Adjusted Book per Share Related Terms


Unifinz Capital India Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Unifinz Capital India'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.

Unifinz Capital India Cyclically Adjusted Book per Share Chart

Unifinz Capital India 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 7.63

Unifinz Capital India 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 7.63

BOM:541358 vs V, MA, AXP: Cyclically Adjusted Book per Share Comparison

For the Credit Services subindustry, Unifinz Capital India'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.


Unifinz Capital India Cyclically Adjusted PB Ratio vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Unifinz Capital India's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Unifinz Capital India's Cyclically Adjusted PB Ratio falls into.


BOM:541358
60GF Score
Unifinz Capital India Ltd BOM:541358
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
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Unifinz Capital India 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, Unifinz Capital India'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)
=37.081/164.2724*164.2724
=37.081

Current CPI (Mar. 2026) = 164.2724.

Unifinz Capital India Quarterly Data

Book Value per Share CPI Adj_Book
201606 0.000 105.961 0.000
201609 0.000 105.961 0.000
201612 0.000 105.196 0.000
201703 0.868 105.196 1.355
201706 0.000 107.109 0.000
201709 2.624 109.021 3.954
201712 2.646 109.404 3.973
201803 2.442 109.786 3.654
201806 0.000 111.317 0.000
201809 2.194 115.142 3.130
201812 0.000 115.142 0.000
201903 2.414 118.202 3.355
201906 0.000 120.880 0.000
201909 2.636 123.175 3.516
201912 0.000 126.235 0.000
202003 2.636 124.705 3.472
202006 0.000 127.000 0.000
202009 3.252 130.118 4.106
202012 0.000 130.889 0.000
202103 3.651 131.771 4.552
202106 0.000 134.084 0.000
202109 3.668 135.847 4.436
202112 0.000 138.161 0.000
202203 3.346 138.822 3.959
202206 0.000 142.347 0.000
202209 3.560 144.661 4.043
202212 0.000 145.763 0.000
202303 3.056 146.865 3.418
202306 0.000 150.280 0.000
202309 3.169 151.492 3.436
202312 0.000 152.924 0.000
202403 2.356 153.035 2.529
202406 0.000 155.789 0.000
202409 12.707 157.882 13.221
202412 0.000 158.323 0.000
202503 17.517 157.552 18.264
202506 0.000 159.755 0.000
202509 26.741 162.289 27.068
202512 0.000 163.281 0.000
202603 37.081 164.272 37.081

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 ₹7.63 mean?
Unifinz Capital India (BOM:541358) has a Cyclically Adjusted Book per Share of ₹7.63 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 Unifinz Capital India and its competitors.
Is Unifinz Capital India's Cyclically Adjusted Book per Share too high?
Unifinz Capital India's current Cyclically Adjusted Book per Share is ₹7.63. Overall, Unifinz Capital India has a GF Score™ of 60/100, reflecting its overall financial health beyond just this single metric.
How does Unifinz Capital India's Cyclically Adjusted Book per Share compare to V and MA?
Unifinz Capital India's Cyclically Adjusted Book per Share of ₹7.63 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 Unifinz Capital India and its competitors. Unifinz Capital India's current Cyclically Adjusted Book per Share is ₹7.63. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Unifinz Capital India stock overvalued right now?
Unifinz Capital India (BOM:541358) has a current Cyclically Adjusted Book per Share of ₹7.63. The current Cyclically Adjusted Book per Share is ₹7.63. Unifinz Capital India's overall GF Score™ is 60/100 with 2 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 Unifinz Capital India (BOM:541358), the current Cyclically Adjusted Book per Share is ₹7.63 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.

Unifinz Capital India Business Description

Address 24, Nehru Place, 5th Floor, Rajlok Building, New Delhi, IND, 110019
Unifinz Capital India Ltd is a Non-Banking Financial Institution. It offers unsecured personal loans under the brand name lendingplate to individuals spread across various cities in India. The company addresses the financial requirements of under-banked and unbanked populations who remain unserved or underserved by traditional banking systems. Its focus is on financing these segments: vehicles, MSMEs, and mortgage loans.
60GF Score

Get the complete analysis for BOM:541358

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

₹104.00
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