Banco Hipotecario (BUE:BHIP) Cyclically Adjusted Book per Share: ARS100.95 (As of Mar. 2026)


BUE:BHIP Banco Hipotecario SA BUE:BHIP
54 GF Score
Price ARS364.00
GF Value ARS287.35
Valuation Modestly Overvalued
! 3 Warning Signs
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What is Banco Hipotecario Cyclically Adjusted Book per Share?

Banco Hipotecario BUE:BHIP +1.82% 54 Cyclically Adjusted Book per Share is ARS100.95 as of Mar. 2026. GuruFocus rates BUE:BHIP with a GF Score™ of 54/100 and a GF Value™ of ARS287.35 (Modestly Overvalued). The stock has 3 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.

Banco Hipotecario's adjusted book value per share for the three months ended in Mar. 2026 was ARS413.465. 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 ARS100.95 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Banco Hipotecario's average Cyclically Adjusted Book Growth Rate was 62.80% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 97.00% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 81.00% 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.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of Banco Hipotecario was 97.00% per year. The lowest was 18.40% per year. And the median was 39.20% per year.

As of today (2026-07-04), Banco Hipotecario's current stock price is ARS364.00. Banco Hipotecario's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was ARS100.95. Banco Hipotecario's Cyclically Adjusted PB Ratio of today is 3.61.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Banco Hipotecario was 15.39. The lowest was 0.94. And the median was 2.81.


Banco Hipotecario  (BUE:BHIP) 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.

Banco Hipotecario's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=364.00/100.95
=3.61

* 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 Banco Hipotecario was 15.39. The lowest was 0.94. And the median was 2.81.


Be Aware

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


Banco Hipotecario Cyclically Adjusted Book per Share Related Terms


Banco Hipotecario Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Banco Hipotecario'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.

Banco Hipotecario Cyclically Adjusted Book per Share Chart

Banco Hipotecario Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 7.23 11.64 23.98 52.88 89.05

Banco Hipotecario 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 61.99 70.81 79.76 89.05 100.95

BUE:BHIP vs PNC, USB: Cyclically Adjusted Book per Share Comparison

For the Banks - Regional subindustry, Banco Hipotecario'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.


Banco Hipotecario Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Banco Hipotecario's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Banco Hipotecario's Cyclically Adjusted PB Ratio falls into.


BUE:BHIP
54GF Score
Banco Hipotecario SA BUE:BHIP
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Banco Hipotecario 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, Banco Hipotecario'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)
=413.465/330.2130*330.2130
=413.465

Current CPI (Mar. 2026) = 330.2130.

Banco Hipotecario Quarterly Data

Book Value per Share CPI Adj_Book
201606 3.877 241.018 5.312
201609 4.045 241.428 5.533
201612 4.373 241.432 5.981
201703 4.206 243.801 5.697
201706 4.454 244.955 6.004
201709 4.778 246.819 6.392
201712 5.431 246.524 7.275
201803 5.762 249.554 7.624
201806 5.953 251.989 7.801
201809 6.319 252.439 8.266
201812 13.971 251.233 18.363
201903 6.758 254.202 8.779
201906 7.008 256.143 9.035
201909 7.718 256.759 9.926
201912 11.284 256.974 14.500
202003 8.596 258.115 10.997
202006 9.463 257.797 12.121
202009 10.093 260.280 12.805
202012 17.613 260.474 22.329
202103 12.097 264.877 15.081
202106 12.680 271.696 15.411
202109 13.111 274.310 15.783
202112 28.852 278.802 34.172
202203 17.971 287.504 20.641
202206 21.991 296.311 24.507
202209 27.242 296.808 30.308
202212 102.418 296.797 113.949
202303 42.473 301.836 46.466
202306 55.251 305.109 59.797
202309 75.781 307.789 81.302
202312 305.148 306.746 328.493
202403 222.140 312.332 234.858
202406 239.405 314.175 251.626
202409 277.793 315.301 290.931
202412 421.523 315.605 441.033
202503 340.683 319.799 351.777
202506 335.463 322.561 343.421
202509 343.286 324.800 349.007
202512 383.938 324.054 391.235
202603 413.465 330.213 413.465

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 ARS100.95 mean?
Banco Hipotecario (BUE:BHIP) has a Cyclically Adjusted Book per Share of ARS100.95 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 Banco Hipotecario and its competitors.
Is Banco Hipotecario's Cyclically Adjusted Book per Share too high?
Banco Hipotecario's current Cyclically Adjusted Book per Share is ARS100.95. Overall, Banco Hipotecario has a GF Score™ of 54/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco Hipotecario's Cyclically Adjusted Book per Share compare to PNC and USB?
Banco Hipotecario's Cyclically Adjusted Book per Share of ARS100.95 can be compared against companies in the Banks 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 Banks company?
A good Cyclically Adjusted Book per Share depends on the Banks 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 Banco Hipotecario and its competitors. Banco Hipotecario's current Cyclically Adjusted Book per Share is ARS100.95. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco Hipotecario stock overvalued right now?
Based on GuruFocus' analysis, Banco Hipotecario (BUE:BHIP) is currently considered Modestly Overvalued. The stock's GF Value™ is ARS287.35, compared to a current price of ARS364.00 — trading 26.7% above its estimated fair value. The current Cyclically Adjusted Book per Share is ARS100.95. Banco Hipotecario's overall GF Score™ is 54/100 with 3 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 Banco Hipotecario (BUE:BHIP), the current Cyclically Adjusted Book per Share is ARS100.95 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 Banco Hipotecario (BUE:BHIP) Overvalued in 2026?

Based on GuruFocus' analysis, Banco Hipotecario stock appears to be overvalued. The current stock price of ARS364.00 is trading 26.7% above its estimated GF Value™ of ARS287.35. GuruFocus considers Banco Hipotecario to be Modestly Overvalued.

Key valuation signals for BUE:BHIP:

  • Cyclically Adjusted Book per Share: ARS100.95
  • GF Value™: ARS287.35 vs. price of ARS364.00 (26.7% above fair value)
  • GF Score™: 54/100 with 3 warning signs

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


Banco Hipotecario Business Description

Address Reconquista 151, Buenos Aires, ARG
Banco Hipotecario SA acts as a banking corporation based in Argentina. The company's operating segment includes Finance, Wholesale Banking, Retail Banking, and Others. Retail Banking segment includes loans granted and other credit products, such as deposit taking from individuals. The Wholesale Banking segment encompasses corporate and financial advice, as well as asset management and loans to large customers. It generates maximum revenue from the Retail banking segment. Some of its product include mortgage credits, personal loans, insurance, cash management, and others. Geographically, it operates only in Argentina.
54GF Score

Get the complete analysis for BUE:BHIP

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

ARS364.00
Price
ARS287.35
GF Value