Creditwest Faktoring AS (IST:CRDFA) Cyclically Adjusted Book per Share: ₺0.97 (As of Dec. 2025)

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IST:CRDFA Creditwest Faktoring AS IST:CRDFA
44 GF Score
Price ₺39.44
GF Value ₺8.76
Valuation Significantly Overvalued
! 7 Warning Signs
View Full Analysis

What is Creditwest Faktoring AS Cyclically Adjusted Book per Share?

Creditwest Faktoring AS IST:CRDFA -2.52% 44 Cyclically Adjusted Book per Share is ₺0.97 as of Dec. 2025. GuruFocus rates IST:CRDFA with a GF Score™ of 44/100 and a GF Value™ of ₺8.76 (Significantly Overvalued). The stock has 7 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.

Creditwest Faktoring AS's adjusted book value per share for the three months ended in Dec. 2025 was ₺4.868. 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 ₺0.97 for the trailing ten years ended in Dec. 2025.

During the past 12 months, Creditwest Faktoring AS's average Cyclically Adjusted Book Growth Rate was 19.80% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 16.10% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 14.00% 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 Creditwest Faktoring AS was 16.10% per year. The lowest was 12.40% per year. And the median was 12.60% per year.

As of today (2026-07-21), Creditwest Faktoring AS's current stock price is ₺39.44. Creditwest Faktoring AS's Cyclically Adjusted Book per Share for the quarter that ended in Dec. 2025 was ₺0.97. Creditwest Faktoring AS's Cyclically Adjusted PB Ratio of today is 40.66.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Creditwest Faktoring AS was 42.78. The lowest was 0.89. And the median was 2.72.


Creditwest Faktoring AS  (IST:CRDFA) 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.

Creditwest Faktoring AS's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=39.44/0.97
=40.66

* 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 Creditwest Faktoring AS was 42.78. The lowest was 0.89. And the median was 2.72.


Be Aware

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


Creditwest Faktoring AS Cyclically Adjusted Book per Share Related Terms


Creditwest Faktoring AS Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Creditwest Faktoring AS'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.

Creditwest Faktoring AS Cyclically Adjusted Book per Share Chart

Creditwest Faktoring AS 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 0.57 0.62 0.70 0.81 0.97

Creditwest Faktoring AS Quarterly Data
Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Dec25
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 0.76 0.78 0.81 0.85 0.97

IST:CRDFA vs V, MA, AXP: Cyclically Adjusted Book per Share Comparison

For the Credit Services subindustry, Creditwest Faktoring AS'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.


Creditwest Faktoring AS Cyclically Adjusted PB Ratio vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Creditwest Faktoring AS's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Creditwest Faktoring AS's Cyclically Adjusted PB Ratio falls into.


IST:CRDFA
44GF Score
Creditwest Faktoring AS IST:CRDFA
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Creditwest Faktoring AS 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, Creditwest Faktoring AS's adjusted Book Value per Share data for the three months ended in Dec. 2025 was:

Adj_Book= Book Value per Share /CPI of Dec. 2025 (Change)*Current CPI (Dec. 2025)
=4.868/324.0540*324.0540
=4.868

Current CPI (Dec. 2025) = 324.0540.

Creditwest Faktoring AS Quarterly Data

Book Value per Share CPI Adj_Book
201509 0.468 237.945 0.637
201512 0.493 236.525 0.675
201603 0.514 238.132 0.699
201606 0.455 241.018 0.612
201609 0.476 241.428 0.639
201612 0.500 241.432 0.671
201703 0.523 243.801 0.695
201706 0.541 244.955 0.716
201709 0.487 246.819 0.639
201712 0.502 246.524 0.660
201803 0.522 249.554 0.678
201806 0.474 251.989 0.610
201809 0.495 252.439 0.635
201812 0.437 251.233 0.564
201903 0.463 254.202 0.590
201906 0.479 256.143 0.606
201909 0.498 256.759 0.629
201912 0.514 256.974 0.648
202003 0.523 258.115 0.657
202006 0.534 257.797 0.671
202009 0.540 260.280 0.672
202012 0.565 260.474 0.703
202103 0.576 264.877 0.705
202106 0.578 271.696 0.689
202109 0.592 274.310 0.699
202112 0.757 278.802 0.880
202203 0.779 287.504 0.878
202206 0.846 296.311 0.925
202209 0.659 296.808 0.719
202212 0.868 296.797 0.948
202303 0.909 301.836 0.976
202306 1.073 305.109 1.140
202309 1.177 307.789 1.239
202312 1.254 306.746 1.325
202403 1.386 312.332 1.438
202406 1.501 314.175 1.548
202409 1.640 315.301 1.686
202412 1.694 315.605 1.739
202503 1.985 319.799 2.011
202512 4.868 324.054 4.868

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 ₺0.97 mean?
Creditwest Faktoring AS (IST:CRDFA) has a Cyclically Adjusted Book per Share of ₺0.97 as of Dec. 2025. 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 Creditwest Faktoring AS and its competitors.
Is Creditwest Faktoring AS's Cyclically Adjusted Book per Share too high?
Creditwest Faktoring AS's current Cyclically Adjusted Book per Share is ₺0.97. Overall, Creditwest Faktoring AS has a GF Score™ of 44/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Creditwest Faktoring AS's Cyclically Adjusted Book per Share compare to V and MA?
Creditwest Faktoring AS's Cyclically Adjusted Book per Share of ₺0.97 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 Creditwest Faktoring AS and its competitors. Creditwest Faktoring AS's current Cyclically Adjusted Book per Share is ₺0.97. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Creditwest Faktoring AS stock overvalued right now?
Based on GuruFocus' analysis, Creditwest Faktoring AS (IST:CRDFA) is currently considered Significantly Overvalued. The stock's GF Value™ is ₺8.76, compared to a current price of ₺39.44 — trading 350.2% above its estimated fair value. The current Cyclically Adjusted Book per Share is ₺0.97. Creditwest Faktoring AS's overall GF Score™ is 44/100 with 7 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 Creditwest Faktoring AS (IST:CRDFA), the current Cyclically Adjusted Book per Share is ₺0.97 as of Dec. 2025. 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 Creditwest Faktoring AS (IST:CRDFA) Overvalued in 2026?

Based on GuruFocus' analysis, Creditwest Faktoring AS stock appears to be overvalued. The current stock price of ₺39.44 is trading 350.2% above its estimated GF Value™ of ₺8.76. GuruFocus considers Creditwest Faktoring AS to be Significantly Overvalued.

Key valuation signals for IST:CRDFA:

  • Cyclically Adjusted Book per Share: ₺0.97
  • GF Value™: ₺8.76 vs. price of ₺39.44 (350.2% above fair value)
  • GF Score™: 44/100 with 7 warning signs

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


Creditwest Faktoring AS Business Description

Address Buyukdere cad No 108, Enka Binasi Esentepe, Istanbul, TUR, 34394
Creditwest Faktoring AS is a Turkish company which engages in the factoring activities regarding domestic and international transactions. It offers various types of factoring services, such as domestic, import and export, which are used in a range of sectors. The company also provides credit management, revenue management, and cash management.
44GF Score

Get the complete analysis for IST:CRDFA

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

₺39.44
Price
₺8.76
GF Value