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Alior Bank (LTS:0QBM) Cyclically Adjusted Book per Share : zł46.83 (As of Mar. 2025)


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What is Alior Bank 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.

Alior Bank's adjusted book value per share for the three months ended in Mar. 2025 was zł90.716. 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 zł46.83 for the trailing ten years ended in Mar. 2025.

During the past 12 months, Alior Bank's average Cyclically Adjusted Book Growth Rate was 10.10% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 12.00% 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 Alior Bank was 12.00% per year. The lowest was 12.00% per year. And the median was 12.00% per year.

As of today (2025-05-25), Alior Bank's current stock price is zł79.50. Alior Bank's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2025 was zł46.83. Alior Bank's Cyclically Adjusted PB Ratio of today is 1.70.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Alior Bank was 1.76. The lowest was 0.42. And the median was 1.13.


Alior Bank Cyclically Adjusted Book per Share Historical Data

The historical data trend for Alior Bank'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.

Alior Bank Cyclically Adjusted Book per Share Chart

Alior Bank Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only - 71.13 132.95 65.81 63.51

Alior Bank 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 51.98 50.91 57.78 63.51 46.83

Competitive Comparison of Alior Bank's Cyclically Adjusted Book per Share

For the Banks - Diversified subindustry, Alior Bank'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.


Alior Bank's Cyclically Adjusted PB Ratio Distribution in the Banks Industry

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

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


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Alior Bank 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, Alior Bank'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)
=90.716/157.0208*157.0208
=90.716

Current CPI (Mar. 2025) = 157.0208.

Alior Bank Quarterly Data

Book Value per Share CPI Adj_Book
201506 37.611 100.448 58.794
201509 38.920 99.634 61.337
201512 39.413 99.471 62.216
201603 40.396 98.983 64.082
201606 44.874 99.552 70.778
201609 45.464 99.064 72.063
201612 47.648 100.366 74.544
201703 48.830 101.018 75.901
201706 49.422 101.180 76.698
201709 51.109 101.343 79.188
201712 51.752 102.564 79.230
201803 47.644 102.564 72.941
201806 48.571 103.378 73.774
201809 49.757 103.378 75.576
201812 49.680 103.785 75.163
201903 50.100 104.274 75.443
201906 50.967 105.983 75.511
201909 51.927 105.983 76.933
201912 51.606 107.123 75.644
202003 52.257 109.076 75.227
202006 48.772 109.402 70.001
202009 49.525 109.320 71.135
202012 50.244 109.565 72.006
202103 50.141 112.658 69.886
202106 50.417 113.960 69.467
202109 50.559 115.588 68.682
202112 45.339 119.088 59.781
202203 42.738 125.031 53.673
202206 40.757 131.705 48.591
202209 41.712 135.531 48.326
202212 47.259 139.113 53.343
202303 52.917 145.950 56.931
202306 58.867 147.009 62.876
202309 65.753 146.113 70.662
202312 70.849 147.741 75.299
202403 75.203 149.044 79.228
202406 75.553 150.997 78.567
202409 82.492 153.439 84.418
202412 85.840 154.660 87.150
202503 90.716 157.021 90.716

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


Alior Bank  (LTS:0QBM) 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.

Alior Bank's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=79.50/46.83
=1.70

* 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 Alior Bank was 1.76. The lowest was 0.42. And the median was 1.13.


Be Aware

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


Alior Bank Cyclically Adjusted Book per Share Related Terms

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


Alior Bank Business Description

Industry
Traded in Other Exchanges
Address
ul. Lopuszanska 38D, Warsaw, POL, 02-232
Alior Bank SA is a universal lending and deposit-taking bank that provides services to a Polish customer base. Its core activities include maintaining bank accounts, granting loans and advances, issuing banking securities, and buying and selling foreign currencies. Its subsidiary group company conducts brokerage activities, consulting, financial agency services, and other financial services. Its loan and advances book is diversified across various categories, notably retail cash loans and overdrafts, housing loans and other mortgages, working capital, and investment loans. The group's operations are financed from the funds of non-financial-sector customers deposited with the bank.

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