I-Remit (PHS:I) Cyclically Adjusted Book per Share: ₱2.05 (As of Sep. 2025)


What is I-Remit Cyclically Adjusted Book per Share?

I-Remit PHS:I Cyclically Adjusted Book per Share is ₱2.05 as of Sep. 2025. 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.

I-Remit's adjusted book value per share for the three months ended in Sep. 2025 was ₱-0.049. 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 ₱2.05 for the trailing ten years ended in Sep. 2025.

During the past 12 months, I-Remit's average Cyclically Adjusted Book Growth Rate was -9.30% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was -3.00% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was -0.40% 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 I-Remit was 2.20% per year. The lowest was -3.00% per year. And the median was 1.50% per year.

As of today (2026-06-26), I-Remit's current stock price is ₱0.199. I-Remit's Cyclically Adjusted Book per Share for the quarter that ended in Sep. 2025 was ₱2.05. I-Remit's Cyclically Adjusted PB Ratio of today is 0.10.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of I-Remit was 0.86. The lowest was 0.09. And the median was 0.33.


I-Remit  (PHS:I) 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.

I-Remit's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=0.199/2.05
=0.10

* 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 I-Remit was 0.86. The lowest was 0.09. And the median was 0.33.


Be Aware

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


I-Remit Cyclically Adjusted Book per Share Related Terms


I-Remit Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for I-Remit'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.

I-Remit Cyclically Adjusted Book per Share Chart

I-Remit 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 2.31 2.41 2.45 2.37 2.20

I-Remit Quarterly Data
Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25
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 2.26 2.20 2.16 2.11 2.05

PHS:I vs MSFT, ORCL, PLTR: Cyclically Adjusted Book per Share Comparison

For the Software - Infrastructure subindustry, I-Remit'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.


I-Remit Cyclically Adjusted PB Ratio vs Software Industry

For the Software industry and Technology sector, I-Remit's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where I-Remit's Cyclically Adjusted PB Ratio falls into.



I-Remit 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, I-Remit's adjusted Book Value per Share data for the three months ended in Sep. 2025 was:

Adj_Book= Book Value per Share /CPI of Sep. 2025 (Change)*Current CPI (Sep. 2025)
=-0.049/324.8000*324.8000
=-0.049

Current CPI (Sep. 2025) = 324.8000.

I-Remit Quarterly Data

Book Value per Share CPI Adj_Book
201512 2.083 236.525 2.860
201603 2.091 238.132 2.852
201606 2.108 241.018 2.841
201609 2.139 241.428 2.878
201612 2.151 241.432 2.894
201703 2.167 243.801 2.887
201706 2.180 244.955 2.891
201709 2.176 246.819 2.863
201712 2.194 246.524 2.891
201803 2.286 249.554 2.975
201806 2.280 251.989 2.939
201809 2.275 252.439 2.927
201812 2.261 251.233 2.923
201903 2.245 254.202 2.868
201906 2.218 256.143 2.813
201909 2.192 256.759 2.773
201912 2.275 256.974 2.875
202003 2.299 258.115 2.893
202006 2.156 257.797 2.716
202009 2.078 260.280 2.593
202012 2.070 260.474 2.581
202103 2.001 264.877 2.454
202106 1.945 271.696 2.325
202109 1.946 274.310 2.304
202112 1.920 278.802 2.237
202203 1.799 287.504 2.032
202206 1.721 296.311 1.886
202209 1.461 296.808 1.599
202212 1.350 296.797 1.477
202303 1.232 301.836 1.326
202306 1.123 305.109 1.195
202309 0.920 307.789 0.971
202312 0.727 306.746 0.770
202403 0.567 312.332 0.590
202406 0.467 314.175 0.483
202409 0.337 315.301 0.347
202412 0.235 315.605 0.242
202503 0.131 319.799 0.133
202506 0.023 322.561 0.023
202509 -0.049 324.800 -0.049

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 ₱2.05 mean?
I-Remit (PHS:I) has a Cyclically Adjusted Book per Share of ₱2.05 as of Sep. 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 I-Remit and its competitors.
Is I-Remit's Cyclically Adjusted Book per Share too high?
I-Remit's current Cyclically Adjusted Book per Share is ₱2.05.
How does I-Remit's Cyclically Adjusted Book per Share compare to MSFT and ORCL?
I-Remit's Cyclically Adjusted Book per Share of ₱2.05 can be compared against companies in the Software 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 Software company?
A good Cyclically Adjusted Book per Share depends on the Software 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 I-Remit and its competitors. I-Remit's current Cyclically Adjusted Book per Share is ₱2.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is I-Remit stock overvalued right now?
I-Remit (PHS:I) has a current Cyclically Adjusted Book per Share of ₱2.05. The stock's GF Value™ is ₱0.07, compared to a current price of ₱0.20 — trading 184.3% above its estimated fair value. The current Cyclically Adjusted Book per Share is ₱2.05. 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 I-Remit (PHS:I), the current Cyclically Adjusted Book per Share is ₱2.05 as of Sep. 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.

I-Remit Business Description

Address No. 25 ADB Avenue, 26th Floor, Discovery Centre, Ortigas Center, Metro Manila, Pasig, QUE, PHL, 1605
I-Remit Inc is a Philippine-based firm. The company with its subsidiaries provides fund transfer and remittance services to overseas Filipino workers and other migrant workers. It offers the bank-to-bank facility for online crediting to a bank account, delivers cash remittances to designated beneficiaries, and provides a visa card, a debit, and an automated teller machine card for sending money to their beneficiaries. The company operates in four geographical segments namely, the Philippines which contributes a majority of revenue, Asia Pacific, North America, and Europe segment.