Banco Guayaquil (QUI:GYL) Cyclically Adjusted Book per Share: $1.50 (As of Mar. 2026)

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QUI:GYL Banco Guayaquil SA QUI:GYL
66 GF Score
Price $2.46
GF Value $1.22
Valuation Significantly Overvalued
! 4 Warning Signs
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What is Banco Guayaquil Cyclically Adjusted Book per Share?

Banco Guayaquil QUI:GYL 66 Cyclically Adjusted Book per Share is $1.50 as of Mar. 2026. GuruFocus rates QUI:GYL with a GF Score™ of 66/100 and a GF Value™ of $1.22 (Significantly Overvalued). The stock has 4 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 Guayaquil's adjusted book value per share for the three months ended in Mar. 2026 was $1.379. 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 $1.50 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Banco Guayaquil's average Cyclically Adjusted Book Growth Rate was 0.70% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 2.40% 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 Banco Guayaquil was 2.40% per year. The lowest was 2.40% per year. And the median was 2.40% per year.

As of today (2026-07-19), Banco Guayaquil's current stock price is $2.46. Banco Guayaquil's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was $1.50. Banco Guayaquil's Cyclically Adjusted PB Ratio of today is 1.64.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Banco Guayaquil was 1.84. The lowest was 0.61. And the median was 0.76.


Banco Guayaquil  (QUI:GYL) 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 Guayaquil's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=2.46/1.50
=1.64

* 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 Guayaquil was 1.84. The lowest was 0.61. And the median was 0.76.


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 Guayaquil Cyclically Adjusted Book per Share Related Terms


Banco Guayaquil Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Banco Guayaquil'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 Guayaquil Cyclically Adjusted Book per Share Chart

Banco Guayaquil 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 0.00 0.97 0.94 1.40 1.47

Banco Guayaquil 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 1.48 1.50 1.47 1.47 1.50

QUI:GYL vs PNC, USB: Cyclically Adjusted Book per Share Comparison

For the Banks - Regional subindustry, Banco Guayaquil'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 Guayaquil Cyclically Adjusted PB Ratio vs Banks Industry

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

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


QUI:GYL
66GF Score
Banco Guayaquil SA QUI:GYL
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Banco Guayaquil 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 Guayaquil'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)
=1.379/330.2130*330.2130
=1.379

Current CPI (Mar. 2026) = 330.2130.

Banco Guayaquil Quarterly Data

Book Value per Share CPI Adj_Book
201606 0.000 241.018 0.000
201609 0.000 241.428 0.000
201612 0.000 241.432 0.000
201703 0.000 243.801 0.000
201706 0.000 244.955 0.000
201709 0.000 246.819 0.000
201712 0.000 246.524 0.000
201803 0.000 249.554 0.000
201806 0.000 251.989 0.000
201809 0.000 252.439 0.000
201812 0.000 251.233 0.000
201903 0.000 254.202 0.000
201906 0.000 256.143 0.000
201909 0.000 256.759 0.000
201912 0.000 256.974 0.000
202003 0.000 258.115 0.000
202006 0.000 257.797 0.000
202009 0.000 260.280 0.000
202012 0.000 260.474 0.000
202103 0.000 264.877 0.000
202106 0.000 271.696 0.000
202109 0.000 274.310 0.000
202112 0.000 278.802 0.000
202203 0.000 287.504 0.000
202206 0.000 296.311 0.000
202209 1.328 296.808 1.477
202212 1.408 296.797 1.567
202303 1.381 301.836 1.511
202306 1.446 305.109 1.565
202309 0.000 307.789 0.000
202312 1.565 306.746 1.685
202403 1.504 312.332 1.590
202406 1.555 314.175 1.634
202409 1.315 315.301 1.377
202412 1.389 315.605 1.453
202503 1.347 319.799 1.391
202506 1.404 322.561 1.437
202509 1.345 324.800 1.367
202512 1.418 324.054 1.445
202603 1.379 330.213 1.379

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 $1.50 mean?
Banco Guayaquil (QUI:GYL) has a Cyclically Adjusted Book per Share of $1.50 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 Guayaquil and its competitors.
Is Banco Guayaquil's Cyclically Adjusted Book per Share too high?
Banco Guayaquil's current Cyclically Adjusted Book per Share is $1.50. Overall, Banco Guayaquil has a GF Score™ of 66/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco Guayaquil's Cyclically Adjusted Book per Share compare to PNC and USB?
Banco Guayaquil's Cyclically Adjusted Book per Share of $1.50 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 Guayaquil and its competitors. Banco Guayaquil's current Cyclically Adjusted Book per Share is $1.50. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco Guayaquil stock overvalued right now?
Based on GuruFocus' analysis, Banco Guayaquil (QUI:GYL) is currently considered Significantly Overvalued. The stock's GF Value™ is $1.22, compared to a current price of $2.46 — trading 101.6% above its estimated fair value. The current Cyclically Adjusted Book per Share is $1.50. Banco Guayaquil's overall GF Score™ is 66/100 with 4 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 Guayaquil (QUI:GYL), the current Cyclically Adjusted Book per Share is $1.50 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 Guayaquil (QUI:GYL) Overvalued in 2026?

Based on GuruFocus' analysis, Banco Guayaquil stock appears to be overvalued. The current stock price of $2.46 is trading 101.6% above its estimated GF Value™ of $1.22. GuruFocus considers Banco Guayaquil to be Significantly Overvalued.

Key valuation signals for QUI:GYL:

  • Cyclically Adjusted Book per Share: $1.50
  • GF Value™: $1.22 vs. price of $2.46 (101.6% above fair value)
  • GF Score™: 66/100 with 4 warning signs

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


Banco Guayaquil Business Description

Other Exchanges GYL:Ecuador
Address Pichincha 107 and P Icaza, Banco Guayaquil, Main Building, Guayaquil, ECU, 090150
Banco Guayaquil SA provides various banking and financial services through its vast network of ATMs and various branches, mainly in Ecuador. It offers loans, accepts deposits, provides digital banking services, issues debit and credit cards, and offers financing and investment products and services, among others. The bank's economic activities are grouped into different lines of business: corporate banking, personal banking, educational banking, housing banking, microcredit, and other financial services.
66GF Score

Get the complete analysis for QUI:GYL

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

$2.46
Price
$1.22
GF Value