Lion Finance Group (STU:GEB) Cyclically Adjusted Book per Share: €32.59 (As of Mar. 2026)

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STU:GEB Lion Finance Group PLC STU:GEB
74 GF Score
Price €136.00
GF Value €89.74
Valuation Significantly Overvalued
! 7 Warning Signs
View Full Analysis

What is Lion Finance Group Cyclically Adjusted Book per Share?

Lion Finance Group STU:GEB +2.26% 74 Cyclically Adjusted Book per Share is €32.59 as of Mar. 2026. GuruFocus rates STU:GEB with a GF Score™ of 74/100 and a GF Value™ of €89.74 (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.

Lion Finance Group's adjusted book value per share for the three months ended in Mar. 2026 was €68.717. 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 €32.59 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Lion Finance Group's average Cyclically Adjusted Book Growth Rate was 18.80% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 17.50% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 16.10% 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 Lion Finance Group was 17.50% per year. The lowest was 11.90% per year. And the median was 15.35% per year.

As of today (2026-07-26), Lion Finance Group's current stock price is €136.00. Lion Finance Group's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was €32.59. Lion Finance Group's Cyclically Adjusted PB Ratio of today is 4.17.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Lion Finance Group was 4.33. The lowest was 0.63. And the median was 1.66.


Lion Finance Group  (STU:GEB) 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.

Lion Finance Group's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=136.00/32.59
=4.17

* 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 Lion Finance Group was 4.33. The lowest was 0.63. And the median was 1.66.


Be Aware

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


Lion Finance Group Cyclically Adjusted Book per Share Related Terms


Lion Finance Group Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Lion Finance Group'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.

Lion Finance Group Cyclically Adjusted Book per Share Chart

Lion Finance Group 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 15.97 18.32 21.35 26.12 29.74

Lion Finance Group 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 27.40 28.18 28.79 29.74 32.59

Lion Finance Group Cyclically Adjusted Book per Share Competitor Comparison

For the Banks - Regional subindustry, Lion Finance Group'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.


Lion Finance Group Cyclically Adjusted PB Ratio vs Banks Industry

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

* The bar in red indicates where Lion Finance Group's Cyclically Adjusted PB Ratio falls into.


STU:GEB
74GF Score
Lion Finance Group PLC STU:GEB
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Lion Finance Group 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, Lion Finance Group'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)
=68.717/140.8000*140.8000
=68.717

Current CPI (Mar. 2026) = 140.8000.

Lion Finance Group Quarterly Data

Book Value per Share CPI Adj_Book
201606 17.016 101.000 23.721
201609 18.528 101.500 25.702
201612 18.720 102.200 25.790
201703 18.506 102.700 25.371
201706 18.875 103.500 25.677
201709 19.841 104.300 26.784
201712 20.322 105.000 27.251
201803 21.462 105.100 28.752
201806 11.283 105.900 15.001
201809 11.283 106.600 14.903
201812 12.430 107.100 16.341
201903 13.187 107.000 17.353
201906 13.248 107.900 17.287
201909 14.116 108.400 18.335
201912 14.998 108.500 19.463
202003 14.180 108.600 18.384
202006 15.234 108.800 19.715
202009 16.423 109.200 21.175
202012 17.660 109.400 22.729
202103 18.382 109.700 23.593
202106 19.464 111.400 24.601
202109 20.292 112.400 25.419
202112 21.708 114.700 26.648
202203 22.739 116.500 27.482
202206 22.983 120.500 26.855
202209 26.061 122.300 30.003
202212 29.458 125.300 33.102
202303 32.572 126.800 36.168
202306 32.513 129.400 35.377
202309 35.591 130.100 38.518
202312 37.901 130.500 40.892
202403 44.957 131.600 48.100
202406 46.670 133.000 49.407
202409 49.752 133.500 52.473
202412 53.820 135.100 56.091
202503 56.540 136.100 58.493
202506 57.388 138.400 58.383
202509 61.000 138.900 61.834
202512 64.070 139.900 64.482
202603 68.717 140.800 68.717

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 €32.59 mean?
Lion Finance Group (STU:GEB) has a Cyclically Adjusted Book per Share of €32.59 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 Lion Finance Group and its competitors.
Is Lion Finance Group's Cyclically Adjusted Book per Share too high?
Lion Finance Group's current Cyclically Adjusted Book per Share is €32.59. Overall, Lion Finance Group has a GF Score™ of 74/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Lion Finance Group's Cyclically Adjusted Book per Share compare to competitors?
Lion Finance Group's Cyclically Adjusted Book per Share of €32.59 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 Lion Finance Group and its competitors. Lion Finance Group's current Cyclically Adjusted Book per Share is €32.59. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Lion Finance Group stock overvalued right now?
Based on GuruFocus' analysis, Lion Finance Group (STU:GEB) is currently considered Significantly Overvalued. The stock's GF Value™ is €89.74, compared to a current price of €136.00 — trading 51.5% above its estimated fair value. The current Cyclically Adjusted Book per Share is €32.59. Lion Finance Group's overall GF Score™ is 74/100 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 Lion Finance Group (STU:GEB), the current Cyclically Adjusted Book per Share is €32.59 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 Lion Finance Group (STU:GEB) Overvalued in 2026?

Based on GuruFocus' analysis, Lion Finance Group stock appears to be overvalued. The current stock price of €136.00 is trading 51.5% above its estimated GF Value™ of €89.74. GuruFocus considers Lion Finance Group to be Significantly Overvalued.

Key valuation signals for STU:GEB:

  • Cyclically Adjusted Book per Share: €32.59
  • GF Value™: €89.74 vs. price of €136.00 (51.5% above fair value)
  • GF Score™: 74/100 with 7 warning signs

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


Lion Finance Group Business Description

Address 29 Farm Street, London, GBR, W1J 5RL
Lion Finance Group PLC, along with its subsidiaries, provides banking and financial services focused on the Georgian and Armenian markets. It offers services such as banking, leasing, brokerage, and investment management to corporate and individual customers. The Group is organised into the following Business Divisions and respective operating segments: Retail Banking, SME Banking, Corporate, Investment Banking, Corporate Center, Armenian Financial Services, and Other Businesses.
74GF Score

Get the complete analysis for STU:GEB

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

€136.00
Price
€89.74
GF Value