Fundusz Hipoteczny Dom (WAR:FHD) Cyclically Adjusted Book per Share: zł2.14 (As of Sep. 2025)


WAR:FHD Fundusz Hipoteczny Dom SA WAR:FHD
24 GF Score
Price zł3.70
! 3 Warning Signs
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What is Fundusz Hipoteczny Dom Cyclically Adjusted Book per Share?

Fundusz Hipoteczny Dom WAR:FHD 24 Cyclically Adjusted Book per Share is zł2.14 as of Sep. 2025. GuruFocus rates WAR:FHD with a GF Score™ of 24/100. The stock has 3 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.

Fundusz Hipoteczny Dom's adjusted book value per share for the three months ended in Sep. 2025 was zł1.642. 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 zł2.14 for the trailing ten years ended in Sep. 2025.

During the past 12 months, Fundusz Hipoteczny Dom's average Cyclically Adjusted Book Growth Rate was -2.30% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was -0.60% 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 Fundusz Hipoteczny Dom was -0.60% per year. The lowest was -0.60% per year. And the median was -0.60% per year.

As of today (2026-07-03), Fundusz Hipoteczny Dom's current stock price is zł3.70. Fundusz Hipoteczny Dom's Cyclically Adjusted Book per Share for the quarter that ended in Sep. 2025 was zł2.14. Fundusz Hipoteczny Dom's Cyclically Adjusted PB Ratio of today is 1.73.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Fundusz Hipoteczny Dom was 5.73. The lowest was 1.22. And the median was 2.18.


Fundusz Hipoteczny Dom  (WAR:FHD) 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.

Fundusz Hipoteczny Dom's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=3.70/2.14
=1.73

* 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 Fundusz Hipoteczny Dom was 5.73. The lowest was 1.22. And the median was 2.18.


Be Aware

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


Fundusz Hipoteczny Dom Cyclically Adjusted Book per Share Related Terms


Fundusz Hipoteczny Dom Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Fundusz Hipoteczny Dom'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.

Fundusz Hipoteczny Dom Cyclically Adjusted Book per Share Chart

Fundusz Hipoteczny Dom 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 0.00 2.22 2.51 2.36 2.18

Fundusz Hipoteczny Dom 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 2.19 2.18 2.18 2.16 2.14

WAR:FHD vs RKT, FNMA, PFSI: Cyclically Adjusted Book per Share Comparison

For the Mortgage Finance subindustry, Fundusz Hipoteczny Dom'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.


Fundusz Hipoteczny Dom Cyclically Adjusted PB Ratio vs Banks Industry

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

* The bar in red indicates where Fundusz Hipoteczny Dom's Cyclically Adjusted PB Ratio falls into.


WAR:FHD
24GF Score
Fundusz Hipoteczny Dom SA WAR:FHD
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
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Fundusz Hipoteczny Dom 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, Fundusz Hipoteczny Dom'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)
=1.642/158.0000*158.0000
=1.642

Current CPI (Sep. 2025) = 158.0000.

Fundusz Hipoteczny Dom Quarterly Data

Book Value per Share CPI Adj_Book
201512 1.512 99.471 2.402
201603 1.569 98.983 2.505
201606 1.516 99.552 2.406
201609 1.405 99.064 2.241
201612 1.431 100.366 2.253
201703 1.441 101.018 2.254
201706 1.385 101.180 2.163
201709 2.024 101.343 3.156
201712 1.690 102.564 2.603
201803 1.644 102.564 2.533
201806 1.630 103.378 2.491
201809 1.504 103.378 2.299
201812 1.531 103.785 2.331
201903 1.477 104.274 2.238
201906 1.405 105.983 2.095
201909 1.332 105.983 1.986
201912 1.874 107.123 2.764
202003 1.767 109.076 2.560
202006 1.702 109.402 2.458
202009 2.205 109.320 3.187
202012 2.197 109.565 3.168
202103 2.181 112.658 3.059
202106 2.159 113.960 2.993
202109 2.321 115.588 3.173
202112 2.516 119.088 3.338
202203 2.470 125.031 3.121
202206 2.540 131.705 3.047
202209 2.576 135.531 3.003
202212 0.851 139.113 0.967
202303 0.790 145.950 0.855
202306 0.815 147.009 0.876
202309 0.437 146.113 0.473
202312 0.430 147.741 0.460
202403 0.239 149.044 0.253
202406 0.105 150.997 0.110
202409 1.305 153.439 1.344
202412 1.688 154.660 1.724
202503 1.595 157.021 1.605
202506 1.624 157.509 1.629
202509 1.642 158.000 1.642

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 zł2.14 mean?
Fundusz Hipoteczny Dom (WAR:FHD) has a Cyclically Adjusted Book per Share of zł2.14 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 Fundusz Hipoteczny Dom and its competitors.
Is Fundusz Hipoteczny Dom's Cyclically Adjusted Book per Share too high?
Fundusz Hipoteczny Dom's current Cyclically Adjusted Book per Share is zł2.14. Overall, Fundusz Hipoteczny Dom has a GF Score™ of 24/100, reflecting its overall financial health beyond just this single metric.
How does Fundusz Hipoteczny Dom's Cyclically Adjusted Book per Share compare to RKT and FNMA?
Fundusz Hipoteczny Dom's Cyclically Adjusted Book per Share of zł2.14 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 Fundusz Hipoteczny Dom and its competitors. Fundusz Hipoteczny Dom's current Cyclically Adjusted Book per Share is zł2.14. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Fundusz Hipoteczny Dom stock overvalued right now?
Fundusz Hipoteczny Dom (WAR:FHD) has a current Cyclically Adjusted Book per Share of zł2.14. The current Cyclically Adjusted Book per Share is zł2.14. Fundusz Hipoteczny Dom's overall GF Score™ is 24/100 with 3 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 Fundusz Hipoteczny Dom (WAR:FHD), the current Cyclically Adjusted Book per Share is zł2.14 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.

Fundusz Hipoteczny Dom Business Description

Address al. Jana Pawla II 29, Warsaw, POL, 00-867
Fundusz Hipoteczny Dom SA offers reverse mortgages services enabling oldest member who are owners of residential real estate to use its property and release its value in the form of cash benefits received.
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Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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