Peninsula Group (XTAE:PEN) Cyclically Adjusted Book per Share: ₪2.04 (As of Mar. 2026)

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XTAE:PEN Peninsula Group Ltd XTAE:PEN
61 GF Score
Price ₪3.58
GF Value ₪2.71
Valuation Significantly Overvalued
! 4 Warning Signs
View Full Analysis

What is Peninsula Group Cyclically Adjusted Book per Share?

Peninsula Group XTAE:PEN 61 Cyclically Adjusted Book per Share is ₪2.04 as of Mar. 2026. GuruFocus rates XTAE:PEN with a GF Score™ of 61/100 and a GF Value™ of ₪2.71 (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.

Peninsula Group's adjusted book value per share for the three months ended in Mar. 2026 was ₪2.541. 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 ₪2.04 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Peninsula Group's average Cyclically Adjusted Book Growth Rate was 12.10% 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.

As of today (2026-07-25), Peninsula Group's current stock price is ₪3.58. Peninsula Group's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was ₪2.04. Peninsula Group's Cyclically Adjusted PB Ratio of today is 1.75.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Peninsula Group was 2.05. The lowest was 0.69. And the median was 1.37.


Peninsula Group  (XTAE:PEN) 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.

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

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=3.58/2.04
=1.75

* 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 Peninsula Group was 2.05. The lowest was 0.69. And the median was 1.37.


Be Aware

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


Peninsula Group Cyclically Adjusted Book per Share Related Terms


Peninsula Group Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Peninsula 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.

Peninsula Group Cyclically Adjusted Book per Share Chart

Peninsula 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 0.00 0.00 0.00 1.78 1.97

Peninsula 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 1.82 1.88 1.94 1.97 2.04

XTAE:PEN vs V, MA, AXP: Cyclically Adjusted Book per Share Comparison

For the Credit Services subindustry, Peninsula 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.


Peninsula Group Cyclically Adjusted PB Ratio vs Credit Services Industry

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

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


XTAE:PEN
61GF Score
Peninsula Group Ltd XTAE:PEN
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Peninsula 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, Peninsula 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)
=2.541/330.2130*330.2130
=2.541

Current CPI (Mar. 2026) = 330.2130.

Peninsula Group Quarterly Data

Book Value per Share CPI Adj_Book
201606 0.776 241.018 1.063
201609 0.764 241.428 1.045
201612 0.843 241.432 1.153
201703 0.809 243.801 1.096
201706 0.953 244.955 1.285
201709 0.986 246.819 1.319
201712 1.027 246.524 1.376
201803 0.972 249.554 1.286
201806 1.006 251.989 1.318
201809 1.048 252.439 1.371
201812 1.099 251.233 1.444
201903 1.049 254.202 1.363
201906 1.181 256.143 1.523
201909 0.954 256.759 1.227
201912 1.253 256.974 1.610
202003 1.967 258.115 2.516
202006 1.977 257.797 2.532
202009 1.980 260.280 2.512
202012 2.161 260.474 2.740
202103 2.107 264.877 2.627
202106 2.136 271.696 2.596
202109 2.145 274.310 2.582
202112 2.163 278.802 2.562
202203 2.167 287.504 2.489
202206 2.184 296.311 2.434
202209 2.188 296.808 2.434
202212 2.139 296.797 2.380
202303 2.214 301.836 2.422
202306 2.226 305.109 2.409
202309 2.240 307.789 2.403
202312 2.142 306.746 2.306
202403 2.288 312.332 2.419
202406 2.315 314.175 2.433
202409 2.352 315.301 2.463
202412 2.225 315.605 2.328
202503 2.420 319.799 2.499
202506 2.457 322.561 2.515
202509 2.497 324.800 2.539
202512 2.507 324.054 2.555
202603 2.541 330.213 2.541

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 ₪2.04 mean?
Peninsula Group (XTAE:PEN) has a Cyclically Adjusted Book per Share of ₪2.04 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 Peninsula Group and its competitors.
Is Peninsula Group's Cyclically Adjusted Book per Share too high?
Peninsula Group's current Cyclically Adjusted Book per Share is ₪2.04. Overall, Peninsula Group has a GF Score™ of 61/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Peninsula Group's Cyclically Adjusted Book per Share compare to V and MA?
Peninsula Group's Cyclically Adjusted Book per Share of ₪2.04 can be compared against companies in the Credit Services 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 Credit Services company?
A good Cyclically Adjusted Book per Share depends on the Credit Services 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 Peninsula Group and its competitors. Peninsula Group's current Cyclically Adjusted Book per Share is ₪2.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Peninsula Group stock overvalued right now?
Based on GuruFocus' analysis, Peninsula Group (XTAE:PEN) is currently considered Significantly Overvalued. The stock's GF Value™ is ₪2.71, compared to a current price of ₪3.58 — trading 32.1% above its estimated fair value. The current Cyclically Adjusted Book per Share is ₪2.04. Peninsula Group's overall GF Score™ is 61/100 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 Peninsula Group (XTAE:PEN), the current Cyclically Adjusted Book per Share is ₪2.04 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 Peninsula Group (XTAE:PEN) Overvalued in 2026?

Based on GuruFocus' analysis, Peninsula Group stock appears to be overvalued. The current stock price of ₪3.58 is trading 32.1% above its estimated GF Value™ of ₪2.71. GuruFocus considers Peninsula Group to be Significantly Overvalued.

Key valuation signals for XTAE:PEN:

  • Cyclically Adjusted Book per Share: ₪2.04
  • GF Value™: ₪2.71 vs. price of ₪3.58 (32.1% above fair value)
  • GF Score™: 61/100 with 4 warning signs

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


Peninsula Group Business Description

Address 48 Yehuda Halevi Street, Tel Aviv, ISR, 6578202
Peninsula Group Ltd is engaged in providing financial services. The Company is engaged in providing credit facilities including loans, leasing and factoring and investment banking services. It provides credit to small and medium-sized companies in Israel. It also serves customers in fields of manufacturing, commerce, import, distribution, construction, infrastructure, retail, and services.
61GF Score

Get the complete analysis for XTAE:PEN

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

₪3.58
Price
₪2.71
GF Value