BDGSF (Lion Finance Group) Cyclically Adjusted PB Ratio: 4.57 (As of Sep. 07, 2026) — 164% Above Median

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BDGSF Lion Finance Group PLC BDGSF
70 GF Score
Price $178.04
GF Value $111.59
Valuation Significantly Overvalued
! 6 Warning Signs
View Full Analysis

What is Lion Finance Group Cyclically Adjusted PB Ratio?

Lion Finance Group BDGSF 70 Cyclically Adjusted PB Ratio is 4.57 as of Sep. 07, 2026, which is 164% above its 10-year median of 1.73. GuruFocus rates BDGSF with a GF Score™ of 70/100 and a GF Value™ of $111.59 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,274 Banks companies, Lion Finance Group ranks worse than 97.25% on this metric.

As of today (2026-09-07), Lion Finance Group's current share price is $178.04. Lion Finance Group's Cyclically Adjusted Book per Share for the quarter that ended in Jun. 2026 was $38.99. Lion Finance Group's Cyclically Adjusted PB Ratio for today is 4.57.

The historical rank and industry rank for Lion Finance Group's Cyclically Adjusted PB Ratio or its related term are showing as below:

BDGSF' s Cyclically Adjusted PB Ratio Range Over the Past 10 Years
Min: 0.64   Med: 1.73   Max: 4.68
Current: 4.68

During the past years, Lion Finance Group's highest Cyclically Adjusted PB Ratio was 4.68. The lowest was 0.64. And the median was 1.73.

BDGSF's Cyclically Adjusted PB Ratio is ranked worse than
97.25% of 1274 companies
in the Banks industry
Industry Median: 1.29 vs BDGSF: 4.68

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 adjusted book value per share data for the three months ended in Jun. 2026 was $83.629. 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 $38.99 for the trailing ten years ended in Jun. 2026.

Shiller PE for Stocks: The True Measure of Stock Valuation


Lion Finance Group  (OTCPK:BDGSF) Cyclically Adjusted PB Ratio Explanation

Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.


Lion Finance Group Cyclically Adjusted PB Ratio Related Terms


Lion Finance Group Cyclically Adjusted PB Ratio Historical Data

* Premium members only.

The historical data trend for Lion Finance Group's Cyclically Adjusted PB Ratio 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 PB Ratio Chart

Lion Finance Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.17 1.59 2.10 2.10 3.49

Lion Finance Group Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted PB Ratio 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 2.88 3.00 3.49 3.34 3.89

Lion Finance Group Cyclically Adjusted PB Ratio 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.


BDGSF
70GF Score
Lion Finance Group PLC BDGSF
Cyclically Adjusted PB Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Lion Finance Group Cyclically Adjusted PB Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.

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

Cyclically Adjusted PB Ratio=Share Price/ Cyclically Adjusted Book per Share
=178.04/38.99
=4.57

* 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's Cyclically Adjusted Book per Share for the quarter that ended in Jun. 2026 is calculated as:

For example, Lion Finance Group's adjusted Book Value per Share data for the three months ended in Jun. 2026 was:

Adj_Book=Book Value per Share/CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=83.629/142.3000*142.3000
=83.629

Current CPI (Jun. 2026) = 142.3000.

Lion Finance Group Quarterly Data

Book Value per Share CPI Adj_Book
201609 21.509 101.500 30.155
201612 21.732 102.200 30.259
201703 21.484 102.700 29.768
201706 21.913 103.500 30.128
201709 23.034 104.300 31.426
201712 23.593 105.000 31.974
201803 24.916 105.100 33.735
201806 13.099 105.900 17.601
201809 13.099 106.600 17.486
201812 14.431 107.100 19.174
201903 15.310 107.000 20.361
201906 15.379 107.900 20.282
201909 16.387 108.400 21.512
201912 17.412 108.500 22.836
202003 16.461 108.600 21.569
202006 17.685 108.800 23.130
202009 19.066 109.200 24.845
202012 20.502 109.400 26.668
202103 21.340 109.700 27.682
202106 22.596 111.400 28.864
202109 23.557 112.400 29.823
202112 25.201 114.700 31.265
202203 26.398 116.500 32.244
202206 26.682 120.500 31.509
202209 30.255 122.300 35.203
202212 34.198 125.300 38.838
202303 37.813 126.800 42.435
202306 37.745 129.400 41.508
202309 41.319 130.100 45.194
202312 44.000 130.500 47.979
202403 52.192 131.600 56.436
202406 54.181 133.000 57.970
202409 57.758 133.500 61.565
202412 62.481 135.100 65.811
202503 65.639 136.100 68.629
202506 66.623 138.400 68.500
202509 70.816 138.900 72.549
202512 74.381 139.900 75.657
202603 79.776 140.800 80.626
202606 83.629 142.300 83.629

Add all the adjusted book value per share together and divide the count will get our 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.

What does a Cyclically Adjusted PB Ratio of 4.57 mean?
Lion Finance Group (BDGSF) has a Cyclically Adjusted PB Ratio of 4.57 as of Sep. 07, 2026. Cyclically Adjusted PB Ratio is the ratio of share price to a company's inflation-adjusted book value per share over a 10-year period. View historical data on Lion Finance Group and its competitors. This is 164% above median its historical median of 1.73. Over the past decade, Lion Finance Group's Cyclically Adjusted PB Ratio has ranged from 0.64 to 4.68. According to the industry distribution chart, Lion Finance Group ranks #1239 out of 1274 companies in the Banks industry, placing it in the top 97.3%.
Is Lion Finance Group's Cyclically Adjusted PB Ratio too high?
Lion Finance Group's current Cyclically Adjusted PB Ratio of 4.57 is 164% above median its 10-year median of 1.73. Over the past 10 years, this metric has ranged from a low of 0.64 to a high of 4.68. The Banks industry median Cyclically Adjusted PB Ratio is 1.29. Lion Finance Group's value of 4.57 is 254.3% above this industry median. Based on the distribution chart, Lion Finance Group ranks #1239 out of 1274 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Lion Finance Group has a GF Score™ of 70/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Lion Finance Group's Cyclically Adjusted PB Ratio compare to competitors?
According to the Banks industry distribution chart, Lion Finance Group ranks #1239 out of 1274 companies for Cyclically Adjusted PB Ratio. This places Lion Finance Group in the lower half of its industry. The industry median Cyclically Adjusted PB Ratio is 1.29. Lion Finance Group's value of 4.57 is 254.3% above this benchmark. Historically, Lion Finance Group's own Cyclically Adjusted PB Ratio has ranged from 0.64 to 4.68 over the past decade. While the company's 10-year median is 1.73 vs. the industry median of 1.29, Lion Finance Group has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted PB Ratio for a Banks company?
The median Cyclically Adjusted PB Ratio among Banks companies is 1.29, based on 1,274 companies in the industry. Companies in the top quartile (top 25%) have a Cyclically Adjusted PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cyclically Adjusted PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Lion Finance Group's current Cyclically Adjusted PB Ratio of 4.57 is 254.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted PB Ratio mean?
A high Cyclically Adjusted PB Ratio can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted PB Ratio is the ratio of share price to a company's inflation-adjusted book value per share over a 10-year period. View historical data on Lion Finance Group and its competitors. For the Banks industry, the median Cyclically Adjusted PB Ratio is 1.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lion Finance Group's current Cyclically Adjusted PB Ratio is 4.57, which is 164% above median its own 10-year median of 1.73. 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 (BDGSF) is currently considered Significantly Overvalued. The stock's GF Value™ is $111.59, compared to a current price of $178.04 — trading 59.5% above its estimated fair value. The current Cyclically Adjusted PB Ratio is 4.57, which is 164% above median its 10-year median of 1.73 and 254.3% above the Banks industry median of 1.29. Lion Finance Group's overall GF Score™ is 70/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted PB Ratio calculated?
Cyclically Adjusted PB Ratio is calculated from a company's financial statements. For Lion Finance Group (BDGSF), the current Cyclically Adjusted PB Ratio is 4.57 as of Sep. 07, 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 (BDGSF) Overvalued in 2026?

Based on GuruFocus' analysis, Lion Finance Group stock appears to be overvalued. The current stock price of $178.04 is trading 59.5% above its estimated GF Value™ of $111.59. GuruFocus considers Lion Finance Group to be Significantly Overvalued.

Key valuation signals for BDGSF:

  • Cyclically Adjusted PB Ratio: 4.57 (164% above median its 10-year median of 1.73)
  • GF Value™: $111.59 vs. price of $178.04 (59.5% above fair value)
  • GF Score™: 70/100 with 6 warning signs
  • Industry Position: 254.3% above the Banks median (#1239 of 1274)

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


Lion Finance Group Business Description

Other Exchanges BGEOl:UKBGEO:UKGEB:Germany
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.
70GF Score

Get the complete analysis for BDGSF

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

$178.04
Price
$111.59
GF Value