Sahara Housingfina (BOM:511533) Cyclically Adjusted PB Ratio: (As of Aug. 31, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

BOM:511533 Sahara Housingfina Corp Ltd BOM:511533
65 GF Score
Price ₹39.90
GF Value ₹34.73
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Sahara Housingfina Cyclically Adjusted PB Ratio?

Shiller PE for Stocks: The True Measure of Stock Valuation


Sahara Housingfina  (BOM:511533) 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.


Sahara Housingfina Cyclically Adjusted PB Ratio Related Terms


Sahara Housingfina Cyclically Adjusted PB Ratio Historical Data

* Premium members only.

The historical data trend for Sahara Housingfina'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.

Sahara Housingfina Cyclically Adjusted PB Ratio Chart

Sahara Housingfina Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Cyclically Adjusted PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.62 0.59 0.53 0.49 0.46

Sahara Housingfina 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 0.00 0.56 0.00 0.46 0.00

BOM:511533 vs RKT, FNMA, PFSI: Cyclically Adjusted PB Ratio Comparison

For the Mortgage Finance subindustry, Sahara Housingfina'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.


Sahara Housingfina Cyclically Adjusted PB Ratio vs Banks Industry

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

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


BOM:511533
65GF Score
Sahara Housingfina Corp Ltd BOM:511533
Cyclically Adjusted PB Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Sahara Housingfina 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.

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

For example, Sahara Housingfina'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)
=0/167.3573*167.3573
=0.000

Current CPI (Jun. 2026) = 167.3573.

Sahara Housingfina Quarterly Data

Book Value per Share CPI Adj_Book
201609 49.313 105.961 77.886
201612 0.000 105.196 0.000
201703 50.729 105.196 80.705
201706 0.000 107.109 0.000
201709 52.800 109.021 81.053
201712 0.000 109.404 0.000
201803 57.435 109.786 87.553
201806 0.000 111.317 0.000
201809 55.884 115.142 81.227
201812 0.000 115.142 0.000
201903 61.141 118.202 86.567
201906 0.000 120.880 0.000
201909 62.755 123.175 85.265
201912 0.000 126.235 0.000
202003 64.125 124.705 86.057
202006 0.000 127.000 0.000
202009 65.565 130.118 84.330
202012 0.000 130.889 0.000
202103 67.160 131.771 85.298
202106 0.000 134.084 0.000
202109 68.469 135.847 84.351
202112 0.000 138.161 0.000
202203 69.773 138.822 84.115
202206 0.000 142.347 0.000
202209 71.100 144.661 82.255
202212 0.000 145.763 0.000
202303 71.834 146.865 81.857
202306 0.000 150.280 0.000
202309 72.905 151.492 80.540
202312 0.000 152.924 0.000
202403 73.892 153.035 80.808
202406 0.000 155.789 0.000
202409 74.400 157.882 78.865
202412 0.000 158.323 0.000
202503 74.838 157.552 79.496
202506 0.000 159.755 0.000
202509 75.104 162.289 77.449
202512 0.000 163.281 0.000
202603 75.444 164.272 76.861
202606 0.000 167.357 0.000

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.

Is Sahara Housingfina (BOM:511533) Overvalued in 2026?

Based on GuruFocus' analysis, Sahara Housingfina stock appears to be overvalued. The current stock price of ₹39.90 is trading 14.9% above its estimated GF Value™ of ₹34.73. GuruFocus considers Sahara Housingfina to be Modestly Overvalued.

Key valuation signals for BOM:511533:

  • Cyclically Adjusted PB Ratio:
  • GF Value™: ₹34.73 vs. price of ₹39.90 (14.9% above fair value)
  • GF Score™: 65/100 with 7 warning signs

No single metric tells the full story. See the BOM:511533 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Sahara Housingfina Business Description

Address 46, Dr. Sundari Mohan Avenue, 2nd Floor, Kolkata, WB, IND, 700014
Sahara Housingfina Corp Ltd is an Indian company engaged in carrying out activities of housing finance companies (Housing Loans and Non-Housing Loans). Its product portfolio includes Individual Housing Loans, Home Improvement Loans, Home Extension loans, Land Loans, Home Loan Plus, Mortgage Loans, Non-Residential Property Loans, Home Loan Enhancement, and Loan Take Over / Balance Transfer. The company is exclusively engaged in the Housing Finance business, and revenues are mainly derived from this activity. The company generates the majority of its revenue from Interest Income.
65GF Score

Get the complete analysis for BOM:511533

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

₹39.90
Price
₹34.73
GF Value