India Home Loan (BOM:530979) Cyclically Adjusted PB Ratio: (As of Sep. 06, 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:530979 India Home Loan Ltd BOM:530979
52 GF Score
Price ₹30.41
GF Value ₹30.85
Valuation Fairly Valued
! 5 Warning Signs
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What is India Home Loan Cyclically Adjusted PB Ratio?

Shiller PE for Stocks: The True Measure of Stock Valuation

India Home Loan  (BOM:530979) 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.

India Home Loan Cyclically Adjusted PB Ratio Related Terms

India Home Loan Cyclically Adjusted PB Ratio Historical Data

* Premium members only.

The historical data trend for India Home Loan'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.

India Home Loan Cyclically Adjusted PB Ratio Chart

India Home Loan 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 1.25 1.26 1.00 1.03 0.80

India Home Loan 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 1.28 0.00 0.80 0.00

BOM:530979 vs RKT, FNMA, PFSI: Cyclically Adjusted PB Ratio Comparison

For the Mortgage Finance subindustry, India Home Loan'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.

India Home Loan Cyclically Adjusted PB Ratio vs Banks Industry

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

* The bar in red indicates where India Home Loan's Cyclically Adjusted PB Ratio falls into.


BOM:530979
52GF Score
India Home Loan Ltd BOM:530979
Cyclically Adjusted PB Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

India Home Loan 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.

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

For example, India Home Loan'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.

India Home Loan Quarterly Data

Book Value per Share CPI Adj_Book
201609 13.436 105.961 21.221
201612 0.000 105.196 0.000
201703 21.893 105.196 34.830
201706 0.000 107.109 0.000
201709 22.781 109.021 34.971
201712 0.000 109.404 0.000
201803 21.849 109.786 33.306
201806 0.000 111.317 0.000
201809 25.011 115.142 36.353
201812 0.000 115.142 0.000
201903 24.981 118.202 35.370
201906 0.000 120.880 0.000
201909 25.232 123.175 34.283
201912 0.000 126.235 0.000
202003 26.716 124.705 35.854
202006 0.000 127.000 0.000
202009 26.843 130.118 34.525
202012 0.000 130.889 0.000
202103 27.388 131.771 34.785
202106 0.000 134.084 0.000
202109 28.247 135.847 34.799
202112 0.000 138.161 0.000
202203 30.754 138.822 37.076
202206 0.000 142.347 0.000
202209 31.060 144.661 35.933
202212 0.000 145.763 0.000
202303 31.234 146.865 35.592
202306 0.000 150.280 0.000
202309 31.123 151.492 34.382
202312 0.000 152.924 0.000
202403 28.848 153.035 31.548
202406 0.000 155.789 0.000
202409 28.960 157.882 30.698
202412 0.000 158.323 0.000
202503 29.014 157.552 30.820
202506 0.000 159.755 0.000
202509 28.978 162.289 29.883
202512 0.000 163.281 0.000
202603 29.027 164.272 29.572
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 India Home Loan (BOM:530979) Overvalued in 2026?

Based on GuruFocus' analysis, India Home Loan stock appears to be undervalued. The current stock price of ₹30.41 is trading 1.4% below its estimated GF Value™ of ₹30.85. GuruFocus considers India Home Loan to be Fairly Valued.

Key valuation signals for BOM:530979:

  • Cyclically Adjusted PB Ratio:
  • GF Value™: ₹30.85 vs. price of ₹30.41 (1.4% below fair value)
  • GF Score™: 52/100 with 5 warning signs

No single metric tells the full story. See the BOM:530979 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

India Home Loan Business Description

Address Jatashankar Dossa Road, 504/504A, 5th Floor, Nirmal Ecstasy, 5th Floor, Mulund (West), Mumbai, MH, IND, 400080
India Home Loan Ltd is a Non-deposit accepting Housing Finance Company. The company offers retail home loan products for affordable housing segments. Under this product, loans are offered to the customers for Purchase of home, home improvement, home extension and for construction of a dwelling unit on an owned plot of land. It specializes on loans to families in the self-employed category where formal income proofs aren't easily available and their repayment capacity is appraised based on their cash flows.
52GF Score

Get the complete analysis for BOM:530979

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

₹30.41
Price
₹30.85
GF Value