Comfort Fincap (BOM:535267) 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:535267 Comfort Fincap Ltd BOM:535267
71 GF Score
Price ₹7.58
GF Value ₹7.36
Valuation Fairly Valued
! 3 Warning Signs
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What is Comfort Fincap Cyclically Adjusted PB Ratio?

Shiller PE for Stocks: The True Measure of Stock Valuation


Comfort Fincap  (BOM:535267) 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.


Comfort Fincap Cyclically Adjusted PB Ratio Related Terms


Comfort Fincap Cyclically Adjusted PB Ratio Historical Data

* Premium members only.

The historical data trend for Comfort Fincap'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.

Comfort Fincap Cyclically Adjusted PB Ratio Chart

Comfort Fincap 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 0.64 1.10 1.08 0.92 0.67

Comfort Fincap 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 0.94 0.00 0.67 0.00

BOM:535267 vs V, MA, AXP: Cyclically Adjusted PB Ratio Comparison

For the Credit Services subindustry, Comfort Fincap'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.


Comfort Fincap Cyclically Adjusted PB Ratio vs Credit Services Industry

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

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


BOM:535267
71GF Score
Comfort Fincap Ltd BOM:535267
Cyclically Adjusted PB Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Comfort Fincap 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.

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

For example, Comfort Fincap'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.

Comfort Fincap Quarterly Data

Book Value per Share CPI Adj_Book
201609 4.976 105.961 7.859
201612 0.000 105.196 0.000
201703 5.079 105.196 8.080
201706 0.000 107.109 0.000
201709 5.284 109.021 8.111
201712 0.000 109.404 0.000
201803 6.094 109.786 9.290
201806 0.000 111.317 0.000
201809 0.000 115.142 0.000
201812 0.000 115.142 0.000
201903 6.536 118.202 9.254
201906 0.000 120.880 0.000
201909 6.908 123.175 9.386
201912 0.000 126.235 0.000
202003 6.745 124.705 9.052
202006 0.000 127.000 0.000
202009 7.227 130.118 9.295
202012 0.000 130.889 0.000
202103 7.515 131.771 9.545
202106 0.000 134.084 0.000
202109 7.971 135.847 9.820
202112 0.000 138.161 0.000
202203 8.331 138.822 10.043
202206 0.000 142.347 0.000
202209 8.819 144.661 10.203
202212 0.000 145.763 0.000
202303 9.195 146.865 10.478
202306 0.000 150.280 0.000
202309 9.810 151.492 10.837
202312 0.000 152.924 0.000
202403 10.139 153.035 11.088
202406 0.000 155.789 0.000
202409 10.586 157.882 11.221
202412 0.000 158.323 0.000
202503 10.854 157.552 11.530
202506 0.000 159.755 0.000
202509 10.866 162.289 11.205
202512 0.000 163.281 0.000
202603 11.130 164.272 11.339
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 Comfort Fincap (BOM:535267) Overvalued in 2026?

Based on GuruFocus' analysis, Comfort Fincap stock appears to be overvalued. The current stock price of ₹7.58 is trading 3% above its estimated GF Value™ of ₹7.36. GuruFocus considers Comfort Fincap to be Fairly Valued.

Key valuation signals for BOM:535267:

  • Cyclically Adjusted PB Ratio:
  • GF Value™: ₹7.36 vs. price of ₹7.58 (3% above fair value)
  • GF Score™: 71/100 with 3 warning signs

No single metric tells the full story. See the BOM:535267 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Comfort Fincap Business Description

Address S. V. Road, A Wing, Hetal Arch, 301, 3rd Floor, Opposite Natraj Market, Malad (West), Mumbai, MH, IND, 400064
Comfort Fincap Ltd is an India-based non-banking financial company. It provides various financial solutions to commercial, industrial, and financial clients. Its offerings include advancing loans against listed shares, securities, and properties, corporate loans, personal loans, trade financing, promoter funding, IPO (initial public offering) financing, bills discounting, margin funding, trading in shares and securities, and arbitrage business in stock and commodity markets. It generates revenue in the form of professional fees and interest income received from loans and advances and term deposits.
71GF Score

Get the complete analysis for BOM:535267

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

₹7.58
Price
₹7.36
GF Value