Qgo Finance (BOM:538646) Cyclically Adjusted PB Ratio: (As of Aug. 29, 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:538646 Qgo Finance Ltd BOM:538646
72 GF Score
Price ₹40.01
GF Value ₹74.77
Valuation Possible Value Trap
! 2 Warning Signs
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What is Qgo Finance Cyclically Adjusted PB Ratio?

Shiller PE for Stocks: The True Measure of Stock Valuation


Qgo Finance  (BOM:538646) 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.


Qgo Finance Cyclically Adjusted PB Ratio Related Terms


Qgo Finance Cyclically Adjusted PB Ratio Historical Data

* Premium members only.

The historical data trend for Qgo Finance'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.

Qgo Finance Cyclically Adjusted PB Ratio Chart

Qgo Finance 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 0.00 0.00 3.09 3.13 1.77

Qgo Finance 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 2.02 0.00 1.77 0.00

BOM:538646 vs V, MA, AXP: Cyclically Adjusted PB Ratio Comparison

For the Credit Services subindustry, Qgo Finance'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.


Qgo Finance Cyclically Adjusted PB Ratio vs Credit Services Industry

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

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


BOM:538646
72GF Score
Qgo Finance Ltd BOM:538646
Cyclically Adjusted PB Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Qgo Finance 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.

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

For example, Qgo Finance'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.

Qgo Finance Quarterly Data

Book Value per Share CPI Adj_Book
201609 13.221 105.961 20.882
201612 0.000 105.196 0.000
201703 13.098 105.196 20.838
201706 0.000 107.109 0.000
201709 13.219 109.021 20.292
201712 0.000 109.404 0.000
201803 13.217 109.786 20.148
201806 0.000 111.317 0.000
201809 11.755 115.142 17.086
201812 0.000 115.142 0.000
201903 12.433 118.202 17.603
201906 0.000 120.880 0.000
201909 12.962 123.175 17.611
201912 0.000 126.235 0.000
202003 13.588 124.705 18.235
202006 0.000 127.000 0.000
202009 14.230 130.118 18.303
202012 14.557 130.889 18.613
202103 14.908 131.771 18.934
202106 15.279 134.084 19.070
202109 15.717 135.847 19.363
202112 16.192 138.161 19.614
202203 16.666 138.822 20.092
202206 17.206 142.347 20.229
202209 17.776 144.661 20.565
202212 18.299 145.763 21.010
202303 18.845 146.865 21.475
202306 19.493 150.280 21.708
202309 20.244 151.492 22.364
202312 21.089 152.924 23.079
202403 22.208 153.035 24.286
202406 23.332 155.789 25.065
202409 24.280 157.882 25.737
202412 0.000 158.323 0.000
202503 26.047 157.552 27.668
202506 0.000 159.755 0.000
202509 28.083 162.289 28.960
202512 0.000 163.281 0.000
202603 30.413 164.272 30.984
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 Qgo Finance (BOM:538646) Overvalued in 2026?

Based on GuruFocus' analysis, Qgo Finance stock appears to be undervalued. The current stock price of ₹40.01 is trading 46.5% below its estimated GF Value™ of ₹74.77. GuruFocus considers Qgo Finance to be Possible Value Trap.

Key valuation signals for BOM:538646:

  • Cyclically Adjusted PB Ratio:
  • GF Value™: ₹74.77 vs. price of ₹40.01 (46.5% below fair value)
  • GF Score™: 72/100 with 2 warning signs

No single metric tells the full story. See the BOM:538646 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Qgo Finance Business Description

Address TTC Industrial Area, 3rd Floor, A-514, MIDC, Mahape, Navi Mumbai, Thane, MH, IND, 400701
Qgo Finance Ltd is a Non-Banking Finance Company. It offers business loans, project finance loans, personal loans, and gold loans among others. The firm derives revenue in the form of interest from financial services provided. Geographically, the company operates in India. The company also provides services such as consultancy and advisory services, service/funding for Project loan, and peripheral tier-I satellite cities (presently in MMR).
72GF Score

Get the complete analysis for BOM:538646

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

₹40.01
Price
₹74.77
GF Value