Gilada Finance & Investments (BOM:538788) Cyclically Adjusted PB Ratio: (As of Sep. 21, 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.
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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:538788 Gilada Finance & Investments Ltd BOM:538788
79 GF Score
Price ₹12.35
GF Value ₹15.16
Valuation Modestly Undervalued
! 5 Warning Signs
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What is Gilada Finance & Investments Cyclically Adjusted PB Ratio?

Shiller PE for Stocks: The True Measure of Stock Valuation


Gilada Finance & Investments  (BOM:538788) 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.


Gilada Finance & Investments Cyclically Adjusted PB Ratio Related Terms


Gilada Finance & Investments Cyclically Adjusted PB Ratio Historical Data

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The historical data trend for Gilada Finance & Investments'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.

Gilada Finance & Investments Cyclically Adjusted PB Ratio Chart

Gilada Finance & Investments 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 - - - - 0.71

Gilada Finance & Investments 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 - - - 0.71 0.82

BOM:538788 vs V, MA, AXP: Cyclically Adjusted PB Ratio Comparison

For the Credit Services subindustry, Gilada Finance & Investments'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.


Gilada Finance & Investments Cyclically Adjusted PB Ratio vs Credit Services Industry

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

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


BOM:538788
79GF Score
Gilada Finance & Investments Ltd BOM:538788
Cyclically Adjusted PB Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Gilada Finance & Investments 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.

Gilada Finance & Investments's Cyclically Adjusted Book per Share for the fiscal year that ended in Mar26 is calculated as:

For example, Gilada Finance & Investments's adjusted Book Value per Share data for the fiscal year that ended in Mar26 was:

Adj_Book=Book Value per Share/CPI of Mar26 (Change)*Current CPI (Mar26)
=18.628/164.2724*164.2724
=18.628

Current CPI (Mar26) = 164.2724.

Gilada Finance & Investments Annual Data

Book Value per Share CPI Adj_Book
201703 10.356 105.196 16.172
201803 11.702 109.786 17.510
201903 11.971 118.202 16.637
202003 12.636 124.705 16.645
202103 13.335 131.771 16.624
202203 14.245 138.822 16.857
202303 14.443 146.865 16.155
202403 15.657 153.035 16.807
202503 17.080 157.552 17.809
202603 18.628 164.272 18.628

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 Gilada Finance & Investments (BOM:538788) Overvalued in 2026?

Based on GuruFocus' analysis, Gilada Finance & Investments stock appears to be undervalued. The current stock price of ₹12.35 is trading 18.5% below its estimated GF Value™ of ₹15.16. GuruFocus considers Gilada Finance & Investments to be Modestly Undervalued.

Key valuation signals for BOM:538788:

  • Cyclically Adjusted PB Ratio:
  • GF Value™: ₹15.16 vs. price of ₹12.35 (18.5% below fair value)
  • GF Score™: 79/100 with 5 warning signs

No single metric tells the full story. See the BOM:538788 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Gilada Finance & Investments Business Description

Address 37, Bhoopsandra Main Road, No. 105, R.R. Takt, Sanjaynagar, Bengaluru, IND, 560094
Gilada Finance & Investments Ltd is an India based company. The business operates in one segment which is Vehicle small business loans and mortgage loans. The service line of the company consists of hire purchase, leasing, mortgage loans, short-term finance, and loan syndication. The company receives maximum revenue from finance charges on hypothecated loans. Geographically, the company offers its services only in India.
79GF Score

Get the complete analysis for BOM:538788

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

₹12.35
Price
₹15.16
GF Value