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United FinanceDHA:UNITEDFIN -1.55%60 Cyclically Adjusted PB Ratio is 0.95 as of Aug. 12, 2026, which is 30% above its 10-year median of 0.73. GuruFocus rates DHA:UNITEDFIN with a GF Score™ of 60/100 and a GF Value™ of BDT13.66 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 381 Credit Services companies, United Finance ranks better than 50.66% on this metric.
The historical rank and industry rank for United Finance's Cyclically Adjusted PB Ratio or its related term are showing as below:
DHA:UNITEDFIN'
s Cyclically Adjusted PB Ratio Range Over the Past 10 Years
Min: 0.47 Med: 0.73 Max: 0.96
Current: 0.96
During the past years, United Finance's highest Cyclically Adjusted PB Ratio was 0.96. The lowest was 0.47. And the median was 0.73.
DHA:UNITEDFIN's Cyclically Adjusted PB Ratio is ranked better than 50.66% of 381
companies
in the Credit Services industry
Industry Median: 0.91
vs DHA:UNITEDFIN: 0.96
The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.
United Finance's adjusted book value per share data for the three months ended in Jun. 2026 was BDT17.168. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is BDT20.15 for the trailing ten years ended in Jun. 2026.
Shiller PE for Stocks: The True Measure of Stock Valuation
United Finance (DHA:UNITEDFIN) 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.
United Finance Cyclically Adjusted PB Ratio Related Terms
United Finance Cyclically Adjusted PB Ratio Historical Data
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The historical data trend for United 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.
DHA:UNITEDFIN vs V, MA, AXP: Cyclically Adjusted PB Ratio Comparison
For the Credit Services subindustry, United 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.
United Finance Cyclically Adjusted PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, United Finance's Cyclically Adjusted PB Ratio distribution charts can be found below:
* The bar in red indicates where United Finance's Cyclically Adjusted PB Ratio falls into.
United 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.
United Finance's Cyclically Adjusted PB Ratio for today is calculated as
* 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.
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.
What does a Cyclically Adjusted PB Ratio of 0.95 mean?
United Finance (DHA:UNITEDFIN) has a Cyclically Adjusted PB Ratio of 0.95 as of Aug. 12, 2026. Cyclically Adjusted PB Ratio is the ratio of share price to a company's inflation-adjusted book value per share over a 10-year period. View historical data on United Finance and its competitors. This is 30% above median its historical median of 0.73. Over the past decade, United Finance's Cyclically Adjusted PB Ratio has ranged from 0.47 to 0.96. According to the industry distribution chart, United Finance ranks #188 out of 381 companies in the Credit Services industry, placing it in the top 49.3%.
Is United Finance's Cyclically Adjusted PB Ratio too high?
United Finance's current Cyclically Adjusted PB Ratio of 0.95 is 30% above median its 10-year median of 0.73. Over the past 10 years, this metric has ranged from a low of 0.47 to a high of 0.96. The Credit Services industry median Cyclically Adjusted PB Ratio is 0.91. United Finance's value of 0.95 is 4.4% above this industry median. Based on the distribution chart, United Finance ranks #188 out of 381 companies in the Credit Services industry, which is above the industry midpoint. Overall, United Finance has a GF Score™ of 60/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does United Finance's Cyclically Adjusted PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, United Finance ranks #188 out of 381 companies for Cyclically Adjusted PB Ratio. This puts United Finance in the upper half of its industry. The industry median Cyclically Adjusted PB Ratio is 0.91. United Finance's value of 0.95 is 4.4% above this benchmark. Historically, United Finance's own Cyclically Adjusted PB Ratio has ranged from 0.47 to 0.96 over the past decade. While the company's 10-year median is 0.73 vs. the industry median of 0.91, United Finance has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted PB Ratio for a Credit Services company?
The median Cyclically Adjusted PB Ratio among Credit Services companies is 0.91, based on 381 companies in the industry. Companies in the top quartile (top 25%) have a Cyclically Adjusted PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cyclically Adjusted PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Finance's current Cyclically Adjusted PB Ratio of 0.95 is 4.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted PB Ratio mean?
A high Cyclically Adjusted PB Ratio can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted PB Ratio is the ratio of share price to a company's inflation-adjusted book value per share over a 10-year period. View historical data on United Finance and its competitors. For the Credit Services industry, the median Cyclically Adjusted PB Ratio is 0.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Finance's current Cyclically Adjusted PB Ratio is 0.95, which is 30% above median its own 10-year median of 0.73. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is United Finance stock overvalued right now?
Based on GuruFocus' analysis, United Finance (DHA:UNITEDFIN) is currently considered Significantly Overvalued. The stock's GF Value™ is BDT13.66, compared to a current price of BDT19.10 — trading 39.8% above its estimated fair value. The current Cyclically Adjusted PB Ratio is 0.95, which is 30% above median its 10-year median of 0.73 and 4.4% above the Credit Services industry median of 0.91. United Finance's overall GF Score™ is 60/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted PB Ratio calculated?
Cyclically Adjusted PB Ratio is calculated from a company's financial statements. For United Finance (DHA:UNITEDFIN), the current Cyclically Adjusted PB Ratio is 0.95 as of Aug. 12, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is United Finance (DHA:UNITEDFIN) Overvalued in 2026?
Based on GuruFocus' analysis, United Finance stock appears to be overvalued.
The current stock price of BDT19.10 is trading 39.8% above its estimated GF Value™ of BDT13.66.
GuruFocus considers United Finance to be Significantly Overvalued.
Key valuation signals for DHA:UNITEDFIN:
Cyclically Adjusted PB Ratio: 0.95 (30% above median its 10-year median of 0.73)
GF Value™: BDT13.66 vs. price of BDT19.10 (39.8% above fair value)
Industry Position: 4.4% above the Credit Services median (#188 of 381)
No single metric tells the full story. See the DHA:UNITEDFIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
United Finance PLC is a financial services company. The company provides financial services which includes lease finance for acquiring assets for industrial and commercial use; term loans for meeting long-term funding requirements; short-term working capital solutions and home loans. The company provides services like Deposits, Working Capital and Term Financing. It is engaged in five segments: Corporates, SMEs, Retail Borrowers, Depositors, and Investors.
60GF Score
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Cyclically Adjusted PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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