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Franklin Credit ManagementFCRM Cyclically Adjusted PB Ratio is 0.03 as of Jul. 22, 2026, which is 50% below its 10-year median of 0.06. The stock has 2 warning signs investors should review. Among 1,290 Banks companies, Franklin Credit Management ranks better than 99.3% on this metric.
The historical rank and industry rank for Franklin Credit Management's Cyclically Adjusted PB Ratio or its related term are showing as below:
FCRM'
s Cyclically Adjusted PB Ratio Range Over the Past 10 Years
Min: 0.01 Med: 0.06 Max: 0.2
Current: 0.03
During the past 11 years, Franklin Credit Management's highest Cyclically Adjusted PB Ratio was 0.20. The lowest was 0.01. And the median was 0.06.
FCRM's Cyclically Adjusted PB Ratio is ranked better than 99.3% of 1290
companies
in the Banks industry
Industry Median: 1.26
vs FCRM: 0.03
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.
Franklin Credit Management's adjusted book value per share data of for the fiscal year that ended in Dec25 was $0.494. 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 $1.12 for the trailing ten years ended in Dec25.
Shiller PE for Stocks: The True Measure of Stock Valuation
Franklin Credit Management (OTCPK:FCRM) 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.
Franklin Credit Management Cyclically Adjusted PB Ratio Related Terms
Franklin Credit Management Cyclically Adjusted PB Ratio Historical Data
* Premium members only.
The historical data trend for Franklin Credit Management'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.
Franklin Credit Management Cyclically Adjusted PB Ratio Chart
FCRM vs LFLS, RKT, FNMA: Cyclically Adjusted PB Ratio Comparison
For the Mortgage Finance subindustry, Franklin Credit Management'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.
Franklin Credit Management Cyclically Adjusted PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Franklin Credit Management's Cyclically Adjusted PB Ratio distribution charts can be found below:
* The bar in red indicates where Franklin Credit Management's Cyclically Adjusted PB Ratio falls into.
Franklin Credit Management 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.
* 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 0.03 mean?
Franklin Credit Management (FCRM) has a Cyclically Adjusted PB Ratio of 0.03 as of Jul. 22, 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 Franklin Credit Management and its competitors. This is 50% below median its historical median of 0.06. Over the past decade, Franklin Credit Management's Cyclically Adjusted PB Ratio has ranged from 0.01 to 0.20. According to the industry distribution chart, Franklin Credit Management ranks #9 out of 1290 companies in the Banks industry, placing it in the top 0.7%.
Is Franklin Credit Management's Cyclically Adjusted PB Ratio too high?
Franklin Credit Management's current Cyclically Adjusted PB Ratio of 0.03 is 50% below median its 10-year median of 0.06. Over the past 10 years, this metric has ranged from a low of 0.01 to a high of 0.20. The Banks industry median Cyclically Adjusted PB Ratio is 1.26. Franklin Credit Management's value of 0.03 is 97.6% below this industry median. Based on the distribution chart, Franklin Credit Management ranks #9 out of 1290 companies in the Banks industry, which is in the top quartile — a strong position relative to peers.
How does Franklin Credit Management's Cyclically Adjusted PB Ratio compare to LFLS and RKT?
According to the Banks industry distribution chart, Franklin Credit Management ranks #9 out of 1290 companies for Cyclically Adjusted PB Ratio. This places Franklin Credit Management in the top 1% of its industry — outperforming the majority of peers. The industry median Cyclically Adjusted PB Ratio is 1.26. Franklin Credit Management's value of 0.03 is 97.6% below this benchmark. Historically, Franklin Credit Management's own Cyclically Adjusted PB Ratio has ranged from 0.01 to 0.20 over the past decade. While the company's 10-year median is 0.06 vs. the industry median of 1.26, Franklin Credit Management has consistently been below 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 Banks company?
The median Cyclically Adjusted PB Ratio among Banks companies is 1.26, based on 1,290 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. Franklin Credit Management's current Cyclically Adjusted PB Ratio of 0.03 is 97.6% below 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 Franklin Credit Management and its competitors. For the Banks industry, the median Cyclically Adjusted PB Ratio is 1.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Franklin Credit Management's current Cyclically Adjusted PB Ratio is 0.03, which is 50% below median its own 10-year median of 0.06. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Franklin Credit Management stock overvalued right now?
Based on GuruFocus' analysis, Franklin Credit Management (FCRM) is currently considered Possible Value Trap. The stock's GF Value™ is $0.08, compared to a current price of $0.03 — trading 58.8% below its estimated fair value. The current Cyclically Adjusted PB Ratio is 0.03, which is 50% below median its 10-year median of 0.06 and 97.6% below the Banks industry median of 1.26. 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 Franklin Credit Management (FCRM), the current Cyclically Adjusted PB Ratio is 0.03 as of Jul. 22, 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.
Franklin Credit Management Corp is a specialty consumer finance company mainly in the servicing and resolution of performing, reperforming, nonperforming residential mortgage loans, including specialized loan recovery and collection servicing, and in the analysis, pricing and acquisition of residential mortgage portfolios for third parties. Its servicing operations including specialized loan recovery and collecting services, consist of a call letter staffed by professionals skilled in customer service, Collection, loan mitigation, foreclosure, bankruptcy, real estate property management, deficiency recovery and judgement processing.
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