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.
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.
VCredit HoldingsFRA:5R6 +8.00%21 Cyclically Adjusted PB Ratio is 0.15 as of Aug. 07, 2026, which is 71% below its 10-year median of 0.52. GuruFocus rates FRA:5R6 with a GF Score™ of 21/100 and a GF Value™ of €0.06 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 382 Credit Services companies, VCredit Holdings ranks better than 93.19% on this metric.
The historical rank and industry rank for VCredit Holdings's Cyclically Adjusted PB Ratio or its related term are showing as below:
FRA:5R6'
s Cyclically Adjusted PB Ratio Range Over the Past 10 Years
Min: 0.14 Med: 0.52 Max: 0.86
Current: 0.15
During the past 11 years, VCredit Holdings's highest Cyclically Adjusted PB Ratio was 0.86. The lowest was 0.14. And the median was 0.52.
FRA:5R6's Cyclically Adjusted PB Ratio is ranked better than 93.19% of 382
companies
in the Credit Services industry
Industry Median: 0.935
vs FRA:5R6: 0.15
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.
VCredit Holdings's adjusted book value per share data of for the fiscal year that ended in Dec25 was €0.986. 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 €0.62 for the trailing ten years ended in Dec25.
Shiller PE for Stocks: The True Measure of Stock Valuation
VCredit Holdings (FRA:5R6) 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.
VCredit Holdings Cyclically Adjusted PB Ratio Related Terms
VCredit Holdings Cyclically Adjusted PB Ratio Historical Data
* Premium members only.
The historical data trend for VCredit Holdings'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.
VCredit Holdings Cyclically Adjusted PB Ratio Chart
FRA:5R6 vs V, MA, AXP: Cyclically Adjusted PB Ratio Comparison
For the Credit Services subindustry, VCredit Holdings'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.
VCredit Holdings Cyclically Adjusted PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, VCredit Holdings's Cyclically Adjusted PB Ratio distribution charts can be found below:
* The bar in red indicates where VCredit Holdings's Cyclically Adjusted PB Ratio falls into.
VCredit Holdings 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.
VCredit Holdings'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 0.15 mean?
VCredit Holdings (FRA:5R6) has a Cyclically Adjusted PB Ratio of 0.15 as of Aug. 07, 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 VCredit Holdings and its competitors. This is 71% below median its historical median of 0.52. Over the past decade, VCredit Holdings' Cyclically Adjusted PB Ratio has ranged from 0.14 to 0.86. According to the industry distribution chart, VCredit Holdings ranks #26 out of 382 companies in the Credit Services industry, placing it in the top 6.8%.
Is VCredit Holdings' Cyclically Adjusted PB Ratio too high?
VCredit Holdings' current Cyclically Adjusted PB Ratio of 0.15 is 71% below median its 10-year median of 0.52. Over the past 10 years, this metric has ranged from a low of 0.14 to a high of 0.86. The Credit Services industry median Cyclically Adjusted PB Ratio is 0.94. VCredit Holdings' value of 0.15 is 84% below this industry median. Based on the distribution chart, VCredit Holdings ranks #26 out of 382 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, VCredit Holdings has a GF Score™ of 21/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does VCredit Holdings' Cyclically Adjusted PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, VCredit Holdings ranks #26 out of 382 companies for Cyclically Adjusted PB Ratio. This places VCredit Holdings in the top 7% of its industry — outperforming the majority of peers. The industry median Cyclically Adjusted PB Ratio is 0.94. VCredit Holdings' value of 0.15 is 84% below this benchmark. Historically, VCredit Holdings' own Cyclically Adjusted PB Ratio has ranged from 0.14 to 0.86 over the past decade. While the company's 10-year median is 0.52 vs. the industry median of 0.94, VCredit Holdings 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 Credit Services company?
The median Cyclically Adjusted PB Ratio among Credit Services companies is 0.94, based on 382 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. VCredit Holdings's current Cyclically Adjusted PB Ratio of 0.15 is 84% 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 VCredit Holdings and its competitors. For the Credit Services industry, the median Cyclically Adjusted PB Ratio is 0.94 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. VCredit Holdings's current Cyclically Adjusted PB Ratio is 0.15, which is 71% below median its own 10-year median of 0.52. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is VCredit Holdings stock overvalued right now?
Based on GuruFocus' analysis, VCredit Holdings (FRA:5R6) is currently considered Significantly Overvalued. The stock's GF Value™ is €0.06, compared to a current price of €0.09 — trading 57.5% above its estimated fair value. The current Cyclically Adjusted PB Ratio is 0.15, which is 71% below median its 10-year median of 0.52 and 84% below the Credit Services industry median of 0.94. VCredit Holdings' overall GF Score™ is 21/100 with 3 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 VCredit Holdings (FRA:5R6), the current Cyclically Adjusted PB Ratio is 0.15 as of Aug. 07, 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 VCredit Holdings (FRA:5R6) Overvalued in 2026?
Based on GuruFocus' analysis, VCredit Holdings stock appears to be overvalued.
The current stock price of €0.09 is trading 57.5% above its estimated GF Value™ of €0.06.
GuruFocus considers VCredit Holdings to be Significantly Overvalued.
Key valuation signals for FRA:5R6:
Cyclically Adjusted PB Ratio: 0.15 (71% below median its 10-year median of 0.52)
GF Value™: €0.06 vs. price of €0.09 (57.5% above fair value)
Industry Position: 84% below the Credit Services median (#26 of 382)
No single metric tells the full story. See the FRA:5R6 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
VCredit Holdings Ltd is an investment holding company and has one operating segment. The Group is a technology-driven consumer financial service provider in the People's Republic of China. The Group offers tailored consumer finance products to prime and near-prime borrowers who are underserved by traditional financial institutions. The Group also offers consumer finance products by facilitating transactions between borrowers and financial institutions. The company generates the majority of its revenue from Interest and similar income.
21GF Score
Get the complete analysis for FRA:5R6
Cyclically Adjusted PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:5R6 has been successfully added to your 
