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51 Credit Card (HKSE:02051) Cyclically Adjusted PB Ratio : 35.50 (As of May. 31, 2025)


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What is 51 Credit Card Cyclically Adjusted PB Ratio?

As of today (2025-05-31), 51 Credit Card's current share price is HK$0.355. 51 Credit Card's Cyclically Adjusted Book per Share for the fiscal year that ended in Dec24 was HK$0.01. 51 Credit Card's Cyclically Adjusted PB Ratio for today is 35.50.

The historical rank and industry rank for 51 Credit Card's Cyclically Adjusted PB Ratio or its related term are showing as below:

HKSE:02051' s Cyclically Adjusted PB Ratio Range Over the Past 10 Years
Min: 22.5   Med: 24.75   Max: 64.91
Current: 64.91

During the past 10 years, 51 Credit Card's highest Cyclically Adjusted PB Ratio was 64.91. The lowest was 22.50. And the median was 24.75.

HKSE:02051's Cyclically Adjusted PB Ratio is ranked worse than
99.68% of 313 companies
in the Credit Services industry
Industry Median: 1.01 vs HKSE:02051: 64.91

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.

51 Credit Card's adjusted book value per share data of for the fiscal year that ended in Dec24 was HK$0.526. 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 HK$0.01 for the trailing ten years ended in Dec24.

Shiller PE for Stocks: The True Measure of Stock Valuation


51 Credit Card Cyclically Adjusted PB Ratio Historical Data

The historical data trend for 51 Credit Card'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.

* Premium members only.

51 Credit Card Cyclically Adjusted PB Ratio Chart

51 Credit Card Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Cyclically Adjusted PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only - - - - 43.88

51 Credit Card Semi-Annual Data
Dec15 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24
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 - - - - 43.88

Competitive Comparison of 51 Credit Card's Cyclically Adjusted PB Ratio

For the Credit Services subindustry, 51 Credit Card'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.


51 Credit Card's Cyclically Adjusted PB Ratio Distribution in the Credit Services Industry

For the Credit Services industry and Financial Services sector, 51 Credit Card's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where 51 Credit Card's Cyclically Adjusted PB Ratio falls into.


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51 Credit Card 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.

51 Credit Card's Cyclically Adjusted PB Ratio for today is calculated as

Cyclically Adjusted PB Ratio=Share Price/ Cyclically Adjusted Book per Share
=0.355/0.01
=35.50

* 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.

51 Credit Card's Cyclically Adjusted Book per Share for the fiscal year that ended in Dec24 is calculated as:

For example, 51 Credit Card's adjusted Book Value per Share data for the fiscal year that ended in Dec24 was:

Adj_Book=Book Value per Share/CPI of Dec24 (Change)*Current CPI (Dec24)
=0.526/114.8925*114.8925
=0.526

Current CPI (Dec24) = 114.8925.

51 Credit Card Annual Data

Book Value per Share CPI Adj_Book
201512 -0.843 100.600 -0.963
201612 -2.922 102.600 -3.272
201712 -4.577 104.500 -5.032
201812 3.356 106.500 3.620
201912 2.355 111.200 2.433
202012 0.846 111.500 0.872
202112 0.690 113.108 0.701
202212 0.586 115.116 0.585
202312 0.584 114.781 0.585
202412 0.526 114.893 0.526

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.


51 Credit Card  (HKSE:02051) 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.


51 Credit Card Cyclically Adjusted PB Ratio Related Terms

Thank you for viewing the detailed overview of 51 Credit Card's Cyclically Adjusted PB Ratio provided by GuruFocus.com. Please click on the following links to see related term pages.


51 Credit Card Business Description

Traded in Other Exchanges
N/A
Address
No. 588 Wenyi West Road, Building B3, CECEP Xixi Cente, Xihu District, Zhejiang, Hangzhou, CHN
51 Credit Card Inc is an investment holding company. Along with its subsidiaries, the company is principally engaged in the provision of financial technology services and SaaS services in the People's Republic of China. The Group has three reportable segments: Credit card facilitation and technology services, SaaS Business and Camping services. It operates in Mainland China.
Executives
Sun Haitao 2501 Other
Wang Yonghua 2201 Interest of corporation controlled by you
Shen Zhen Shi Tian Tu Tou Zi Guan Li Gu Fen You Xian Gong Si 2201 Interest of corporation controlled by you
Tiantu Investments Limited 2101 Beneficial owner
Qu Zhou Zhi Na Qi Ye Guan Li You Xian Gong Si 2201 Interest of corporation controlled by you
Qu Zhou Zhi Bao Qi Ye Guan Li He Huo Qi Ye You Xian He Huo 2201 Interest of corporation controlled by you
Qu Zhou Gong Ye Kong Gu Ji Tuan You Xian Gong Si 2201 Interest of corporation controlled by you
Qu Zhou Gong Ye Fa Zhan Ji Tuan You Xian Gong Si 2201 Interest of corporation controlled by you
Qu Zhou Xin An Fa Zhan Gu Fen You Xian Gong Si 2201 Interest of corporation controlled by you
Tai Xin Kong Gu You Xian Gong Si 2101 Beneficial owner
Tai Chang Tou Zi You Xian Gong Si 2101 Beneficial owner
Xiang Gang Xin Hu Tou Zi You Xian Gong Si 2201 Interest of corporation controlled by you
51 Award Limited 2306 Nominee for another person
Tmf (cayman) Ltd. 2301 Trustee
Wukong Ltd. 2501 Other

51 Credit Card Headlines

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