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PT Capital Financial Indonesia TbkISX:CASA -2.96%43 Cyclically Adjusted PB Ratio is 13.98 as of Jul. 24, 2026, which is 33% above its 10-year median of 10.48. GuruFocus rates ISX:CASA with a GF Score™ of 43/100 and a GF Value™ of Rp754.23 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 416 Insurance companies, PT Capital Financial Indonesia Tbk ranks worse than 98.08% on this metric.
The historical rank and industry rank for PT Capital Financial Indonesia Tbk's Cyclically Adjusted PB Ratio or its related term are showing as below:
ISX:CASA'
s Cyclically Adjusted PB Ratio Range Over the Past 10 Years
Min: 7.6 Med: 10.48 Max: 15.53
Current: 14.02
During the past years, PT Capital Financial Indonesia Tbk's highest Cyclically Adjusted PB Ratio was 15.53. The lowest was 7.60. And the median was 10.48.
ISX:CASA's Cyclically Adjusted PB Ratio is ranked worse than 98.08% of 416
companies
in the Insurance industry
Industry Median: 1.39
vs ISX:CASA: 14.02
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.
PT Capital Financial Indonesia Tbk's adjusted book value per share data for the three months ended in Mar. 2026 was Rp148.842. 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 Rp128.77 for the trailing ten years ended in Mar. 2026.
Shiller PE for Stocks: The True Measure of Stock Valuation
PT Capital Financial Indonesia Tbk (ISX:CASA) 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.
PT Capital Financial Indonesia Tbk Cyclically Adjusted PB Ratio Related Terms
PT Capital Financial Indonesia Tbk Cyclically Adjusted PB Ratio Historical Data
* 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.
PT Capital Financial Indonesia Tbk Cyclically Adjusted PB Ratio Chart
ISX:CASA vs AFL, MET, PRU: Cyclically Adjusted PB Ratio Comparison
For the Insurance - Life subindustry, PT Capital Financial Indonesia Tbk'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.
PT Capital Financial Indonesia Tbk Cyclically Adjusted PB Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, PT Capital Financial Indonesia Tbk's Cyclically Adjusted PB Ratio distribution charts can be found below:
* The bar in red indicates where PT Capital Financial Indonesia Tbk's Cyclically Adjusted PB Ratio falls into.
PT Capital Financial Indonesia Tbk 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 13.98 mean?
PT Capital Financial Indonesia Tbk (ISX:CASA) has a Cyclically Adjusted PB Ratio of 13.98 as of Jul. 24, 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 PT Capital Financial Indonesia Tbk and its competitors. This is 33% above median its historical median of 10.48. Over the past decade, PT Capital Financial Indonesia Tbk's Cyclically Adjusted PB Ratio has ranged from 7.60 to 15.53. According to the industry distribution chart, PT Capital Financial Indonesia Tbk ranks #408 out of 416 companies in the Insurance industry, placing it in the top 98.1%.
Is PT Capital Financial Indonesia Tbk's Cyclically Adjusted PB Ratio too high?
PT Capital Financial Indonesia Tbk's current Cyclically Adjusted PB Ratio of 13.98 is 33% above median its 10-year median of 10.48. Over the past 10 years, this metric has ranged from a low of 7.60 to a high of 15.53. The Insurance industry median Cyclically Adjusted PB Ratio is 1.39. PT Capital Financial Indonesia Tbk's value of 13.98 is 905.8% above this industry median. Based on the distribution chart, PT Capital Financial Indonesia Tbk ranks #408 out of 416 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, PT Capital Financial Indonesia Tbk has a GF Score™ of 43/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PT Capital Financial Indonesia Tbk's Cyclically Adjusted PB Ratio compare to AFL and MET?
According to the Insurance industry distribution chart, PT Capital Financial Indonesia Tbk ranks #408 out of 416 companies for Cyclically Adjusted PB Ratio. This places PT Capital Financial Indonesia Tbk in the lower half of its industry. The industry median Cyclically Adjusted PB Ratio is 1.39. PT Capital Financial Indonesia Tbk's value of 13.98 is 905.8% above this benchmark. Historically, PT Capital Financial Indonesia Tbk's own Cyclically Adjusted PB Ratio has ranged from 7.60 to 15.53 over the past decade. While the company's 10-year median is 10.48 vs. the industry median of 1.39, PT Capital Financial Indonesia Tbk 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 an Insurance company?
The median Cyclically Adjusted PB Ratio among Insurance companies is 1.39, based on 416 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. PT Capital Financial Indonesia Tbk's current Cyclically Adjusted PB Ratio of 13.98 is 905.8% 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 PT Capital Financial Indonesia Tbk and its competitors. For the Insurance industry, the median Cyclically Adjusted PB Ratio is 1.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Capital Financial Indonesia Tbk's current Cyclically Adjusted PB Ratio is 13.98, which is 33% above median its own 10-year median of 10.48. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Capital Financial Indonesia Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Capital Financial Indonesia Tbk (ISX:CASA) is currently considered Significantly Overvalued. The stock's GF Value™ is Rp754.23, compared to a current price of Rp1,800.00 — trading 138.7% above its estimated fair value. The current Cyclically Adjusted PB Ratio is 13.98, which is 33% above median its 10-year median of 10.48 and 905.8% above the Insurance industry median of 1.39. PT Capital Financial Indonesia Tbk's overall GF Score™ is 43/100 with 7 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 PT Capital Financial Indonesia Tbk (ISX:CASA), the current Cyclically Adjusted PB Ratio is 13.98 as of Jul. 24, 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 PT Capital Financial Indonesia Tbk (ISX:CASA) Overvalued in 2026?
Based on GuruFocus' analysis, PT Capital Financial Indonesia Tbk stock appears to be overvalued.
The current stock price of Rp1,800.00 is trading 138.7% above its estimated GF Value™ of Rp754.23.
GuruFocus considers PT Capital Financial Indonesia Tbk to be Significantly Overvalued.
Key valuation signals for ISX:CASA:
Cyclically Adjusted PB Ratio: 13.98 (33% above median its 10-year median of 10.48)
GF Value™: Rp754.23 vs. price of Rp1,800.00 (138.7% above fair value)
Industry Position: 905.8% above the Insurance median (#408 of 416)
No single metric tells the full story. See the ISX:CASA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Capital Financial Indonesia Tbk Business Description
PT Capital Financial Indonesia Tbk is engaged in providing several investment and financial services mainly in Indonesia. It offers a wide range of banking products and services, fintech solutions, management consultancy, insurance products, and other financial solutions. The Group classifies its business activities into the following four business segments: Management consulting services, Investment management, Life insurance, Life insurance sharia, Banks, Ventura, and Others. The majority of its revenue is generated from the Life insurance segment, which focuses on providing protection solutions for individual and group segments, as well as pension fund programs (DPLK).
43GF Score
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