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Al Manar Financing & Leasing Co (KUW:ALMANAR) 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.
Al Manar Financing & Leasing Co Cyclically Adjusted PB Ratio Related Terms
Al Manar Financing & Leasing Co 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.
Al Manar Financing & Leasing Co Cyclically Adjusted PB Ratio Chart
KUW:ALMANAR vs V, MA, AXP: Cyclically Adjusted PB Ratio Comparison
For the Credit Services subindustry, Al Manar Financing & Leasing Co'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.
Al Manar Financing & Leasing Co Cyclically Adjusted PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Al Manar Financing & Leasing Co's Cyclically Adjusted PB Ratio distribution charts can be found below:
* The bar in red indicates where Al Manar Financing & Leasing Co's Cyclically Adjusted PB Ratio falls into.
Al Manar Financing & Leasing Co 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.
Al Manar Financing & Leasing Co does not have a history long enough to calculate Cyclically Adjusted Book per Share. Therefore GuruFocus does not calculate Cyclically Adjusted PB Ratio for this company.
What does a Cyclically Adjusted PB Ratio of 0.79 mean?
Al Manar Financing & Leasing Co (KUW:ALMANAR) has a Cyclically Adjusted PB Ratio of 0.79 as of Sep. 15, 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 Al Manar Financing & Leasing Co and its competitors. According to the industry distribution chart, Al Manar Financing & Leasing Co ranks #999999 out of 258 companies in the Credit Services industry.
Is Al Manar Financing & Leasing Co's Cyclically Adjusted PB Ratio too high?
Al Manar Financing & Leasing Co's current Cyclically Adjusted PB Ratio is 0.79. The Credit Services industry median Cyclically Adjusted PB Ratio is 0.84. Al Manar Financing & Leasing Co's value of 0.79 is 5.4% below this industry median. Based on the distribution chart, Al Manar Financing & Leasing Co ranks #999999 out of 258 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Al Manar Financing & Leasing Co has a GF Score™ of 35/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Al Manar Financing & Leasing Co's Cyclically Adjusted PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Al Manar Financing & Leasing Co ranks #999999 out of 258 companies for Cyclically Adjusted PB Ratio. This places Al Manar Financing & Leasing Co in the lower half of its industry. The industry median Cyclically Adjusted PB Ratio is 0.84. Al Manar Financing & Leasing Co's value of 0.79 is 5.4% below this benchmark. 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 0.84, based on 258 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. Al Manar Financing & Leasing Co's current Cyclically Adjusted PB Ratio of 0.79 is 5.4% 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 Al Manar Financing & Leasing Co and its competitors. For the Credit Services industry, the median Cyclically Adjusted PB Ratio is 0.84 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Al Manar Financing & Leasing Co's current Cyclically Adjusted PB Ratio is 0.79. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Al Manar Financing & Leasing Co stock overvalued right now?
Based on GuruFocus' analysis, Al Manar Financing & Leasing Co (KUW:ALMANAR) is currently considered Modestly Overvalued. The stock's GF Value™ is KWD0.10, compared to a current price of KWD0.12 — trading 17% above its estimated fair value. The current Cyclically Adjusted PB Ratio is 0.79 and 5.4% below the Credit Services industry median of 0.84. Al Manar Financing & Leasing Co's overall GF Score™ is 35/100 with 5 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 Al Manar Financing & Leasing Co (KUW:ALMANAR), the current Cyclically Adjusted PB Ratio is 0.79 as of Sep. 15, 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 Al Manar Financing & Leasing Co (KUW:ALMANAR) Overvalued in 2026?
Based on GuruFocus' analysis, Al Manar Financing & Leasing Co stock appears to be overvalued.
The current stock price of KWD0.12 is trading 17% above its estimated GF Value™ of KWD0.10.
GuruFocus considers Al Manar Financing & Leasing Co to be Modestly Overvalued.
Key valuation signals for KUW:ALMANAR:
Cyclically Adjusted PB Ratio: 0.79
GF Value™: KWD0.10 vs. price of KWD0.12 (17% above fair value)
Industry Position: 5.4% below the Credit Services median (#999999 of 258)
No single metric tells the full story. See the KUW:ALMANAR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Al Manar Financing & Leasing Co is Kuwait based company that operates as an Islamic financing institution. It provides all credit facilities, Leasing services, and investments in Real estate, Industrial, Agricultural, and Economic sectors. Its operating segments are Finance, Investments, and others. The majority of its revenue comes from the Finance segment.
35GF Score
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