UniCap Investment And FinanceKC (KUW:UNICAP) Cyclically Adjusted PB Ratio: 2.52 (As of Aug. 22, 2026) — 177% Above Median

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KUW:UNICAP UniCap Investment And Finance SAKC KUW:UNICAP
26 GF Score
Price KWD0.28
GF Value KWD0.28
Valuation Fairly Valued
! 5 Warning Signs
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What is UniCap Investment And FinanceKC Cyclically Adjusted PB Ratio?

UniCap Investment And FinanceKC KUW:UNICAP +1.09% 26 Cyclically Adjusted PB Ratio is 2.52 as of Aug. 22, 2026, which is 177% above its 10-year median of 0.91. GuruFocus rates KUW:UNICAP with a GF Score™ of 26/100 and a GF Value™ of KWD0.28 (Fairly Valued). The stock has 5 warning signs investors should review. Among 81 Diversified Financial Services companies, UniCap Investment And FinanceKC ranks worse than 74.07% on this metric.

As of today (2026-08-22), UniCap Investment And FinanceKC's current share price is KWD0.277. UniCap Investment And FinanceKC's Cyclically Adjusted Book per Share for the quarter that ended in May. 2026 was KWD0.11. UniCap Investment And FinanceKC's Cyclically Adjusted PB Ratio for today is 2.52.

The historical rank and industry rank for UniCap Investment And FinanceKC's Cyclically Adjusted PB Ratio or its related term are showing as below:

KUW:UNICAP' s Cyclically Adjusted PB Ratio Range Over the Past 10 Years
Min: 0.38   Med: 0.91   Max: 3.5
Current: 2.52

During the past years, UniCap Investment And FinanceKC's highest Cyclically Adjusted PB Ratio was 3.50. The lowest was 0.38. And the median was 0.91.

KUW:UNICAP's Cyclically Adjusted PB Ratio is ranked worse than
74.07% of 81 companies
in the Diversified Financial Services industry
Industry Median: 1.25 vs KUW:UNICAP: 2.52

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.

UniCap Investment And FinanceKC's adjusted book value per share data for the three months ended in May. 2026 was KWD0.081. 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 KWD0.11 for the trailing ten years ended in May. 2026.

Shiller PE for Stocks: The True Measure of Stock Valuation


UniCap Investment And FinanceKC  (KUW:UNICAP) 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.


UniCap Investment And FinanceKC Cyclically Adjusted PB Ratio Related Terms


UniCap Investment And FinanceKC Cyclically Adjusted PB Ratio Historical Data

* Premium members only.

The historical data trend for UniCap Investment And FinanceKC'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.

UniCap Investment And FinanceKC Cyclically Adjusted PB Ratio Chart

UniCap Investment And FinanceKC Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Aug23 Aug24 Aug25
Cyclically Adjusted PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.69 0.40 1.89 3.30

UniCap Investment And FinanceKC Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Nov22 Feb23 May23 Aug23 Nov23 Feb24 May24 Aug24 Nov24 Feb25 May25 Aug25 Nov25 Feb26 May26
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 Premium Member Only Premium Member Only 3.32 3.30 3.00 2.78 2.61

KUW:UNICAP vs FRHC, VOYA: Cyclically Adjusted PB Ratio Comparison

For the Financial Conglomerates subindustry, UniCap Investment And FinanceKC'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.


UniCap Investment And FinanceKC Cyclically Adjusted PB Ratio vs Diversified Financial Services Industry

For the Diversified Financial Services industry and Financial Services sector, UniCap Investment And FinanceKC's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where UniCap Investment And FinanceKC's Cyclically Adjusted PB Ratio falls into.


KUW:UNICAP
26GF Score
UniCap Investment And Finance SAKC KUW:UNICAP
Cyclically Adjusted PB Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

UniCap Investment And FinanceKC 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.

UniCap Investment And FinanceKC's Cyclically Adjusted PB Ratio for today is calculated as

Cyclically Adjusted PB Ratio=Share Price/ Cyclically Adjusted Book per Share
=0.277/0.11
=2.52

* 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.

UniCap Investment And FinanceKC's Cyclically Adjusted Book per Share for the quarter that ended in May. 2026 is calculated as:

For example, UniCap Investment And FinanceKC's adjusted Book Value per Share data for the three months ended in May. 2026 was:

Adj_Book=Book Value per Share/CPI of May. 2026 (Change)*Current CPI (May. 2026)
=0.081/335.1230*335.1230
=0.081

Current CPI (May. 2026) = 335.1230.

UniCap Investment And FinanceKC Quarterly Data

Book Value per Share CPI Adj_Book
201606 0.104 241.018 0.145
201609 0.101 241.428 0.140
201612 0.105 241.432 0.146
201703 0.108 243.801 0.148
201706 0.000 244.955 0.000
201709 0.111 246.819 0.151
201712 0.111 246.524 0.151
201803 0.110 249.554 0.148
201806 0.116 251.989 0.154
201809 0.115 252.439 0.153
201812 0.101 251.233 0.135
201903 0.098 254.202 0.129
201906 0.098 256.143 0.128
201909 0.095 256.759 0.124
201912 0.099 256.974 0.129
202003 0.093 258.115 0.121
202006 0.076 257.797 0.099
202009 0.080 260.280 0.103
202012 0.076 260.474 0.098
202103 0.075 264.877 0.095
202106 0.088 271.696 0.109
202109 0.083 274.310 0.101
202112 0.072 278.802 0.087
202203 0.091 287.504 0.106
202206 0.090 296.311 0.102
202211 0.087 297.711 0.098
202302 0.088 300.840 0.098
202305 0.088 304.127 0.097
202308 0.083 307.026 0.091
202311 0.083 307.051 0.091
202402 0.085 310.326 0.092
202405 0.084 314.069 0.090
202408 0.069 314.796 0.073
202411 0.069 315.493 0.073
202502 0.072 319.082 0.076
202505 0.074 321.465 0.077
202508 0.080 323.976 0.083
202511 0.077 324.122 0.080
202602 0.083 326.785 0.085
202605 0.081 335.123 0.081

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.

What does a Cyclically Adjusted PB Ratio of 2.52 mean?
UniCap Investment And FinanceKC (KUW:UNICAP) has a Cyclically Adjusted PB Ratio of 2.52 as of Aug. 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 UniCap Investment And FinanceKC and its competitors. This is 177% above median its historical median of 0.91. Over the past decade, UniCap Investment And FinanceKC's Cyclically Adjusted PB Ratio has ranged from 0.38 to 3.50. According to the industry distribution chart, UniCap Investment And FinanceKC ranks #60 out of 81 companies in the Diversified Financial Services industry, placing it in the top 74.1%.
Is UniCap Investment And FinanceKC's Cyclically Adjusted PB Ratio too high?
UniCap Investment And FinanceKC's current Cyclically Adjusted PB Ratio of 2.52 is 177% above median its 10-year median of 0.91. Over the past 10 years, this metric has ranged from a low of 0.38 to a high of 3.50. The Diversified Financial Services industry median Cyclically Adjusted PB Ratio is 1.25. UniCap Investment And FinanceKC's value of 2.52 is 101.6% above this industry median. Based on the distribution chart, UniCap Investment And FinanceKC ranks #60 out of 81 companies in the Diversified Financial Services industry, which is below the industry midpoint. Overall, UniCap Investment And FinanceKC has a GF Score™ of 26/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does UniCap Investment And FinanceKC's Cyclically Adjusted PB Ratio compare to FRHC and VOYA?
According to the Diversified Financial Services industry distribution chart, UniCap Investment And FinanceKC ranks #60 out of 81 companies for Cyclically Adjusted PB Ratio. This places UniCap Investment And FinanceKC in the lower half of its industry. The industry median Cyclically Adjusted PB Ratio is 1.25. UniCap Investment And FinanceKC's value of 2.52 is 101.6% above this benchmark. Historically, UniCap Investment And FinanceKC's own Cyclically Adjusted PB Ratio has ranged from 0.38 to 3.50 over the past decade. While the company's 10-year median is 0.91 vs. the industry median of 1.25, UniCap Investment And FinanceKC 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 a Diversified Financial Services company?
The median Cyclically Adjusted PB Ratio among Diversified Financial Services companies is 1.25, based on 81 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. UniCap Investment And FinanceKC's current Cyclically Adjusted PB Ratio of 2.52 is 101.6% 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 UniCap Investment And FinanceKC and its competitors. For the Diversified Financial Services industry, the median Cyclically Adjusted PB Ratio is 1.25 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. UniCap Investment And FinanceKC's current Cyclically Adjusted PB Ratio is 2.52, which is 177% above median its own 10-year median of 0.91. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is UniCap Investment And FinanceKC stock overvalued right now?
Based on GuruFocus' analysis, UniCap Investment And FinanceKC (KUW:UNICAP) is currently considered Fairly Valued. The stock's GF Value™ is KWD0.28, compared to a current price of KWD0.28 — trading 1.1% below its estimated fair value. The current Cyclically Adjusted PB Ratio is 2.52, which is 177% above median its 10-year median of 0.91 and 101.6% above the Diversified Financial Services industry median of 1.25. UniCap Investment And FinanceKC's overall GF Score™ is 26/100 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 UniCap Investment And FinanceKC (KUW:UNICAP), the current Cyclically Adjusted PB Ratio is 2.52 as of Aug. 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.

Is UniCap Investment And FinanceKC (KUW:UNICAP) Overvalued in 2026?

Based on GuruFocus' analysis, UniCap Investment And FinanceKC stock appears to be undervalued. The current stock price of KWD0.28 is trading 1.1% below its estimated GF Value™ of KWD0.28. GuruFocus considers UniCap Investment And FinanceKC to be Fairly Valued.

Key valuation signals for KUW:UNICAP:

  • Cyclically Adjusted PB Ratio: 2.52 (177% above median its 10-year median of 0.91)
  • GF Value™: KWD0.28 vs. price of KWD0.28 (1.1% below fair value)
  • GF Score™: 26/100 with 5 warning signs
  • Industry Position: 101.6% above the Diversified Financial Services median (#60 of 81)

No single metric tells the full story. See the KUW:UNICAP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


UniCap Investment And FinanceKC Business Description

Address Omar Bin Al-Khattab Street, Kuwait Business Tower (KBT) - 10th Floor, P.O. Box 2290, Sharq, Murgab - Block 3, Kuwait, KWT, 13021
UniCap Investment And Finance SAKC is an investment holding company. The company's operating segments include Financing; Investment; Real estate and Education. It derives maximum revenue from the Education segment. The Education segment includes operating and managing schools. Its Financing segment provides a range of commercial and personal loans to customers. The Real estate segment includes trading, development, and management of properties owned by the group. Its Investment segment includes managing direct investments and investments in subsidiaries and associates.
26GF Score

Get the complete analysis for KUW:UNICAP

Cyclically Adjusted PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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