Repco Home Finance (NSE:REPCOHOME) Cyclically Adjusted PB Ratio: (As of Aug. 13, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

NSE:REPCOHOME Repco Home Finance Ltd NSE:REPCOHOME
79 GF Score
Price ₹367.20
GF Value ₹449.81
Valuation Modestly Undervalued
! 5 Warning Signs
View Full Analysis

What is Repco Home Finance Cyclically Adjusted PB Ratio?

Shiller PE for Stocks: The True Measure of Stock Valuation


Repco Home Finance  (NSE:REPCOHOME) 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.


Repco Home Finance Cyclically Adjusted PB Ratio Related Terms


Repco Home Finance Cyclically Adjusted PB Ratio Historical Data

* Premium members only.

The historical data trend for Repco Home Finance'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.

Repco Home Finance Cyclically Adjusted PB Ratio Chart

Repco Home Finance Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Cyclically Adjusted PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.83 0.66 1.27 0.93 0.84

Repco Home Finance Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
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 0.00 0.93 0.00 0.84 0.00

NSE:REPCOHOME vs RKT, FNMA, PFSI: Cyclically Adjusted PB Ratio Comparison

For the Mortgage Finance subindustry, Repco Home Finance'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.


Repco Home Finance Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Repco Home Finance's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Repco Home Finance's Cyclically Adjusted PB Ratio falls into.


NSE:REPCOHOME
79GF Score
Repco Home Finance Ltd NSE:REPCOHOME
Cyclically Adjusted PB Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Repco Home Finance 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.

Repco Home Finance's Cyclically Adjusted Book per Share for the quarter that ended in Jun. 2026 is calculated as:

For example, Repco Home Finance's adjusted Book Value per Share data for the three months ended in Jun. 2026 was:

Adj_Book=Book Value per Share/CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=0/166.1454*166.1454
=0.000

Current CPI (Jun. 2026) = 166.1454.

Repco Home Finance Quarterly Data

Book Value per Share CPI Adj_Book
201503 131.063 97.163 224.113
201506 0.000 99.841 0.000
201509 142.005 101.753 231.869
201512 0.000 102.901 0.000
201603 154.017 102.518 249.606
201703 181.066 105.196 285.974
201803 212.310 109.786 321.300
201806 0.000 111.317 0.000
201809 0.000 115.142 0.000
201812 0.000 115.142 0.000
201903 248.887 118.202 349.837
201906 0.000 120.880 0.000
201909 272.695 123.175 367.826
201912 0.000 126.235 0.000
202003 292.521 124.705 389.728
202006 0.000 127.000 0.000
202009 314.429 130.118 401.489
202012 0.000 130.889 0.000
202103 337.728 131.771 425.831
202106 0.000 134.084 0.000
202109 353.955 135.847 432.899
202112 0.000 138.161 0.000
202203 366.038 138.822 438.083
202206 0.000 142.347 0.000
202209 386.229 144.661 443.590
202212 0.000 145.763 0.000
202303 413.863 146.865 468.196
202306 0.000 150.280 0.000
202309 442.394 151.492 485.186
202312 0.000 152.924 0.000
202403 477.198 153.035 518.081
202406 0.000 155.789 0.000
202409 510.580 157.882 537.303
202412 0.000 158.323 0.000
202503 547.792 157.552 577.671
202506 0.000 159.755 0.000
202509 577.141 162.289 590.855
202512 0.000 163.281 0.000
202603 645.886 164.272 653.250
202606 0.000 166.145 0.000

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.

Is Repco Home Finance (NSE:REPCOHOME) Overvalued in 2026?

Based on GuruFocus' analysis, Repco Home Finance stock appears to be undervalued. The current stock price of ₹367.20 is trading 18.4% below its estimated GF Value™ of ₹449.81. GuruFocus considers Repco Home Finance to be Modestly Undervalued.

Key valuation signals for NSE:REPCOHOME:

  • Cyclically Adjusted PB Ratio:
  • GF Value™: ₹449.81 vs. price of ₹367.20 (18.4% below fair value)
  • GF Score™: 79/100 with 5 warning signs

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


Repco Home Finance Business Description

Other Exchanges 535322:India
Address Sardar Patel Road, Third Floor, Alexander Square, Old No. 34 and 35, New No. 2, Guindy, Chennai, TN, IND, 600032
Repco Home Finance Ltd is an India-based company that is engaged in housing finance. The company provides a broad range of individual home loans and loans against property. The company operates in two business segments: Individual Home Loans and Home Equity. The company operates business solely in India, with a retail network of branches and satellite centers expanding across several states.
79GF Score

Get the complete analysis for NSE:REPCOHOME

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

₹367.20
Price
₹449.81
GF Value