Conn's (STU:CN4) Cyclically Adjusted PB Ratio: 0.01 (As of Sep. 16, 2026)

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STU:CN4 Conn's Inc STU:CN4
16 GF Score
Price €0.14
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What is Conn's Cyclically Adjusted PB Ratio?

Conn's STU:CN4 16 Cyclically Adjusted PB Ratio is 0.01 as of Sep. 16, 2026. GuruFocus rates STU:CN4 with a GF Score™ of 16/100.

As of today (2026-09-16), Conn's's current share price is €0.14. Conn's's Cyclically Adjusted Book per Share for the quarter that ended in Jan. 2024 was €20.47. Conn's's Cyclically Adjusted PB Ratio for today is 0.01.

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

STU:CN4's Cyclically Adjusted PB Ratio is not ranked *
in the Retail - Cyclical industry.
Industry Median: 1.19
* Ranked among companies with meaningful Cyclically Adjusted PB Ratio only.

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.

Conn's's adjusted book value per share data for the three months ended in Jan. 2024 was €16.251. 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 €20.47 for the trailing ten years ended in Jan. 2024.

Shiller PE for Stocks: The True Measure of Stock Valuation


Conn's  (STU:CN4) 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.


Conn's Cyclically Adjusted PB Ratio Related Terms


Conn's Cyclically Adjusted PB Ratio Historical Data

* Premium members only.

The historical data trend for Conn's'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.

Conn's Cyclically Adjusted PB Ratio Chart

Conn's Annual Data
Trend Jan15 Jan16 Jan17 Jan18 Jan19 Jan20 Jan21 Jan22 Jan23 Jan24
Cyclically Adjusted PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.50 0.88 1.21 0.43 0.20

Conn's Quarterly Data
Apr19 Jul19 Oct19 Jan20 Apr20 Jul20 Oct20 Jan21 Apr21 Jul21 Oct21 Jan22 Apr22 Jul22 Oct22 Jan23 Apr23 Jul23 Oct23 Jan24
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 0.43 0.21 0.22 0.13 0.20

STU:CN4 vs ZKGCF, ORLY, AZO: Cyclically Adjusted PB Ratio Comparison

For the Specialty Retail subindustry, Conn's'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.


Conn's Cyclically Adjusted PB Ratio vs Retail - Cyclical Industry

For the Retail - Cyclical industry and Consumer Cyclical sector, Conn's's Cyclically Adjusted PB Ratio distribution charts can be found below:

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


STU:CN4
16GF Score
Conn's Inc STU:CN4
Cyclically Adjusted PB Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Conn's 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.

Conn's's Cyclically Adjusted PB Ratio for today is calculated as

Cyclically Adjusted PB Ratio=Share Price/ Cyclically Adjusted Book per Share
=0.14/20.47
=0.01

* 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.

Conn's's Cyclically Adjusted Book per Share for the quarter that ended in Jan. 2024 is calculated as:

For example, Conn's's adjusted Book Value per Share data for the three months ended in Jan. 2024 was:

Adj_Book=Book Value per Share/CPI of Jan. 2024 (Change)*Current CPI (Jan. 2024)
=16.251/308.4170*308.4170
=16.251

Current CPI (Jan. 2024) = 308.4170.

Conn's Quarterly Data

Book Value per Share CPI Adj_Book
201404 12.406 237.072 16.139
201407 13.012 238.250 16.844
201410 13.845 237.433 17.984
201501 15.482 233.707 20.431
201504 17.002 236.599 22.163
201507 17.147 238.654 22.159
201510 16.349 237.838 21.201
201601 16.185 236.916 21.070
201604 15.218 239.261 19.617
201607 15.281 240.628 19.586
201610 15.205 241.729 19.400
201701 15.720 242.839 19.965
201704 15.559 244.524 19.624
201707 14.593 244.786 18.386
201710 14.364 246.663 17.960
201801 13.957 247.867 17.366
201804 14.182 250.546 17.458
201807 15.385 252.006 18.829
201810 16.097 252.885 19.632
201901 17.085 251.712 20.934
201904 18.053 255.548 21.788
201907 18.853 256.571 22.663
201910 19.718 257.346 23.631
202001 19.731 257.971 23.589
202004 15.724 256.389 18.915
202007 15.488 259.101 18.436
202010 15.405 260.388 18.246
202101 15.651 261.582 18.453
202104 17.192 267.054 19.855
202107 18.435 273.003 20.826
202110 19.390 276.589 21.621
202201 20.185 281.148 22.143
202204 21.582 289.109 23.023
202207 23.057 296.276 24.002
202210 23.030 298.012 23.834
202301 19.448 299.170 20.049
202304 17.714 303.363 18.009
202307 16.352 305.691 16.498
202310 15.124 307.671 15.161
202401 16.251 308.417 16.251

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 0.01 mean?
Conn's (STU:CN4) has a Cyclically Adjusted PB Ratio of 0.01 as of Sep. 16, 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 Conn's and its competitors.
Is Conn's' Cyclically Adjusted PB Ratio too high?
Conn's' current Cyclically Adjusted PB Ratio is 0.01. The Retail - Cyclical industry median Cyclically Adjusted PB Ratio is 1.19. Conn's' value of 0.01 is 99.2% below this industry median. Overall, Conn's has a GF Score™ of 16/100, reflecting its overall financial health beyond just this single metric.
How does Conn's' Cyclically Adjusted PB Ratio compare to ZKGCF and ORLY?
Conn's' Cyclically Adjusted PB Ratio of 0.01 can be compared against companies in the Retail - Cyclical industry. The industry median Cyclically Adjusted PB Ratio is 1.19. Conn's' value of 0.01 is 99.2% 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 Retail - Cyclical company?
The median Cyclically Adjusted PB Ratio among Retail - Cyclical companies is 1.19, based on 759 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. Conn's's current Cyclically Adjusted PB Ratio of 0.01 is 99.2% 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 Conn's and its competitors. For the Retail - Cyclical industry, the median Cyclically Adjusted PB Ratio is 1.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Conn's's current Cyclically Adjusted PB Ratio is 0.01. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Conn's stock overvalued right now?
Conn's (STU:CN4) has a current Cyclically Adjusted PB Ratio of 0.01. The current Cyclically Adjusted PB Ratio is 0.01 and 99.2% below the Retail - Cyclical industry median of 1.19. Conn's' overall GF Score™ is 16/100. 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 Conn's (STU:CN4), the current Cyclically Adjusted PB Ratio is 0.01 as of Sep. 16, 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.

Conn's Business Description

Address 2445 Technology Forest Boulevard, Suite 800, The Woodlands, TX, USA, 77381
Conn's Inc is a us-based specialty retailer selling durable consumer goods and related services. The company operates through two segments: retail and credit. The retail segment sells furniture, home appliances, electronics, and more. The credit segment provides credit solutions for credit-constrained consumers. They focus on the us market and offer competitive prices, affordable payment options, and fast delivery and installation. Conn's Inc primarily focuses on the us market and generates its revenue from the retail segment. They offer customers the opportunity to compare prices across brands with confidence, along with affordable monthly payment options, fast delivery and installation in the majority of their markets, and product repair services.
16GF Score

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

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