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Muninova HoldingsTSE:547A -0.68%67 Cyclically Adjusted PB Ratio is 1.24 as of Sep. 22, 2026, which is 3% below its 10-year median of 1.28. GuruFocus rates TSE:547A with a GF Score™ of 67/100 and a GF Value™ of 円534.01 (Modestly Undervalued). The stock has 6 warning signs investors should review. Among 259 Credit Services companies, Muninova Holdings ranks worse than 62.16% on this metric.
The historical rank and industry rank for Muninova Holdings's Cyclically Adjusted PB Ratio or its related term are showing as below:
TSE:547A'
s Cyclically Adjusted PB Ratio Range Over the Past 10 Years
Min: 0.85 Med: 1.28 Max: 1.75
Current: 1.21
During the past years, Muninova Holdings's highest Cyclically Adjusted PB Ratio was 1.75. The lowest was 0.85. And the median was 1.28.
TSE:547A's Cyclically Adjusted PB Ratio is ranked worse than 62.16% of 259
companies
in the Credit Services industry
Industry Median: 0.84
vs TSE:547A: 1.21
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.
Muninova Holdings's adjusted book value per share data for the three months ended in Jun. 2026 was 円510.798. 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 円354.24 for the trailing ten years ended in Jun. 2026.
Shiller PE for Stocks: The True Measure of Stock Valuation
Muninova Holdings (TSE:547A) 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.
Muninova Holdings Cyclically Adjusted PB Ratio Related Terms
Muninova Holdings Cyclically Adjusted PB Ratio Historical Data
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The historical data trend for Muninova Holdings'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.
Muninova Holdings Cyclically Adjusted PB Ratio Chart
TSE:547A vs V, MA, AXP: Cyclically Adjusted PB Ratio Comparison
For the Credit Services subindustry, Muninova Holdings'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.
Muninova Holdings Cyclically Adjusted PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Muninova Holdings's Cyclically Adjusted PB Ratio distribution charts can be found below:
* The bar in red indicates where Muninova Holdings's Cyclically Adjusted PB Ratio falls into.
Muninova Holdings 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.
Muninova Holdings's Cyclically Adjusted PB Ratio for today is calculated as
* 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 1.24 mean?
Muninova Holdings (TSE:547A) has a Cyclically Adjusted PB Ratio of 1.24 as of Sep. 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 Muninova Holdings and its competitors. This is near median its historical median of 1.28. Over the past decade, Muninova Holdings' Cyclically Adjusted PB Ratio has ranged from 0.85 to 1.75. According to the industry distribution chart, Muninova Holdings ranks #161 out of 259 companies in the Credit Services industry, placing it in the top 62.2%.
Is Muninova Holdings' Cyclically Adjusted PB Ratio too high?
Muninova Holdings' current Cyclically Adjusted PB Ratio of 1.24 is near median its 10-year median of 1.28. Over the past 10 years, this metric has ranged from a low of 0.85 to a high of 1.75. The Credit Services industry median Cyclically Adjusted PB Ratio is 0.84. Muninova Holdings' value of 1.24 is 47.6% above this industry median. Based on the distribution chart, Muninova Holdings ranks #161 out of 259 companies in the Credit Services industry, which is below the industry midpoint. Overall, Muninova Holdings has a GF Score™ of 67/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Muninova Holdings' Cyclically Adjusted PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Muninova Holdings ranks #161 out of 259 companies for Cyclically Adjusted PB Ratio. This places Muninova Holdings in the lower half of its industry. The industry median Cyclically Adjusted PB Ratio is 0.84. Muninova Holdings' value of 1.24 is 47.6% above this benchmark. Historically, Muninova Holdings' own Cyclically Adjusted PB Ratio has ranged from 0.85 to 1.75 over the past decade. While the company's 10-year median is 1.28 vs. the industry median of 0.84, Muninova Holdings 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 Credit Services company?
The median Cyclically Adjusted PB Ratio among Credit Services companies is 0.84, based on 259 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. Muninova Holdings's current Cyclically Adjusted PB Ratio of 1.24 is 47.6% 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 Muninova Holdings 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. Muninova Holdings's current Cyclically Adjusted PB Ratio is 1.24, which is near median its own 10-year median of 1.28. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Muninova Holdings stock overvalued right now?
Based on GuruFocus' analysis, Muninova Holdings (TSE:547A) is currently considered Modestly Undervalued. The stock's GF Value™ is 円534.01, compared to a current price of 円439.00 — trading 17.8% below its estimated fair value. The current Cyclically Adjusted PB Ratio is 1.24, which is near median its 10-year median of 1.28 and 47.6% above the Credit Services industry median of 0.84. Muninova Holdings' overall GF Score™ is 67/100 with 6 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 Muninova Holdings (TSE:547A), the current Cyclically Adjusted PB Ratio is 1.24 as of Sep. 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 Muninova Holdings (TSE:547A) Overvalued in 2026?
Based on GuruFocus' analysis, Muninova Holdings stock appears to be undervalued.
The current stock price of 円439.00 is trading 17.8% below its estimated GF Value™ of 円534.01.
GuruFocus considers Muninova Holdings to be Modestly Undervalued.
Key valuation signals for TSE:547A:
Cyclically Adjusted PB Ratio: 1.24 (near median its 10-year median of 1.28)
GF Value™: 円534.01 vs. price of 円439.00 (17.8% below fair value)
Industry Position: 47.6% above the Credit Services median (#161 of 259)
No single metric tells the full story. See the TSE:547A stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Muninova Holdings Inc is focused on the management and administration of group companies engaged in consumer finance, credit card, and related businesses.
67GF 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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