Yolo (WAR:YOL) Cyclically Adjusted PB Ratio: 0.08 (As of Aug. 01, 2026)

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Director of Data and Quant Analytics at GuruFocus
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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.

WAR:YOL Yolo SA WAR:YOL
4 GF Score
Price zł0.33
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What is Yolo Cyclically Adjusted PB Ratio?

Yolo WAR:YOL 4 Cyclically Adjusted PB Ratio is 0.08 as of Aug. 01, 2026. GuruFocus rates WAR:YOL with a GF Score™ of 4/100.

As of today (2026-08-01), Yolo's current share price is zł0.3345. Yolo's Cyclically Adjusted Book per Share for the quarter that ended in Sep. 2022 was zł4.18. Yolo's Cyclically Adjusted PB Ratio for today is 0.08.

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

WAR:YOL's Cyclically Adjusted PB Ratio is not ranked *
in the Credit Services industry.
Industry Median: 0.94
* 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.

Yolo's adjusted book value per share data for the three months ended in Sep. 2022 was zł-3.047. 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 zł4.18 for the trailing ten years ended in Sep. 2022.

Shiller PE for Stocks: The True Measure of Stock Valuation


Yolo  (WAR:YOL) 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.


Yolo Cyclically Adjusted PB Ratio Related Terms


Yolo Cyclically Adjusted PB Ratio Historical Data

* Premium members only.

The historical data trend for Yolo'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.

Yolo Cyclically Adjusted PB Ratio Chart

Yolo Annual Data
Trend Dec11 Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20
Cyclically Adjusted PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00

Yolo Quarterly Data
Sep17 Dec17 Mar18 Jun18 Sep18 Dec18 Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Mar22 Jun22 Sep22
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 0.25 0.27 0.13 0.09 0.12

WAR:YOL vs V, MA, AXP: Cyclically Adjusted PB Ratio Comparison

For the Credit Services subindustry, Yolo'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.


Yolo Cyclically Adjusted PB Ratio vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Yolo's Cyclically Adjusted PB Ratio distribution charts can be found below:

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


WAR:YOL
4GF Score
Yolo SA WAR:YOL
Cyclically Adjusted PB Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Yolo 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.

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

Cyclically Adjusted PB Ratio=Share Price/ Cyclically Adjusted Book per Share
=0.3345/4.18
=0.08

* 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.

Yolo's Cyclically Adjusted Book per Share for the quarter that ended in Sep. 2022 is calculated as:

For example, Yolo's adjusted Book Value per Share data for the three months ended in Sep. 2022 was:

Adj_Book=Book Value per Share/CPI of Sep. 2022 (Change)*Current CPI (Sep. 2022)
=-3.047/135.5311*135.5311
=-3.047

Current CPI (Sep. 2022) = 135.5311.

Yolo Quarterly Data

Book Value per Share CPI Adj_Book
201209 0.000 99.715 0.000
201212 5.463 100.285 7.383
201303 5.501 100.529 7.416
201306 5.555 100.855 7.465
201309 5.741 100.936 7.709
201312 5.726 101.018 7.682
201403 5.731 101.262 7.671
201406 5.692 101.180 7.624
201409 5.701 100.611 7.680
201412 5.699 100.122 7.714
201503 5.727 100.041 7.759
201506 5.740 100.448 7.745
201509 5.817 99.634 7.913
201512 5.913 99.471 8.057
201603 7.993 98.983 10.944
201606 8.056 99.552 10.967
201609 11.798 99.064 16.141
201612 7.981 100.366 10.777
201703 5.146 101.018 6.904
201706 2.355 101.180 3.155
201709 2.173 101.343 2.906
201712 2.959 102.564 3.910
201803 1.162 102.564 1.535
201806 0.893 103.378 1.171
201809 0.842 103.378 1.104
201812 0.549 103.785 0.717
201903 0.561 104.274 0.729
201906 0.349 105.983 0.446
201909 0.117 105.983 0.150
201912 -0.023 107.123 -0.029
202003 -0.069 109.076 -0.086
202006 -0.145 109.402 -0.180
202009 -0.253 109.320 -0.314
202012 -0.395 109.565 -0.489
202103 -0.265 112.658 -0.319
202106 -0.361 113.960 -0.429
202109 -0.423 115.588 -0.496
202203 -0.047 125.031 -0.051
202206 -3.021 131.705 -3.109
202209 -3.047 135.531 -3.047

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 0.08 mean?
Yolo (WAR:YOL) has a Cyclically Adjusted PB Ratio of 0.08 as of Aug. 01, 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 Yolo and its competitors.
Is Yolo's Cyclically Adjusted PB Ratio too high?
Yolo's current Cyclically Adjusted PB Ratio is 0.08. The Credit Services industry median Cyclically Adjusted PB Ratio is 0.94. Yolo's value of 0.08 is 91.5% below this industry median. Overall, Yolo has a GF Score™ of 4/100, reflecting its overall financial health beyond just this single metric.
How does Yolo's Cyclically Adjusted PB Ratio compare to V and MA?
Yolo's Cyclically Adjusted PB Ratio of 0.08 can be compared against companies in the Credit Services industry. The industry median Cyclically Adjusted PB Ratio is 0.94. Yolo's value of 0.08 is 91.5% 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 0.94, based on 391 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. Yolo's current Cyclically Adjusted PB Ratio of 0.08 is 91.5% 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 Yolo and its competitors. For the Credit Services industry, the median Cyclically Adjusted PB Ratio is 0.94 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Yolo's current Cyclically Adjusted PB Ratio is 0.08. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Yolo stock overvalued right now?
Yolo (WAR:YOL) has a current Cyclically Adjusted PB Ratio of 0.08. The current Cyclically Adjusted PB Ratio is 0.08 and 91.5% below the Credit Services industry median of 0.94. Yolo's overall GF Score™ is 4/100. 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 Yolo (WAR:YOL), the current Cyclically Adjusted PB Ratio is 0.08 as of Aug. 01, 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.

Yolo Business Description

Address Uilca Twarda 18, Warsaw, POL, 00-105
Yolo SA offers debt trading solutions in Poland. The company is engaged in the purchase and recovery of debts from various sectors basing their activity on mass sales of products and services.
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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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