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.
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.
Tune Protect Group BhdXKLS:5230 -1.85%57 Cyclically Adjusted PB Ratio is 0.31 as of Jul. 27, 2026, which is 33% below its 10-year median of 0.46. GuruFocus rates XKLS:5230 with a GF Score™ of 57/100 and a GF Value™ of RM0.38 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 418 Insurance companies, Tune Protect Group Bhd ranks better than 93.78% on this metric.
The historical rank and industry rank for Tune Protect Group Bhd's Cyclically Adjusted PB Ratio or its related term are showing as below:
XKLS:5230'
s Cyclically Adjusted PB Ratio Range Over the Past 10 Years
Min: 0.32 Med: 0.46 Max: 0.75
Current: 0.32
During the past years, Tune Protect Group Bhd's highest Cyclically Adjusted PB Ratio was 0.75. The lowest was 0.32. And the median was 0.46.
XKLS:5230's Cyclically Adjusted PB Ratio is ranked better than 93.78% of 418
companies
in the Insurance industry
Industry Median: 1.415
vs XKLS:5230: 0.32
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.
Tune Protect Group Bhd's adjusted book value per share data for the three months ended in Mar. 2026 was RM0.735. 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 RM0.85 for the trailing ten years ended in Mar. 2026.
Shiller PE for Stocks: The True Measure of Stock Valuation
Tune Protect Group Bhd (XKLS:5230) 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.
Tune Protect Group Bhd Cyclically Adjusted PB Ratio Related Terms
Tune Protect Group Bhd Cyclically Adjusted PB Ratio Historical Data
* Premium members only.
The historical data trend for Tune Protect Group Bhd'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.
Tune Protect Group Bhd Cyclically Adjusted PB Ratio Chart
XKLS:5230 vs BRK.A, AIG, HIG: Cyclically Adjusted PB Ratio Comparison
For the Insurance - Diversified subindustry, Tune Protect Group Bhd'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.
Tune Protect Group Bhd Cyclically Adjusted PB Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Tune Protect Group Bhd's Cyclically Adjusted PB Ratio distribution charts can be found below:
* The bar in red indicates where Tune Protect Group Bhd's Cyclically Adjusted PB Ratio falls into.
Tune Protect Group Bhd 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.
* 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 0.31 mean?
Tune Protect Group Bhd (XKLS:5230) has a Cyclically Adjusted PB Ratio of 0.31 as of Jul. 27, 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 Tune Protect Group Bhd and its competitors. This is 33% below median its historical median of 0.46. Over the past decade, Tune Protect Group Bhd's Cyclically Adjusted PB Ratio has ranged from 0.32 to 0.75. According to the industry distribution chart, Tune Protect Group Bhd ranks #26 out of 418 companies in the Insurance industry, placing it in the top 6.2%.
Is Tune Protect Group Bhd's Cyclically Adjusted PB Ratio too high?
Tune Protect Group Bhd's current Cyclically Adjusted PB Ratio of 0.31 is 33% below median its 10-year median of 0.46. Over the past 10 years, this metric has ranged from a low of 0.32 to a high of 0.75. The Insurance industry median Cyclically Adjusted PB Ratio is 1.42. Tune Protect Group Bhd's value of 0.31 is 78.1% below this industry median. Based on the distribution chart, Tune Protect Group Bhd ranks #26 out of 418 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Tune Protect Group Bhd has a GF Score™ of 57/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Tune Protect Group Bhd's Cyclically Adjusted PB Ratio compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Tune Protect Group Bhd ranks #26 out of 418 companies for Cyclically Adjusted PB Ratio. This places Tune Protect Group Bhd in the top 6% of its industry — outperforming the majority of peers. The industry median Cyclically Adjusted PB Ratio is 1.42. Tune Protect Group Bhd's value of 0.31 is 78.1% below this benchmark. Historically, Tune Protect Group Bhd's own Cyclically Adjusted PB Ratio has ranged from 0.32 to 0.75 over the past decade. While the company's 10-year median is 0.46 vs. the industry median of 1.42, Tune Protect Group Bhd has consistently been below 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 an Insurance company?
The median Cyclically Adjusted PB Ratio among Insurance companies is 1.42, based on 418 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. Tune Protect Group Bhd's current Cyclically Adjusted PB Ratio of 0.31 is 78.1% 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 Tune Protect Group Bhd and its competitors. For the Insurance industry, the median Cyclically Adjusted PB Ratio is 1.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tune Protect Group Bhd's current Cyclically Adjusted PB Ratio is 0.31, which is 33% below median its own 10-year median of 0.46. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Tune Protect Group Bhd stock overvalued right now?
Based on GuruFocus' analysis, Tune Protect Group Bhd (XKLS:5230) is currently considered Significantly Undervalued. The stock's GF Value™ is RM0.38, compared to a current price of RM0.27 — trading 30.3% below its estimated fair value. The current Cyclically Adjusted PB Ratio is 0.31, which is 33% below median its 10-year median of 0.46 and 78.1% below the Insurance industry median of 1.42. Tune Protect Group Bhd's overall GF Score™ is 57/100 with 3 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 Tune Protect Group Bhd (XKLS:5230), the current Cyclically Adjusted PB Ratio is 0.31 as of Jul. 27, 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 Tune Protect Group Bhd (XKLS:5230) Overvalued in 2026?
Based on GuruFocus' analysis, Tune Protect Group Bhd stock appears to be undervalued.
The current stock price of RM0.27 is trading 30.3% below its estimated GF Value™ of RM0.38.
GuruFocus considers Tune Protect Group Bhd to be Significantly Undervalued.
Key valuation signals for XKLS:5230:
Cyclically Adjusted PB Ratio: 0.31 (33% below median its 10-year median of 0.46)
GF Value™: RM0.38 vs. price of RM0.27 (30.3% below fair value)
Industry Position: 78.1% below the Insurance median (#26 of 418)
No single metric tells the full story. See the XKLS:5230 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Tune Protect Group Bhd is a Malaysian investment holding company that underwrites and reinsures non-life insurance products through its subsidiary companies. The group is organized into business segments as investment holding, and others, collective investment schemes, general reinsurance, general insurance business, and Life insurance business. The company has two general insurance businesses, Tune Protect Malaysia Berhad, as well as an associate company, Tune Protect Thailand. Both offer varieties of products while also underwriting travel businesses in their respective countries. The company generates the majority of its revenue from the General Insurance Business segment.
57GF Score
Get the complete analysis for XKLS:5230
Cyclically Adjusted PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XKLS:5230 has been successfully added to your 
