Bancontander Argentina (XMAD:XBRSB) Cyclically Adjusted PB Ratio: 0.13 (As of Aug. 11, 2026) — 95% Below Median

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XMAD:XBRSB Banco Santander Argentina SA XMAD:XBRSB
16 GF Score
Price €0.25
GF Value €0.26
! 4 Warning Signs
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What is Bancontander Argentina Cyclically Adjusted PB Ratio?

Bancontander Argentina XMAD:XBRSB 16 Cyclically Adjusted PB Ratio is 0.13 as of Aug. 11, 2026, which is 95% below its 10-year median of 2.46. GuruFocus rates XMAD:XBRSB with a GF Score™ of 16/100 and a GF Value™ of €0.26. The stock has 4 warning signs investors should review.

As of today (2026-08-11), Bancontander Argentina's current share price is €0.248. Bancontander Argentina's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was €1.92. Bancontander Argentina's Cyclically Adjusted PB Ratio for today is 0.13.

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

XMAD:XBRSB' s Cyclically Adjusted PB Ratio Range Over the Past 10 Years
Min: 0.13   Med: 2.46   Max: 11.34
Current: 0.13

During the past years, Bancontander Argentina's highest Cyclically Adjusted PB Ratio was 11.34. The lowest was 0.13. And the median was 2.46.

XMAD:XBRSB's Cyclically Adjusted PB Ratio is not ranked
in the Banks industry.
Industry Median: 1.28 vs XMAD:XBRSB: 0.13

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.

Bancontander Argentina's adjusted book value per share data for the three months ended in Mar. 2026 was €0.702. 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 €1.92 for the trailing ten years ended in Mar. 2026.

Shiller PE for Stocks: The True Measure of Stock Valuation


Bancontander Argentina  (XMAD:XBRSB) 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.


Bancontander Argentina Cyclically Adjusted PB Ratio Related Terms


Bancontander Argentina Cyclically Adjusted PB Ratio Historical Data

* Premium members only.

The historical data trend for Bancontander Argentina'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.

Bancontander Argentina Cyclically Adjusted PB Ratio Chart

Bancontander Argentina Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.41 1.29 0.59 0.26 0.15

Bancontander Argentina Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
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 0.22 0.19 0.17 0.15 0.13

XMAD:XBRSB vs USB, PNC, TFC: Cyclically Adjusted PB Ratio Comparison

For the Banks - Regional subindustry, Bancontander Argentina'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.


Bancontander Argentina Cyclically Adjusted PB Ratio vs Banks Industry

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

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


XMAD:XBRSB
16GF Score
Banco Santander Argentina SA XMAD:XBRSB
Cyclically Adjusted PB Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Bancontander Argentina 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.

Bancontander Argentina's Cyclically Adjusted PB Ratio for today is calculated as

Cyclically Adjusted PB Ratio=Share Price/ Cyclically Adjusted Book per Share
=0.248/1.92
=0.13

* 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.

Bancontander Argentina's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 is calculated as:

For example, Bancontander Argentina's adjusted Book Value per Share data for the three months ended in Mar. 2026 was:

Adj_Book=Book Value per Share/CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.702/330.2130*330.2130
=0.702

Current CPI (Mar. 2026) = 330.2130.

Bancontander Argentina Quarterly Data

Book Value per Share CPI Adj_Book
201606 0.271 241.018 0.371
201609 0.273 241.428 0.373
201612 0.306 241.432 0.419
201703 0.322 243.801 0.436
201706 0.302 244.955 0.407
201709 0.264 246.819 0.353
201712 0.304 246.524 0.407
201803 0.284 249.554 0.376
201806 0.259 251.989 0.339
201809 0.215 252.439 0.281
201812 0.519 251.233 0.682
201903 0.260 254.202 0.338
201906 0.252 256.143 0.325
201909 0.215 256.759 0.277
201912 0.353 256.974 0.454
202003 0.273 258.115 0.349
202006 0.281 257.797 0.360
202009 0.279 260.280 0.354
202012 0.418 260.474 0.530
202103 0.290 264.877 0.362
202106 0.299 271.696 0.363
202109 0.331 274.310 0.398
202112 0.733 278.802 0.868
202203 0.432 287.504 0.496
202206 0.504 296.311 0.562
202209 0.587 296.808 0.653
202212 1.702 296.797 1.894
202303 0.586 301.836 0.641
202306 0.548 305.109 0.593
202309 0.540 307.789 0.579
202312 1.875 306.746 2.018
202403 0.501 312.332 0.530
202406 0.633 314.175 0.665
202409 0.670 315.301 0.702
202412 0.968 315.605 1.013
202503 0.703 319.799 0.726
202506 0.662 322.561 0.678
202509 0.614 324.800 0.624
202512 0.643 324.054 0.655
202603 0.702 330.213 0.702

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 0.13 mean?
Bancontander Argentina (XMAD:XBRSB) has a Cyclically Adjusted PB Ratio of 0.13 as of Aug. 11, 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 Bancontander Argentina and its competitors. This is 95% below median its historical median of 2.46. Over the past decade, Bancontander Argentina's Cyclically Adjusted PB Ratio has ranged from 0.13 to 11.34.
Is Bancontander Argentina's Cyclically Adjusted PB Ratio too high?
Bancontander Argentina's current Cyclically Adjusted PB Ratio of 0.13 is 95% below median its 10-year median of 2.46. Over the past 10 years, this metric has ranged from a low of 0.13 to a high of 11.34. The Banks industry median Cyclically Adjusted PB Ratio is 1.28. Bancontander Argentina's value of 0.13 is 89.8% below this industry median. Overall, Bancontander Argentina has a GF Score™ of 16/100, reflecting its overall financial health beyond just this single metric.
How does Bancontander Argentina's Cyclically Adjusted PB Ratio compare to USB and PNC?
Bancontander Argentina's Cyclically Adjusted PB Ratio of 0.13 can be compared against companies in the Banks industry. The industry median Cyclically Adjusted PB Ratio is 1.28. Bancontander Argentina's value of 0.13 is 89.8% below this benchmark. Historically, Bancontander Argentina's own Cyclically Adjusted PB Ratio has ranged from 0.13 to 11.34 over the past decade. While the company's 10-year median is 2.46 vs. the industry median of 1.28, Bancontander Argentina 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 a Banks company?
The median Cyclically Adjusted PB Ratio among Banks companies is 1.28, based on 1,287 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. Bancontander Argentina's current Cyclically Adjusted PB Ratio of 0.13 is 89.8% 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 Bancontander Argentina and its competitors. For the Banks industry, the median Cyclically Adjusted PB Ratio is 1.28 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bancontander Argentina's current Cyclically Adjusted PB Ratio is 0.13, which is 95% below median its own 10-year median of 2.46. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bancontander Argentina stock overvalued right now?
Bancontander Argentina (XMAD:XBRSB) has a current Cyclically Adjusted PB Ratio of 0.13. The stock's GF Value™ is €0.26, compared to a current price of €0.25 — trading 4.6% below its estimated fair value. The current Cyclically Adjusted PB Ratio is 0.13, which is 95% below median its 10-year median of 2.46 and 89.8% below the Banks industry median of 1.28. Bancontander Argentina's overall GF Score™ is 16/100 with 4 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 Bancontander Argentina (XMAD:XBRSB), the current Cyclically Adjusted PB Ratio is 0.13 as of Aug. 11, 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 Bancontander Argentina (XMAD:XBRSB) Overvalued in 2026?

Based on GuruFocus' analysis, Bancontander Argentina stock appears to be undervalued. The current stock price of €0.25 is trading 4.6% below its estimated GF Value™ of €0.26.

Key valuation signals for XMAD:XBRSB:

  • Cyclically Adjusted PB Ratio: 0.13 (95% below median its 10-year median of 2.46)
  • GF Value™: €0.26 vs. price of €0.25 (4.6% below fair value)
  • GF Score™: 16/100 with 4 warning signs
  • Industry Position: 89.8% below the Banks median

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


Bancontander Argentina Business Description

Address Bartolome Mitre 480, Buenos Aires, ARG, 1036
Banco Santander Argentina SA Formerly Banco Santander Rio SA is a commercial bank and financial services company. It provides various banking products and services to individual and business customers, and small and medium-sized enterprises. The company offers savings and various accounts; and cards, insurance, and private banking services. It also provides collection and payment, foreign trade, investment, cash management and mutual fund, and transactional services. In addition, the company offers financing, treasury, investment banking, custody, and international and online banking services.
16GF Score

Get the complete analysis for XMAD:XBRSB

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

€0.25
Price
€0.26
GF Value