Bindar For Islamic Finance Co (AMM:BIND) Cyclically Adjusted PS Ratio: 2.39 (As of Aug. 06, 2026) — 30% Below Median

Author: Vera Yuan Vera Yuan
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Director of Data and Quant Analytics at GuruFocus
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.
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Charlie Tian
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.

AMM:BIND Bindar For Islamic Finance Co AMM:BIND
46 GF Score
Price JOD1.34
GF Value JOD1.72
Valuation Modestly Undervalued
! 5 Warning Signs
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What is Bindar For Islamic Finance Co Cyclically Adjusted PS Ratio?

Bindar For Islamic Finance Co AMM:BIND 46 Cyclically Adjusted PS Ratio is 2.39 as of Aug. 06, 2026, which is 30% below its 10-year median of 3.41. GuruFocus rates AMM:BIND with a GF Score™ of 46/100 and a GF Value™ of JOD1.72 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 423 Credit Services companies, Bindar For Islamic Finance Co ranks better than 53.66% on this metric.

As of today (2026-08-06), Bindar For Islamic Finance Co's current share price is JOD1.34. Bindar For Islamic Finance Co's Cyclically Adjusted Revenue per Share for the quarter that ended in Jun. 2026 was JOD0.56. Bindar For Islamic Finance Co's Cyclically Adjusted PS Ratio for today is 2.39.

The historical rank and industry rank for Bindar For Islamic Finance Co's Cyclically Adjusted PS Ratio or its related term are showing as below:

AMM:BIND' s Cyclically Adjusted PS Ratio Range Over the Past 10 Years
Min: 2.38   Med: 3.41   Max: 4.38
Current: 2.38

During the past years, Bindar For Islamic Finance Co's highest Cyclically Adjusted PS Ratio was 4.38. The lowest was 2.38. And the median was 3.41.

AMM:BIND's Cyclically Adjusted PS Ratio is ranked better than
53.66% of 423 companies
in the Credit Services industry
Industry Median: 3.17 vs AMM:BIND: 2.38

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 PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

Bindar For Islamic Finance Co's adjusted revenue per share data for the three months ended in Jun. 2026 was JOD0.193. Add all the adjusted revenue per share for the past 10 years together and divide 10 will get our Cyclically Adjusted Revenue per Share, which is JOD0.56 for the trailing ten years ended in Jun. 2026.

Shiller PE for Stocks: The True Measure of Stock Valuation


Bindar For Islamic Finance Co  (AMM:BIND) Cyclically Adjusted PS Ratio Explanation

Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue 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 PS Ratio should give similar results to regular PS Ratio.


Bindar For Islamic Finance Co Cyclically Adjusted PS Ratio Related Terms


Bindar For Islamic Finance Co Cyclically Adjusted PS Ratio Historical Data

* Premium members only.

The historical data trend for Bindar For Islamic Finance Co's Cyclically Adjusted PS 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.

Bindar For Islamic Finance Co Cyclically Adjusted PS Ratio Chart

Bindar For Islamic Finance Co Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted PS Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3.95 3.88 3.38 3.00 2.91

Bindar For Islamic Finance Co Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted PS 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 3.18 2.80 2.91 2.58 2.40

AMM:BIND vs V, MA, AXP: Cyclically Adjusted PS Ratio Comparison

For the Credit Services subindustry, Bindar For Islamic Finance Co's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS 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.


Bindar For Islamic Finance Co Cyclically Adjusted PS Ratio vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Bindar For Islamic Finance Co's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where Bindar For Islamic Finance Co's Cyclically Adjusted PS Ratio falls into.


AMM:BIND
46GF Score
Bindar For Islamic Finance Co AMM:BIND
Cyclically Adjusted PS Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Bindar For Islamic Finance Co Cyclically Adjusted PS Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS 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 PS Ratio.

Bindar For Islamic Finance Co's Cyclically Adjusted PS Ratio for today is calculated as

Cyclically Adjusted PS Ratio=Share Price/ Cyclically Adjusted Revenue per Share
=1.34/0.56
=2.39

* 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.

Bindar For Islamic Finance Co's Cyclically Adjusted Revenue per Share for the quarter that ended in Jun. 2026 is calculated as:

For example, Bindar For Islamic Finance Co's adjusted Revenue per Share data for the three months ended in Jun. 2026 was:

Adj_RevenuePerShare=Revenue per Share/CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=0.193/333.9520*333.9520
=0.193

Current CPI (Jun. 2026) = 333.9520.

Bindar For Islamic Finance Co Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201609 0.072 241.428 0.100
201612 0.072 241.432 0.100
201703 0.070 243.801 0.096
201706 0.072 244.955 0.098
201709 0.068 246.819 0.092
201712 0.073 246.524 0.099
201803 0.064 249.554 0.086
201806 0.072 251.989 0.095
201809 0.076 252.439 0.101
201812 0.072 251.233 0.096
201903 0.062 254.202 0.081
201906 0.063 256.143 0.082
201909 0.071 256.759 0.092
201912 0.082 256.974 0.107
202003 0.082 258.115 0.106
202006 0.073 257.797 0.095
202009 0.092 260.280 0.118
202012 0.101 260.474 0.129
202103 0.095 264.877 0.120
202106 0.097 271.696 0.119
202109 0.108 274.310 0.131
202112 0.115 278.802 0.138
202203 0.121 287.504 0.141
202206 0.134 296.311 0.151
202209 0.158 296.808 0.178
202212 0.161 296.797 0.181
202303 0.120 301.836 0.133
202306 0.133 305.109 0.146
202309 0.168 307.789 0.182
202312 0.182 306.746 0.198
202403 0.180 312.332 0.192
202406 0.195 314.175 0.207
202409 0.187 315.301 0.198
202412 0.186 315.605 0.197
202503 0.176 319.799 0.184
202506 0.196 322.561 0.203
202509 0.212 324.800 0.218
202512 0.220 324.054 0.227
202603 0.217 330.213 0.219
202606 0.193 333.952 0.193

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue 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 PS Ratio of 2.39 mean?
Bindar For Islamic Finance Co (AMM:BIND) has a Cyclically Adjusted PS Ratio of 2.39 as of Aug. 06, 2026. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on Bindar For Islamic Finance Co and its competitors. This is 30% below median its historical median of 3.41. Over the past decade, Bindar For Islamic Finance Co's Cyclically Adjusted PS Ratio has ranged from 2.38 to 4.38. According to the industry distribution chart, Bindar For Islamic Finance Co ranks #196 out of 423 companies in the Credit Services industry, placing it in the top 46.3%.
Is Bindar For Islamic Finance Co's Cyclically Adjusted PS Ratio too high?
Bindar For Islamic Finance Co's current Cyclically Adjusted PS Ratio of 2.39 is 30% below median its 10-year median of 3.41. Over the past 10 years, this metric has ranged from a low of 2.38 to a high of 4.38. The Credit Services industry median Cyclically Adjusted PS Ratio is 3.17. Bindar For Islamic Finance Co's value of 2.39 is 24.6% below this industry median. Based on the distribution chart, Bindar For Islamic Finance Co ranks #196 out of 423 companies in the Credit Services industry, which is above the industry midpoint. Overall, Bindar For Islamic Finance Co has a GF Score™ of 46/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Bindar For Islamic Finance Co's Cyclically Adjusted PS Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Bindar For Islamic Finance Co ranks #196 out of 423 companies for Cyclically Adjusted PS Ratio. This puts Bindar For Islamic Finance Co in the upper half of its industry. The industry median Cyclically Adjusted PS Ratio is 3.17. Bindar For Islamic Finance Co's value of 2.39 is 24.6% below this benchmark. Historically, Bindar For Islamic Finance Co's own Cyclically Adjusted PS Ratio has ranged from 2.38 to 4.38 over the past decade. While the company's 10-year median is 3.41 vs. the industry median of 3.17, Bindar For Islamic Finance Co 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 PS Ratio for a Credit Services company?
The median Cyclically Adjusted PS Ratio among Credit Services companies is 3.17, based on 423 companies in the industry. Companies in the top quartile (top 25%) have a Cyclically Adjusted PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cyclically Adjusted PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bindar For Islamic Finance Co's current Cyclically Adjusted PS Ratio of 2.39 is 24.6% 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 PS Ratio mean?
A high Cyclically Adjusted PS Ratio can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on Bindar For Islamic Finance Co and its competitors. For the Credit Services industry, the median Cyclically Adjusted PS Ratio is 3.17 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bindar For Islamic Finance Co's current Cyclically Adjusted PS Ratio is 2.39, which is 30% below median its own 10-year median of 3.41. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bindar For Islamic Finance Co stock overvalued right now?
Based on GuruFocus' analysis, Bindar For Islamic Finance Co (AMM:BIND) is currently considered Modestly Undervalued. The stock's GF Value™ is JOD1.72, compared to a current price of JOD1.34 — trading 22.1% below its estimated fair value. The current Cyclically Adjusted PS Ratio is 2.39, which is 30% below median its 10-year median of 3.41 and 24.6% below the Credit Services industry median of 3.17. Bindar For Islamic Finance Co's overall GF Score™ is 46/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted PS Ratio calculated?
Cyclically Adjusted PS Ratio is calculated from a company's financial statements. For Bindar For Islamic Finance Co (AMM:BIND), the current Cyclically Adjusted PS Ratio is 2.39 as of Aug. 06, 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 Bindar For Islamic Finance Co (AMM:BIND) Overvalued in 2026?

Based on GuruFocus' analysis, Bindar For Islamic Finance Co stock appears to be undervalued. The current stock price of JOD1.34 is trading 22.1% below its estimated GF Value™ of JOD1.72. GuruFocus considers Bindar For Islamic Finance Co to be Modestly Undervalued.

Key valuation signals for AMM:BIND:

  • Cyclically Adjusted PS Ratio: 2.39 (30% below median its 10-year median of 3.41)
  • GF Value™: JOD1.72 vs. price of JOD1.34 (22.1% below fair value)
  • GF Score™: 46/100 with 5 warning signs
  • Industry Position: 24.6% below the Credit Services median (#196 of 423)

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


Bindar For Islamic Finance Co Business Description

Address King Abdullah 2 Street, P.O. Box 1921, Al-Ibrahimiya Complex - Building No. 246, Amman, JOR, 11821
Bindar For Islamic Finance Co is engaged in thw in the field of finance. Its products are Small and Medium Enterprises Facilities, Individual facilities, and Islamic products. The companies product includes Islamic finance.
46GF Score

Get the complete analysis for AMM:BIND

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

JOD1.34
Price
JOD1.72
GF Value