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Karnavati FinanceBOM:538928 -3.57%56 Cyclically Adjusted PS Ratio is 4.22 as of Sep. 05, 2026, which is 18% below its 10-year median of 5.14. GuruFocus rates BOM:538928 with a GF Score™ of 56/100 and a GF Value™ of ₹5.93 (Possible Value Trap). The stock has 8 warning signs investors should review. Among 413 Credit Services companies, Karnavati Finance ranks worse than 61.02% on this metric.
The historical rank and industry rank for Karnavati Finance's Cyclically Adjusted PS Ratio or its related term are showing as below:
BOM:538928'
s Cyclically Adjusted PS Ratio Range Over the Past 10 Years
Min: 4.03 Med: 5.14 Max: 7.92
Current: 4.18
During the past years, Karnavati Finance's highest Cyclically Adjusted PS Ratio was 7.92. The lowest was 4.03. And the median was 5.14.
BOM:538928's Cyclically Adjusted PS Ratio is ranked worse than 61.02% of 413
companies
in the Credit Services industry
Industry Median: 3.11
vs BOM:538928: 4.18
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.
Karnavati Finance's adjusted revenue per share data for the three months ended in Jun. 2026 was ₹0.184. 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 ₹0.32 for the trailing ten years ended in Jun. 2026.
Shiller PE for Stocks: The True Measure of Stock Valuation
Karnavati Finance (BOM:538928) 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.
Karnavati Finance Cyclically Adjusted PS Ratio Related Terms
Karnavati Finance Cyclically Adjusted PS Ratio Historical Data
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The historical data trend for Karnavati Finance'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.
Karnavati Finance Cyclically Adjusted PS Ratio Chart
BOM:538928 vs V, MA, AXP: Cyclically Adjusted PS Ratio Comparison
For the Credit Services subindustry, Karnavati Finance'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.
Karnavati Finance Cyclically Adjusted PS Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Karnavati Finance's Cyclically Adjusted PS Ratio distribution charts can be found below:
* The bar in red indicates where Karnavati Finance's Cyclically Adjusted PS Ratio falls into.
Karnavati Finance 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.
Karnavati Finance's Cyclically Adjusted PS 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 PS Ratio of 4.22 mean?
Karnavati Finance (BOM:538928) has a Cyclically Adjusted PS Ratio of 4.22 as of Sep. 05, 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 Karnavati Finance and its competitors. This is 18% below median its historical median of 5.14. Over the past decade, Karnavati Finance's Cyclically Adjusted PS Ratio has ranged from 4.03 to 7.92. According to the industry distribution chart, Karnavati Finance ranks #252 out of 413 companies in the Credit Services industry, placing it in the top 61%.
Is Karnavati Finance's Cyclically Adjusted PS Ratio too high?
Karnavati Finance's current Cyclically Adjusted PS Ratio of 4.22 is 18% below median its 10-year median of 5.14. Over the past 10 years, this metric has ranged from a low of 4.03 to a high of 7.92. The Credit Services industry median Cyclically Adjusted PS Ratio is 3.11. Karnavati Finance's value of 4.22 is 35.7% above this industry median. Based on the distribution chart, Karnavati Finance ranks #252 out of 413 companies in the Credit Services industry, which is below the industry midpoint. Overall, Karnavati Finance has a GF Score™ of 56/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Karnavati Finance's Cyclically Adjusted PS Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Karnavati Finance ranks #252 out of 413 companies for Cyclically Adjusted PS Ratio. This places Karnavati Finance in the lower half of its industry. The industry median Cyclically Adjusted PS Ratio is 3.11. Karnavati Finance's value of 4.22 is 35.7% above this benchmark. Historically, Karnavati Finance's own Cyclically Adjusted PS Ratio has ranged from 4.03 to 7.92 over the past decade. While the company's 10-year median is 5.14 vs. the industry median of 3.11, Karnavati Finance 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 PS Ratio for a Credit Services company?
The median Cyclically Adjusted PS Ratio among Credit Services companies is 3.11, based on 413 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. Karnavati Finance's current Cyclically Adjusted PS Ratio of 4.22 is 35.7% 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 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 Karnavati Finance and its competitors. For the Credit Services industry, the median Cyclically Adjusted PS Ratio is 3.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Karnavati Finance's current Cyclically Adjusted PS Ratio is 4.22, which is 18% below median its own 10-year median of 5.14. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Karnavati Finance stock overvalued right now?
Based on GuruFocus' analysis, Karnavati Finance (BOM:538928) is currently considered Possible Value Trap. The stock's GF Value™ is ₹5.93, compared to a current price of ₹1.35 — trading 77.2% below its estimated fair value. The current Cyclically Adjusted PS Ratio is 4.22, which is 18% below median its 10-year median of 5.14 and 35.7% above the Credit Services industry median of 3.11. Karnavati Finance's overall GF Score™ is 56/100 with 8 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 Karnavati Finance (BOM:538928), the current Cyclically Adjusted PS Ratio is 4.22 as of Sep. 05, 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 Karnavati Finance (BOM:538928) Overvalued in 2026?
Based on GuruFocus' analysis, Karnavati Finance stock appears to be undervalued.
The current stock price of ₹1.35 is trading 77.2% below its estimated GF Value™ of ₹5.93.
GuruFocus considers Karnavati Finance to be Possible Value Trap.
Key valuation signals for BOM:538928:
Cyclically Adjusted PS Ratio: 4.22 (18% below median its 10-year median of 5.14)
GF Value™: ₹5.93 vs. price of ₹1.35 (77.2% below fair value)
Industry Position: 35.7% above the Credit Services median (#252 of 413)
No single metric tells the full story. See the BOM:538928 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Karnavati Finance Ltd is a non-banking financial company. The company provides lending, financing, and wealth management solutions. It offers customized solutions in areas of personal and business loans, corporate finance, mortgages, capital market-based lending, project loans, structured finance, wealth management, digital lending, debt capital markets, and syndication. The company generates revenue in the form of Interest Income.
56GF Score
Get the complete analysis for BOM:538928
Cyclically Adjusted PS Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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