Northlink Fiscal and Capital Services (BOM:539110) Cyclically Adjusted PS Ratio: 3.16 (As of Aug. 27, 2026) — 17% Above Median

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BOM:539110 Northlink Fiscal and Capital Services Ltd BOM:539110
61 GF Score
Price ₹28.81
GF Value ₹25.99
Valuation Modestly Overvalued
! 3 Warning Signs
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What is Northlink Fiscal and Capital Services Cyclically Adjusted PS Ratio?

Northlink Fiscal and Capital Services BOM:539110 +4.99% 61 Cyclically Adjusted PS Ratio is 3.16 as of Aug. 27, 2026, which is 17% above its 10-year median of 2.71. GuruFocus rates BOM:539110 with a GF Score™ of 61/100 and a GF Value™ of ₹25.99 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 416 Credit Services companies, Northlink Fiscal and Capital Services ranks worse than 50.24% on this metric.

As of today (2026-08-27), Northlink Fiscal and Capital Services's current share price is ₹28.81. Northlink Fiscal and Capital Services's Cyclically Adjusted Revenue per Share for the quarter that ended in Jun. 2026 was ₹9.11. Northlink Fiscal and Capital Services's Cyclically Adjusted PS Ratio for today is 3.16.

The historical rank and industry rank for Northlink Fiscal and Capital Services's Cyclically Adjusted PS Ratio or its related term are showing as below:

BOM:539110' s Cyclically Adjusted PS Ratio Range Over the Past 10 Years
Min: 1.5   Med: 2.71   Max: 6.43
Current: 3.16

During the past years, Northlink Fiscal and Capital Services's highest Cyclically Adjusted PS Ratio was 6.43. The lowest was 1.50. And the median was 2.71.

BOM:539110's Cyclically Adjusted PS Ratio is ranked worse than
50.24% of 416 companies
in the Credit Services industry
Industry Median: 2.995 vs BOM:539110: 3.16

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.

Northlink Fiscal and Capital Services's adjusted revenue per share data for the three months ended in Jun. 2026 was ₹0.311. 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 ₹9.11 for the trailing ten years ended in Jun. 2026.

Shiller PE for Stocks: The True Measure of Stock Valuation


Northlink Fiscal and Capital Services  (BOM:539110) 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.


Northlink Fiscal and Capital Services Cyclically Adjusted PS Ratio Related Terms


Northlink Fiscal and Capital Services Cyclically Adjusted PS Ratio Historical Data

* Premium members only.

The historical data trend for Northlink Fiscal and Capital Services'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.

Northlink Fiscal and Capital Services Cyclically Adjusted PS Ratio Chart

Northlink Fiscal and Capital Services Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Cyclically Adjusted PS Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 2.36 2.91 1.86

Northlink Fiscal and Capital Services 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 2.75 3.61 1.58 1.86 2.43

BOM:539110 vs V, MA, AXP: Cyclically Adjusted PS Ratio Comparison

For the Credit Services subindustry, Northlink Fiscal and Capital Services'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.


Northlink Fiscal and Capital Services Cyclically Adjusted PS Ratio vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Northlink Fiscal and Capital Services's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where Northlink Fiscal and Capital Services's Cyclically Adjusted PS Ratio falls into.


BOM:539110
61GF Score
Northlink Fiscal and Capital Services Ltd BOM:539110
Cyclically Adjusted PS Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Northlink Fiscal and Capital Services 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.

Northlink Fiscal and Capital Services's Cyclically Adjusted PS Ratio for today is calculated as

Cyclically Adjusted PS Ratio=Share Price/ Cyclically Adjusted Revenue per Share
=28.81/9.11
=3.16

* 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.

Northlink Fiscal and Capital Services's Cyclically Adjusted Revenue per Share for the quarter that ended in Jun. 2026 is calculated as:

For example, Northlink Fiscal and Capital Services'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)
=0.311/167.3573*167.3573
=0.311

Current CPI (Jun. 2026) = 167.3573.

Northlink Fiscal and Capital Services Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201609 1.979 105.961 3.126
201612 3.291 105.196 5.236
201703 3.443 105.196 5.478
201706 3.794 107.109 5.928
201709 1.865 109.021 2.863
201712 1.931 109.404 2.954
201803 1.256 109.786 1.915
201806 1.306 111.317 1.963
201809 1.567 115.142 2.278
201812 3.870 115.142 5.625
201903 9.995 118.202 14.151
201906 5.926 120.880 8.205
201909 5.907 123.175 8.026
201912 4.347 126.235 5.763
202003 4.427 124.705 5.941
202006 2.345 127.000 3.090
202009 0.281 130.118 0.361
202012 0.195 130.889 0.249
202103 0.333 131.771 0.423
202106 0.320 134.084 0.399
202109 0.276 135.847 0.340
202112 0.157 138.161 0.190
202203 0.410 138.822 0.494
202206 0.209 142.347 0.246
202209 0.273 144.661 0.316
202212 0.242 145.763 0.278
202303 0.235 146.865 0.268
202306 0.338 150.280 0.376
202309 0.285 151.492 0.315
202312 0.883 152.924 0.966
202403 0.361 153.035 0.395
202406 0.355 155.789 0.381
202409 0.226 157.882 0.240
202412 0.403 158.323 0.426
202503 0.228 157.552 0.242
202506 0.286 159.755 0.300
202509 0.164 162.289 0.169
202512 0.074 163.281 0.076
202603 0.770 164.272 0.784
202606 0.311 167.357 0.311

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 3.16 mean?
Northlink Fiscal and Capital Services (BOM:539110) has a Cyclically Adjusted PS Ratio of 3.16 as of Aug. 27, 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 Northlink Fiscal and Capital Services and its competitors. This is 17% above median its historical median of 2.71. Over the past decade, Northlink Fiscal and Capital Services' Cyclically Adjusted PS Ratio has ranged from 1.50 to 6.43. According to the industry distribution chart, Northlink Fiscal and Capital Services ranks #209 out of 416 companies in the Credit Services industry, placing it in the top 50.2%.
Is Northlink Fiscal and Capital Services' Cyclically Adjusted PS Ratio too high?
Northlink Fiscal and Capital Services' current Cyclically Adjusted PS Ratio of 3.16 is 17% above median its 10-year median of 2.71. Over the past 10 years, this metric has ranged from a low of 1.50 to a high of 6.43. The Credit Services industry median Cyclically Adjusted PS Ratio is 3.00. Northlink Fiscal and Capital Services' value of 3.16 is 5.5% above this industry median. Based on the distribution chart, Northlink Fiscal and Capital Services ranks #209 out of 416 companies in the Credit Services industry, which is below the industry midpoint. Overall, Northlink Fiscal and Capital Services has a GF Score™ of 61/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Northlink Fiscal and Capital Services' Cyclically Adjusted PS Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Northlink Fiscal and Capital Services ranks #209 out of 416 companies for Cyclically Adjusted PS Ratio. This places Northlink Fiscal and Capital Services in the lower half of its industry. The industry median Cyclically Adjusted PS Ratio is 3.00. Northlink Fiscal and Capital Services' value of 3.16 is 5.5% above this benchmark. Historically, Northlink Fiscal and Capital Services' own Cyclically Adjusted PS Ratio has ranged from 1.50 to 6.43 over the past decade. While the company's 10-year median is 2.71 vs. the industry median of 3.00, Northlink Fiscal and Capital Services 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 3.00, based on 416 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. Northlink Fiscal and Capital Services's current Cyclically Adjusted PS Ratio of 3.16 is 5.5% 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 Northlink Fiscal and Capital Services and its competitors. For the Credit Services industry, the median Cyclically Adjusted PS Ratio is 3.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Northlink Fiscal and Capital Services's current Cyclically Adjusted PS Ratio is 3.16, which is 17% above median its own 10-year median of 2.71. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Northlink Fiscal and Capital Services stock overvalued right now?
Based on GuruFocus' analysis, Northlink Fiscal and Capital Services (BOM:539110) is currently considered Modestly Overvalued. The stock's GF Value™ is ₹25.99, compared to a current price of ₹28.81 — trading 10.9% above its estimated fair value. The current Cyclically Adjusted PS Ratio is 3.16, which is 17% above median its 10-year median of 2.71 and 5.5% above the Credit Services industry median of 3.00. Northlink Fiscal and Capital Services' overall GF Score™ is 61/100 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 PS Ratio calculated?
Cyclically Adjusted PS Ratio is calculated from a company's financial statements. For Northlink Fiscal and Capital Services (BOM:539110), the current Cyclically Adjusted PS Ratio is 3.16 as of Aug. 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 Northlink Fiscal and Capital Services (BOM:539110) Overvalued in 2026?

Based on GuruFocus' analysis, Northlink Fiscal and Capital Services stock appears to be overvalued. The current stock price of ₹28.81 is trading 10.9% above its estimated GF Value™ of ₹25.99. GuruFocus considers Northlink Fiscal and Capital Services to be Modestly Overvalued.

Key valuation signals for BOM:539110:

  • Cyclically Adjusted PS Ratio: 3.16 (17% above median its 10-year median of 2.71)
  • GF Value™: ₹25.99 vs. price of ₹28.81 (10.9% above fair value)
  • GF Score™: 61/100 with 3 warning signs
  • Industry Position: 5.5% above the Credit Services median (#209 of 416)

No single metric tells the full story. See the BOM:539110 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Northlink Fiscal and Capital Services Business Description

Address 86, Mall Road, Civil Lines, Ludhiana, PB, IND, 141001
Northlink Fiscal and Capital Services Ltd is a Non-Banking Financial Company and is engaged in lending loans. The company operates in a single segment engaged in the business of financing.
61GF Score

Get the complete analysis for BOM:539110

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

₹28.81
Price
₹25.99
GF Value