Financeira Alfa - Credito Financiamento e Investimentos (BSP:CRIV3) Cyclically Adjusted PS Ratio: 0.60 (As of Aug. 16, 2026)

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BSP:CRIV3 Financeira Alfa SA - Credito Financiamento e Investimentos BSP:CRIV3
4 GF Score
Price R$6.98
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What is Financeira Alfa - Credito Financiamento e Investimentos Cyclically Adjusted PS Ratio?

Financeira Alfa - Credito Financiamento e Investimentos BSP:CRIV3 4 Cyclically Adjusted PS Ratio is 0.60 as of Aug. 16, 2026. GuruFocus rates BSP:CRIV3 with a GF Score™ of 4/100.

As of today (2026-08-16), Financeira Alfa - Credito Financiamento e Investimentos's current share price is R$6.98. Financeira Alfa - Credito Financiamento e Investimentos's Cyclically Adjusted Revenue per Share for the quarter that ended in Dec. 2023 was R$11.56. Financeira Alfa - Credito Financiamento e Investimentos's Cyclically Adjusted PS Ratio for today is 0.60.

The historical rank and industry rank for Financeira Alfa - Credito Financiamento e Investimentos's Cyclically Adjusted PS Ratio or its related term are showing as below:

BSP:CRIV3's Cyclically Adjusted PS Ratio is not ranked *
in the Diversified Financial Services industry.
Industry Median: 2.705
* Ranked among companies with meaningful Cyclically Adjusted PS Ratio only.

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.

Financeira Alfa - Credito Financiamento e Investimentos's adjusted revenue per share data for the three months ended in Dec. 2023 was R$5.381. 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 R$11.56 for the trailing ten years ended in Dec. 2023.

Shiller PE for Stocks: The True Measure of Stock Valuation


Financeira Alfa - Credito Financiamento e Investimentos  (BSP:CRIV3) 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.


Financeira Alfa - Credito Financiamento e Investimentos Cyclically Adjusted PS Ratio Related Terms


Financeira Alfa - Credito Financiamento e Investimentos Cyclically Adjusted PS Ratio Historical Data

* Premium members only.

The historical data trend for Financeira Alfa - Credito Financiamento e Investimentos'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.

Financeira Alfa - Credito Financiamento e Investimentos Cyclically Adjusted PS Ratio Chart

Financeira Alfa - Credito Financiamento e Investimentos Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Cyclically Adjusted PS Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.93 0.75 0.58 0.55 0.50

Financeira Alfa - Credito Financiamento e Investimentos Quarterly Data
Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23
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 0.55 0.51 0.51 0.55 0.50

BSP:CRIV3 vs VOYA: Cyclically Adjusted PS Ratio Comparison

For the Financial Conglomerates subindustry, Financeira Alfa - Credito Financiamento e Investimentos'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.


Financeira Alfa - Credito Financiamento e Investimentos Cyclically Adjusted PS Ratio vs Diversified Financial Services Industry

For the Diversified Financial Services industry and Financial Services sector, Financeira Alfa - Credito Financiamento e Investimentos's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where Financeira Alfa - Credito Financiamento e Investimentos's Cyclically Adjusted PS Ratio falls into.


BSP:CRIV3
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Financeira Alfa SA - Credito Financiamento e Investimentos BSP:CRIV3
Cyclically Adjusted PS Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Financeira Alfa - Credito Financiamento e Investimentos 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.

Financeira Alfa - Credito Financiamento e Investimentos's Cyclically Adjusted PS Ratio for today is calculated as

Cyclically Adjusted PS Ratio=Share Price/ Cyclically Adjusted Revenue per Share
=6.98/11.56
=0.60

* 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.

Financeira Alfa - Credito Financiamento e Investimentos's Cyclically Adjusted Revenue per Share for the quarter that ended in Dec. 2023 is calculated as:

For example, Financeira Alfa - Credito Financiamento e Investimentos's adjusted Revenue per Share data for the three months ended in Dec. 2023 was:

Adj_RevenuePerShare=Revenue per Share/CPI of Dec. 2023 (Change)*Current CPI (Dec. 2023)
=5.381/157.1481*157.1481
=5.381

Current CPI (Dec. 2023) = 157.1481.

Financeira Alfa - Credito Financiamento e Investimentos Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201403 0.842 90.447 1.463
201406 1.126 91.838 1.927
201409 0.863 92.602 1.465
201412 0.417 94.194 0.696
201503 0.751 97.799 1.207
201506 0.777 100.006 1.221
201509 0.834 101.392 1.293
201512 4.428 104.247 6.675
201603 0.823 106.979 1.209
201606 2.390 108.851 3.450
201609 0.804 109.986 1.149
201612 7.039 110.802 9.983
201703 2.310 111.869 3.245
201706 1.458 112.115 2.044
201709 2.325 112.777 3.240
201712 1.510 114.068 2.080
201803 1.989 114.868 2.721
201806 0.859 117.038 1.153
201809 1.652 117.881 2.202
201812 3.018 118.340 4.008
201903 1.972 120.124 2.580
201906 2.867 120.977 3.724
201909 2.207 121.292 2.859
201912 1.919 123.436 2.443
202003 1.902 124.092 2.409
202006 1.176 123.557 1.496
202009 1.277 125.095 1.604
202012 2.106 129.012 2.565
202103 0.571 131.660 0.682
202106 1.934 133.871 2.270
202109 1.447 137.913 1.649
202112 2.800 141.992 3.099
202203 2.942 146.537 3.155
202206 3.015 149.784 3.163
202209 4.003 147.800 4.256
202212 4.304 150.207 4.503
202303 5.024 153.352 5.148
202306 5.031 154.519 5.117
202309 4.964 155.464 5.018
202312 5.381 157.148 5.381

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 0.60 mean?
Financeira Alfa - Credito Financiamento e Investimentos (BSP:CRIV3) has a Cyclically Adjusted PS Ratio of 0.60 as of Aug. 16, 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 Financeira Alfa - Credito Financiamento e Investimentos and its competitors.
Is Financeira Alfa - Credito Financiamento e Investimentos' Cyclically Adjusted PS Ratio too high?
Financeira Alfa - Credito Financiamento e Investimentos' current Cyclically Adjusted PS Ratio is 0.60. The Diversified Financial Services industry median Cyclically Adjusted PS Ratio is 2.71. Financeira Alfa - Credito Financiamento e Investimentos' value of 0.60 is 77.8% below this industry median. Overall, Financeira Alfa - Credito Financiamento e Investimentos has a GF Score™ of 4/100, reflecting its overall financial health beyond just this single metric.
How does Financeira Alfa - Credito Financiamento e Investimentos' Cyclically Adjusted PS Ratio compare to VOYA?
Financeira Alfa - Credito Financiamento e Investimentos' Cyclically Adjusted PS Ratio of 0.60 can be compared against companies in the Diversified Financial Services industry. The industry median Cyclically Adjusted PS Ratio is 2.71. Financeira Alfa - Credito Financiamento e Investimentos' value of 0.60 is 77.8% below this benchmark. 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 Diversified Financial Services company?
The median Cyclically Adjusted PS Ratio among Diversified Financial Services companies is 2.71, based on 70 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. Financeira Alfa - Credito Financiamento e Investimentos's current Cyclically Adjusted PS Ratio of 0.60 is 77.8% 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 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 Financeira Alfa - Credito Financiamento e Investimentos and its competitors. For the Diversified Financial Services industry, the median Cyclically Adjusted PS Ratio is 2.71 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Financeira Alfa - Credito Financiamento e Investimentos's current Cyclically Adjusted PS Ratio is 0.60. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Financeira Alfa - Credito Financiamento e Investimentos stock overvalued right now?
Financeira Alfa - Credito Financiamento e Investimentos (BSP:CRIV3) has a current Cyclically Adjusted PS Ratio of 0.60. The current Cyclically Adjusted PS Ratio is 0.60 and 77.8% below the Diversified Financial Services industry median of 2.71. Financeira Alfa - Credito Financiamento e Investimentos' overall GF Score™ is 4/100. 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 Financeira Alfa - Credito Financiamento e Investimentos (BSP:CRIV3), the current Cyclically Adjusted PS Ratio is 0.60 as of Aug. 16, 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.

Financeira Alfa - Credito Financiamento e Investimentos Business Description

Address Alameda Santos 466 - 4 Andar/parte, Sao Paulo, SP, BRA, 1418000
Financeira Alfa SA - Credito Financiamento e Investimentos is engaged in providing banking and financial services such as checking accounts, fundings, investment funds, insurance, pensions, and fixed income securities, among others.
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