Credit Immobilier et Hotelier (CAS:CIH) Cyclically Adjusted PS Ratio: (As of Sep. 22, 2026)

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CAS:CIH Credit Immobilier et Hotelier SA CAS:CIH
50 GF Score
Price MAD325.10
GF Value MAD380.85
Valuation Modestly Undervalued
! 2 Warning Signs
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What is Credit Immobilier et Hotelier Cyclically Adjusted PS Ratio?

Shiller PE for Stocks: The True Measure of Stock Valuation


Credit Immobilier et Hotelier  (CAS:CIH) 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.


Credit Immobilier et Hotelier Cyclically Adjusted PS Ratio Related Terms


Credit Immobilier et Hotelier Cyclically Adjusted PS Ratio Historical Data

* Premium members only.

The historical data trend for Credit Immobilier et Hotelier'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.

Credit Immobilier et Hotelier Cyclically Adjusted PS Ratio Chart

Credit Immobilier et Hotelier 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 3.19 2.55 2.71 2.82 2.79

Credit Immobilier et Hotelier Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
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 2.89 2.90 3.01 2.79 2.40

CAS:CIH vs USB, PNC: Cyclically Adjusted PS Ratio Comparison

For the Banks - Regional subindustry, Credit Immobilier et Hotelier'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.


Credit Immobilier et Hotelier Cyclically Adjusted PS Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Credit Immobilier et Hotelier's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where Credit Immobilier et Hotelier's Cyclically Adjusted PS Ratio falls into.


CAS:CIH
50GF Score
Credit Immobilier et Hotelier SA CAS:CIH
Cyclically Adjusted PS Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Credit Immobilier et Hotelier 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.

Credit Immobilier et Hotelier's Cyclically Adjusted Revenue per Share for the fiscal year that ended in Dec25 is calculated as:

For example, Credit Immobilier et Hotelier's adjusted Revenue per Share data for the fiscal year that ended in Dec25 was:

Adj_RevenuePerShare=Revenue per Share/CPI of Dec25 (Change)*Current CPI (Dec25)
=184.42/324.0540*324.0540
=184.420

Current CPI (Dec25) = 324.0540.

Credit Immobilier et Hotelier Annual Data

Revenue per Share CPI Adj_RevenuePerShare
201612 85.956 241.432 115.372
201712 93.789 246.524 123.285
201812 103.618 251.233 133.652
201912 115.610 256.974 145.789
202012 107.550 260.474 133.802
202112 123.602 278.802 143.664
202212 140.835 296.797 153.769
202312 164.827 306.746 174.127
202412 173.854 315.605 178.508
202512 184.420 324.054 184.420

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.

Is Credit Immobilier et Hotelier (CAS:CIH) Overvalued in 2026?

Based on GuruFocus' analysis, Credit Immobilier et Hotelier stock appears to be undervalued. The current stock price of MAD325.10 is trading 14.6% below its estimated GF Value™ of MAD380.85. GuruFocus considers Credit Immobilier et Hotelier to be Modestly Undervalued.

Key valuation signals for CAS:CIH:

  • Cyclically Adjusted PS Ratio:
  • GF Value™: MAD380.85 vs. price of MAD325.10 (14.6% below fair value)
  • GF Score™: 50/100 with 2 warning signs

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


Credit Immobilier et Hotelier Business Description

Address 187, Avenue Hassan II, Casablanca, MAR, 20019
Credit Immobilier et Hotelier SA provides various banking products and services. It accepts checking, currency, and current accounts; and offers funding solutions. The company also provides bank cards; saving and investment products; and bancassurance, payment, transfer, international operation, and specialized services.
50GF Score

Get the complete analysis for CAS:CIH

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

MAD325.10
Price
MAD380.85
GF Value