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.
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.
Finbond GroupJSE:FGL -1.12%34 Cyclically Adjusted PS Ratio is 0.36 as of Jul. 15, 2026, which is 55% below its 10-year median of 0.80. GuruFocus rates JSE:FGL with a GF Score™ of 34/100 and a GF Value™ of R0.93 (Fairly Valued). The stock has 7 warning signs investors should review. Among 1,302 Banks companies, Finbond Group ranks better than 97.24% on this metric.
The historical rank and industry rank for Finbond Group's Cyclically Adjusted PS Ratio or its related term are showing as below:
JSE:FGL'
s Cyclically Adjusted PS Ratio Range Over the Past 10 Years
Min: 0.14 Med: 0.8 Max: 6.71
Current: 0.37
During the past 13 years, Finbond Group's highest Cyclically Adjusted PS Ratio was 6.71. The lowest was 0.14. And the median was 0.80.
JSE:FGL's Cyclically Adjusted PS Ratio is ranked better than 97.24% of 1302
companies
in the Banks industry
Industry Median: 3.34
vs JSE:FGL: 0.37
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.
Finbond Group's adjusted revenue per share data of for the fiscal year that ended in Feb26 was R2.309. 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 R2.42 for the trailing ten years ended in Feb26.
Shiller PE for Stocks: The True Measure of Stock Valuation
Finbond Group (JSE:FGL) 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.
Finbond Group Cyclically Adjusted PS Ratio Related Terms
Finbond Group Cyclically Adjusted PS Ratio Historical Data
* Premium members only.
The historical data trend for Finbond Group'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.
JSE:FGL vs RKT, FNMA, PFSI: Cyclically Adjusted PS Ratio Comparison
For the Mortgage Finance subindustry, Finbond Group'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.
Finbond Group Cyclically Adjusted PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Finbond Group's Cyclically Adjusted PS Ratio distribution charts can be found below:
* The bar in red indicates where Finbond Group's Cyclically Adjusted PS Ratio falls into.
Finbond Group 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.
Finbond Group'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 0.36 mean?
Finbond Group (JSE:FGL) has a Cyclically Adjusted PS Ratio of 0.36 as of Jul. 15, 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 Finbond Group and its competitors. This is 55% below median its historical median of 0.80. Over the past decade, Finbond Group's Cyclically Adjusted PS Ratio has ranged from 0.14 to 6.71. According to the industry distribution chart, Finbond Group ranks #36 out of 1302 companies in the Banks industry, placing it in the top 2.8%.
Is Finbond Group's Cyclically Adjusted PS Ratio too high?
Finbond Group's current Cyclically Adjusted PS Ratio of 0.36 is 55% below median its 10-year median of 0.80. Over the past 10 years, this metric has ranged from a low of 0.14 to a high of 6.71. The Banks industry median Cyclically Adjusted PS Ratio is 3.34. Finbond Group's value of 0.36 is 89.2% below this industry median. Based on the distribution chart, Finbond Group ranks #36 out of 1302 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Finbond Group has a GF Score™ of 34/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Finbond Group's Cyclically Adjusted PS Ratio compare to RKT and FNMA?
According to the Banks industry distribution chart, Finbond Group ranks #36 out of 1302 companies for Cyclically Adjusted PS Ratio. This places Finbond Group in the top 3% of its industry — outperforming the majority of peers. The industry median Cyclically Adjusted PS Ratio is 3.34. Finbond Group's value of 0.36 is 89.2% below this benchmark. Historically, Finbond Group's own Cyclically Adjusted PS Ratio has ranged from 0.14 to 6.71 over the past decade. While the company's 10-year median is 0.80 vs. the industry median of 3.34, Finbond Group 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 Banks company?
The median Cyclically Adjusted PS Ratio among Banks companies is 3.34, based on 1,302 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. Finbond Group's current Cyclically Adjusted PS Ratio of 0.36 is 89.2% 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 Finbond Group and its competitors. For the Banks industry, the median Cyclically Adjusted PS Ratio is 3.34 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Finbond Group's current Cyclically Adjusted PS Ratio is 0.36, which is 55% below median its own 10-year median of 0.80. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Finbond Group stock overvalued right now?
Based on GuruFocus' analysis, Finbond Group (JSE:FGL) is currently considered Fairly Valued. The stock's GF Value™ is R0.93, compared to a current price of R0.88 — trading 5.4% below its estimated fair value. The current Cyclically Adjusted PS Ratio is 0.36, which is 55% below median its 10-year median of 0.80 and 89.2% below the Banks industry median of 3.34. Finbond Group's overall GF Score™ is 34/100 with 7 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 Finbond Group (JSE:FGL), the current Cyclically Adjusted PS Ratio is 0.36 as of Jul. 15, 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 Finbond Group (JSE:FGL) Overvalued in 2026?
Based on GuruFocus' analysis, Finbond Group stock appears to be undervalued.
The current stock price of R0.88 is trading 5.4% below its estimated GF Value™ of R0.93.
GuruFocus considers Finbond Group to be Fairly Valued.
Key valuation signals for JSE:FGL:
Cyclically Adjusted PS Ratio: 0.36 (55% below median its 10-year median of 0.80)
GF Value™: R0.93 vs. price of R0.88 (5.4% below fair value)
Industry Position: 89.2% below the Banks median (#36 of 1302)
No single metric tells the full story. See the JSE:FGL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Finbond Group Ltd is a financial services institution that is engaged in the design and delivery of value and solution-based savings, credit, and insurance solutions tailored to depositor and borrower requirements. The company's business segments are Deposit and Debt Finance Products, Lending, Property investment, and Transactional banking, and Others. It derives key revenue from the Lending segment. Company opertes in USA, South Africa, and Canada, with majority of revenue from USA.
34GF Score
Get the complete analysis for JSE:FGL
Cyclically Adjusted PS Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
JSE:FGL has been successfully added to your 
